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 This month we have an exciting edition for you. Our In-Depth Community Review is Sun Lakes Country Club in Banning, California. We are also featuring 3 Spotlight Communities from the great Southwest.
The financial gurus at Abner, Hermann and Brock have provided us with a timely and insightful quarterly report weighing up the differences between automatic investing versus professional portfolio management.
Also exciting for us personally is our upcoming attendance of a conference entitled Live and Prosper Overseas which is being held on April 23-25, 2007 at the prestigious Palms Hotel and Casino in Las Vegas and organized by InternationalLiving.com. Can living overseas REALLY help you retire early, follow your passions AND slash your expenses by 50%? We don’t know, but we’re going there to find out -and we’ll report our findings to you in a special article of interest in next month’s edition of Active Living News.
Meanwhile, big news again on the home front! We’ve been continuing to grow our ActiveAdultLiving.com website to provide you with new and timely information to assist you in your quest for your perfect active lifestyle home and community. We have added 2 new sections, our Active Lifestyle Rentals directory and our Active Adult For Sale By Owner listings.
Thanks to those of you who shared your input and comments with us last month. Please help us grow our Active Living News e-Newsletter so as to serve you better. Take a look through, and let us know what you think! We’d really appreciate your input and comments. Click here to drop us a line.
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Thanks,
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SUN LAKES COUNTRY CLUB –
Resort Living in the Palm Springs Area
 Sun Lakes Country Club is a 24-hour guard gated community, and offers senior resort living with all the amenities that every 55+ active adult deserves. This community was built from 1987 to 2003 on 1.5 square miles and it comprises approximately 3300 homes, 3 club houses, 2 golf courses and many extras.
There are single family homes as well as condominiums available for those who wish to enjoy a low maintenance style of living.
Sun Lakes Country Club is located in the San Gorgonio Pass between Mt. San Gorgonio and Mt. San Jacinto, just 25 miles west of Palm Springs, 30 miles east of San Bernardino, and 75 miles east of Los Angeles. The Club is east of Highland Springs Avenue and south of Interstate Freeway I-10.
The climate is excellent year-round with more than 300 days of sunshine. Clean air and blue skies prevail most days with temperatures averaging between 50 and 97 degrees. Humidity averages 22% at noon and annual rainfall averages around 18 inches. The temperate is that of the Inland area at around 2400 foot elevation, and is approximately 15 degrees cooler than Palm Springs in the summer with cool nights and constant breezes.
Amenities:
* 3 Clubhouses
* 2 Outdoor Swimming Pools
* 8 Tennis Court Locations & 2 Paddle Tennis
* 18 Hole Championship Golf Course and Driving Ranges
* 18 Hole Executive Golf Course
* Bocce Ball Courts
* RV Storage Facilities
* Grand Ball Room
* 3 Exercise And Weight Rooms
* 1 Indoor Swimming Pool and spa
* Meeting and Card rooms
* Library
* Billiard Center
* Arts and Crafts
* Restaurant
* Cocktail Lounge
* Recreation Department
* Social Clubs
* Support/Volunteer Groups
Home Owner Association (HOA) dues are currently @ $152.00 per month. Condominiums require an additional $110.00 to $120.00 per month. It is for the maintenance of common areas and the club houses and other common facilities, operation of the Club, and basic cable TV services for all homes. There is also a one-time, non-transferable, initiation fee of $950.00 per lot collected on every escrow, for social membership to the golf courses. Since Mello-Roos was paid off, there is no additional property tax for the community facilities.
If you are looking to buy or sell a home or would just like to know some more information, feel free to call or Email me.
Jay Ahn, SRES, CHMS
Coldwell Banker Kivett-Teeters Associates
Coldwell Banker Kivett Teeters
1655 E 6th St • Beaumont, CA 92223
Cell Phone:(909)844-1505
Email: jai.ahn@coldwellbanker.com
Web Site: http://www.jayahn.com
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The Oasis
Menifee, CA
8 different floor plans, 1300-2450 sq. ft.
