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Join discussions on moving to and living in the USVI, ask questions, share info & tips!
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Retirees welcome?  

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Fishbait
(@Fishbait)
Estimable Member

Hi, and thanks to all the great people who post on here! My wife and I will be retiring in the next two years and thinking of a move to STX. We have a PMV scheduled for October 2017. We've been to other islands but never the USVI. The closest to there was Puerto Rico and St Martins a couple of years ago.

I read the moving stories and they seem to be almost all from younger, working people. I was hoping for some pertinent info for us older, non-working folks with savings to spend and a nice US house to sell.

My questions:
1. How do the older folks on here like the health care system? I did a little research and found Medicare supplemental insurance through AARP from UHC. Are insured people happy enough with their doctors?

2. Do the older folks on here find enough entertainment and activities to keep you happy? How about volunteer opportunities? Are there some worthy groups looking for unpaid help?

3. How's the fishing? !!!

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Posted : April 26, 2017 5:50 pm
Scubadoo
(@Scubadoo)
Noble Member

The general consensus is the local healthcare is OK but best to go to mainland for major surgery. Lots of previous discussion on this topic in the forum archives.
There seem to be a lot of snowbird retirees here as well as some full timers. There are plenty of volunteer opportunities. I think we had another recent discussion here on that topic. The lionfish hunting is too good. I have most of my fish encounters under water but I see lots of the above water kind happening, from shore or boat.

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Posted : April 27, 2017 1:32 am
speee1dy
(@speee1dy)
Islander

there are a lot of people who never go to the mainland or puerto rico for health care and get great health care

to find enough to do? i guess it depends on what you like to do

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Posted : April 27, 2017 10:44 am
Ca. Dreamers
(@Ca._Dreamers)
Reputable Member

We sold our farms and businesses in California and moved to STX 5 years ago.

We live on STX on a full time basis and would not change a thing.

We can travel all we want but have come to the conclusion that we can't wait to get back to STX near as much as we want to leave and visit other places.

We have excellent supplemental insurance to our Medicare so we enjoy the healthcare we have had here. PM for specifics.

You will find that there is more to do here than you really want to do as we have. We send lots of time swimming in the sea and maintaining our physical fitness and do far less dinning out than when we came here, even thought there are lots of great restaurants.

Fishing is actually boring for me as these fish are so easy to catch and I do not keep anything I catch.

Be sure you spend some time here as you can't experience St. Croix in one day from a cruise ship or for that matter a weeks vacation. Seek out like minded people and have some long visits before you make up your mind.

CD

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Posted : April 27, 2017 11:25 am
terry
(@terry)
Islander

We are Tweeners, spend our time between STX and AZ. There is not as much to do on STX as there is in AZ but we find we do more.
Little things like;
team Trivia two night a week
Wine tasting at Sea Side market once a month where you see at least 20 of your friends
Sunset Jazz in F-sted
Jazz in the Park at C-sted
Jump Ups
Scuba diving 2 to 3 times a week.
Sailing every couple of weeks
dinner or drinks with friends
Lunch on Fridays with the guys

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Posted : April 27, 2017 11:38 am
stxsailor
(@stxsailor)
Island Expert

STX is perfect for retirees, I am one. enough to do but not full of young spring break types. It is just perfect for us old folks (I'm in my 50's). Thing like terry said above. I've been to the hospital for a few minor surgeries and have no complaints. The emergency room is another thing. you wait forever.

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Posted : April 27, 2017 8:07 pm
Fishbait
(@Fishbait)
Estimable Member

Thank you all for the replies, they are very helpful! We are two years from retrement & moving and will be doing a lot of research.

How is house insurance? Is hurricane & flood insurance available?

Thanks again,
John

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Posted : April 27, 2017 10:40 pm
daveb722
(@daveb722)
Reputable Member

very expensive.. taxes cheap, but your homeowners will set you back some.

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Posted : April 27, 2017 10:48 pm
singlefin
(@singlefin)
Prominent Member

I haven't found standard Homeowners anymore expensive than in the states, but if you want Windstorm coverage (Hurricane insurance), that's expensive.
You can avoid that however, if you can build, or find, a home built to withstand such storms.

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Posted : April 28, 2017 12:42 am
Scubadoo
(@Scubadoo)
Noble Member

Basic home insurance fire, liability, etc isn't bad but due to our susceptibility windstorm, flood, and yes earthquake insurance is expensive but certainly available. Mine was like $2200 this yeer for the condo just for basic, windstorm and earthquake. That's just for the inside as HOA covers the building and did not get flood since I'm on upper floors.

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Posted : April 28, 2017 3:45 am
caribstx
(@caribstx)
Island Expert

I haven't found standard Homeowners anymore expensive than in the states, but if you want Windstorm coverage (Hurricane insurance), that's expensive.
You can avoid that however, if you can build, or find, a home built to withstand such storms.

Not if you have a mortgage.

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Posted : April 28, 2017 11:04 am
terry
(@terry)
Islander

Most of my friends who own with no mortgage don't carry insurance for hurricanes. That would save them around $10K per year.

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Posted : April 28, 2017 1:16 pm
caribstx
(@caribstx)
Island Expert

They must have million dollar homes to have a premium like that!

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Posted : April 28, 2017 1:48 pm
singlefin
(@singlefin)
Prominent Member

Yes, I believe the windstorm insurance is stil aroundl 2-3% of the replacement value of the structure per year.
And yes, it is required with a morgage.

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Posted : April 28, 2017 3:14 pm
Fishbait
(@Fishbait)
Estimable Member

Ouch, 2-3 % yearly is very high, but.... Hurricanes don't rip up land, so the replacement value of the house is generally structure & contents only + maybe cistern & a shed. So let's say 100k for a modest house. 3 % would be $3,000.
Like anything I guess, one's perception of how expensive it is depends on where you are coming from. We're not rich people...
We are coming from NY state so our land + school taxes are $5000 per year. Some people pay much more than that here. The state income tax is around 7% of adjusted income. So we would save on those and pay more for insurance. .

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Posted : April 28, 2017 11:00 pm
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