Huge 'Membership Only'
Retirement Village Potential
Community Co-operative members will each have at least one 125 acre private allotment (depending on the
number of 'Portions' they purchase) to do with as they choose (within Co-op guidelines and local statutory
regulations) and, for those who have an interest, the development of small permanent, or semi-permanent,
sub-communities of one type or another could be individually very profitable undertakings, whilst at the
same time increasing the overall Co-op and member support mechanisms' revenue.
The list of potential themes is long but the following two examples will provide
an understanding of how it would be possible to 'eat the cake and keep it too'
It is no secret that the developed, and developing, world at large is aging rapidly and as such a disproportionate percentage of the populations of many nations is either already retired or approaching retirement. Also well recognised by many is the fact that 'Retirement Funds', be they corporate or government entities, are falling victim to the shenanigans of 'Marauding Banksters' and financial meltdown within the industry, resulting in huge numbers of retirees being left without the nest eggs they were counting on having to rely on.
Another very high risk area of investment at the moment for retirees (or anyone else for that matter) is US Treasure Bonds. When the US$ loses its 'Global Reserve Currency' status, as is widely anticipated in the not too distant future, 'T-Bills' will lose their lustre over night and leave millions who believed them to be the safest bet tearfully counting their loses.
So, let's take a look at a couple of alternatives:
By the time the average person reaches retirement age their homes are usually free from encumbrance, leaving the owners essentially without accommodation concerns. For those who are not so fortunate the burden often becomes even greater as their retirement fund (if they still have one) struggles to meet the mortgage demands while survival costs in most of the developed world increase perpetually. Then there are those who are forced to rent their nest, and that creates an even greater insecurity as the return on their savings decreases while living costs and rentals increase. Not to mention: 'there is always the risk of the landlord serving an eviction notice', which will necessitate an unwelcome and dislocating search for a suitable replacement.
In almost all situations, however, where the residence is located in a developed area, there will be other significant concerns to factor in: As unemployment increases so does crime. As Oil prices rise so does the price of all commodities. As interest rates increase so, generally, do repayments and rentals. As governments implement their dictatorial 'austerity measures' so then do all manner of essential services become negatively affected or non-existent. And, as happened very recently in Japan, a devastating accident could render entire regions uninhabitable and reduce property values to zero in an instant.... The list goes on...
In such cases many would welcome a chance to permanently abandon the pressures of modern day survival in the prevailing troubled times and relocate to a Utopia where the living is easy; where everyone has lots of space to call their own and where it would be as simple as walking to the nearby beach with a fishing line or a bucket in hand to find - within ten minutesa - a meal fit for a king and as FREE as the air they breathe. A wonderland where unlimited energy and 'non-fluoridated' water is also free, and almost all other sustenance requirements are produced locally, are cheap and inexhaustible. For those with a gardening fetish a delightfully relaxing and enjoyable way to supplement the reserves with a little additional cash would be a dream come true... And the list goes on here too...
For the Co-op member who provides such an opportunity the rewards would be very attractive, and if approached judiciously the entire cost of a small 'Membership Only Retirement Village', as well as the cost of initial 'Portion' acquisition and the construction of the member's own villa could be recovered before the development is completed.
Let's take a look at the figures:
|
A simple 30 x self contained Chalet retirement village Development |
NZ$ in |
NZ$ Out |
|
Total cost to the member for the 'Portion' purchase |
(say) -600,000 | |
|
Total cost for the member's villa |
(say) -600,000 | |
|
Total cost of 30 x two bedroom self contained chalets @ (say) $300,000 each |
-9,000,000 | |
|
Overall Total |
-10,200,000 | |
|
The membership term for Retirees is (say) 20 years |
10,200,000 |
Now, even though it is paid in a lump sum in advance if we were to consider that membership fee on the basis a weekly rental we would have a figure of $327.00. (£159.00.. US$260.00.. €180.00) and that is fixed for 20 years.
Imagine for a moment what the weekly rental for a similar chalet would be in Europe, the USA or Australia for example in 20 years from now.
The bottom line is that the Co-op member has recovered entirely the cost of acquisition and development of the 'Portion', and if desired could include other facilities, such as a small bistro, to exploit the situation. Furthermore such a facility could be filled to capacity in short order by employing the Offshore Marketing Strategy, and at no cost to the Co-op member.
Those 'Retirement Village Members' who retain ownership of their homes in their own countries could potentially rent them and over time recover all of their own outlays also. At the village end pensions and retirement benefits would easily cover the daily costs for most, and those who chose to do so could also earn sufficient - part time or full time - income onsite (there will be no shortage of opportunities to be taken advantage of) to keep them comfortably sustained. A bonus would be that the onsite Medical Centre would be only minutes away if ever needed. Furthermore, the renewable membership fees after 20 years of residence could be in five year increments, keeping it manageable for the retiree whilst at the same time giving the Co-op member a regular additional income.
A Similar Development Could be Directed at a More
Revolving Membership and with More Regular Returns
There is an endless list of 'special interest groups' that could be targeted for a Private Retreat facility that is established along similar lines to the Retirement Village option, but with the period of membership set at say 5 years. In this case membership fees would be paid up in full in advance and would allow the members to have a exclusive right to occupy a two bedroom 'retreat village' cottage for three months every year. This option would not necessarily need to have a three month winter break, as will the resort development, and as such each cottage would have 4 allocations each year to offer. Once again the Offshore Marketing Strategy would be available at no cost to the Co-op member owner to keep the retreat membership filled.
Example: quarter #1 might be set aside for only those (perhaps in a group) who seek an annual period of solitude, meditation and spiritual healing. Quarter #2 a health rejuvenation and detoxification group. Quarter #3 reserved exclusively for weight watchers - under supervision - where they are able to eat as much as they wish of the abundant fresh seafood, vegetables and fruit and still lose a significant amount of that unwanted fat. Quarter #4 amateur astronomers come to take advantage of the ideal atmospheric conditions and to contemplate the birth of the universe..... But of course the possibilities don't end there..
Whatever the retreat theme might be the end result, as far as the Co-op member owner is concerned, remains the same, and the overall Co-op community revenue benefits too.
Let's take a look at what might be possible:
Membership could be organised as 'independent' (one person for one cottage), or 'duel' where two people share a cottage, or a 'trio' where three people share a cottage and 'group' where the entire village (say 30 cottages) is reserved for up to say 120 people (4 per cottage).
On average there would be 2.5 members for each quarter for 30 cottages
5 year Membership total = 2.5 members x 4 quarters x 30 cottages = 300 members.
Annual number of visitors = 300
|
A 30 cottage retreat with community hall and bistro included |
NZ$ in |
NZ$ Out |
|
Total cost to the member for the 'Portion' purchase |
(say) -600,000 | |
|
Total cost for the member's villa |
(say) -600,000 | |
|
Total cost of 30 x two bedroom self contained chalets @ (say) $300,000 each |
-9,000,000 | |
|
Community hall and Bistro |
-500,000 | |
|
Overall Total |
-10,700,000 | |
|
The membership term is 5 years including residence for three months per year |
10,710,000 |
|
|
Considered on a daily basis that translates to: |
||
|
Gross return for community hall and bistro @ $100.00 per day per person @ economy rates, excluding hard beverage. |
|
Can be fixed at 40% maximum |
|
Net (not considering tax) for 5 years |
8,110,000 |
Once again (if the Offshore Marketing Strategy is employed) the entire cost of acquisition and development has been recovered within the first year of initiation, and there is an ongoing daily return for hospitality services once completed.
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