Price range $320,000-$550,000
Amenities: Beautiful 22,000 sq. ft. clubhouse, Golf course and lake views, Auditorium and kitchen, Pool and spa, Tennis courts, Billiard tables, Library & computer room, TV room, Crafts room, Ping pong and dart room, Horse shoes, Large assortment of clubs and activities
Click Here for more details
Sherwood Country Club
Thousand Oaks, CA
Luxury Estate and Townhomes
Homes Priced from: $1.275m
Amenities: Spread out over 1,900 acres of countryside. Private, 24-hour gate; 18-hole, Signature course designed by Jack Nicklaus, site of the annual Target World Challenge; The Tennis Club & Spa, a 22,000-sq.ft. Georgian-style clubhouse with 15 hard, clay or grass courts, two tournament croquet courts, fine dining, pro shop. Olympic-sized swimming pool & European Health Spa and social activities; 54,000-sq.ft. Georgian-style golf clubhouse with fine dining, social activities, locker rooms and golf shop
Click Here for more details
Sun City MacDonald Ranch
Henderson, NV
Home sizes range from under 1100 sq.ft. to approximately 2300 sq.ft. and are priced from $232,000 - $580,000.
Amenities: In addition to the 18-hole Billy Casper-Greg Nash signature golf course, residents will enjoy a wide array of amenities including a recreation center, restaurant, fitness center, and outdoor swimming pool, lighted tennis and bocce courts and hiking trails offering majestic views.
Click Here for more details
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In order to serve you better in our Active Living News e-Newsletter and on our ActiveAdultLiving.com website, we want to ask your opinion – and thus have started a new Survey Of The Month feature. To take our survey, simply click the appropriate box (or boxes) for each question. Thanks!
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"Program Trading is a Science"
Quarterly Investment Review and Outlook – April 2007
By Abner, Herrman & Brock Asset Management
Each year brings new unexpected events that test the strength of the U.S. economy. Events such as 9/11, the War in Iraq, hurricane Katrina, and the difficulties in the sub prime mortgage market have impacted the financial markets. As each of these events occurred they were met with a chorus of forecasters predicting each would derail the growth of the U.S. economy. The U.S. service economy is less cyclical, more stable and possesses strong underlying growth characteristics. Beyond this economic restructuring, the U.S. participates in the expansion of the global economy. These factors have been instrumental in maintaining above average growth for the U.S. Productivity gains have kept inflation at low levels which in turn has helped keep interest rates low. Low interest rates have enabled businesses to expand and consumers to continue purchasing durable and household goods.
Over the past several years, technology has provided more transparency and faster access to information which has created systems to enable securities transactions to be achieved more quickly. In the process the cost of transactions has been reduced. The combination of these factors has provided the ability to develop computer programs to trade securities on a short-term basis. The term for these activities is commonly referred to as “Program Trading”. Today, program trading accounts for approximately 30% of all the trades on the New York Stock Exchange. This is almost five times the amount of trades that were associated with these activities just ten years ago
Rather than investing for the short run only, we spend our time researching industries and companies to uncover value and monitor the investments on a regular basis. More and more high net worth individuals and small institutions have turned to us to create customized equity, balanced, and bond portfolios designed to maximize growth and income for the long haul.
 We are optimistic for the future long term growth of the U.S. and global economies and the stock and bond markets. We do believe that inflation will remain low as will interest rates, which will help increase economic growth. We believe large capitalization U.S. equities are attractively priced when compared to small and medium sized U.S. equities. As the small and medium sized U.S. equities and international securities have rebounded from their sharp decline of 2000 it has left the large capitalization U.S. equities, now offering the best risk/return opportunities.
As with all forms of investment, risk and return are closely linked. The higher the potential return the greater the risk and volatility. Nevertheless, investment grade stocks and bonds have provided higher risk adjusted rates of long term after tax returns then what the experience has been in small and medium capitalization equities.
Abner, Herrman & Brock Asset Management
Founded in 1981, Abner, Herrman & Brock Asset Management manages portfolios individually structured to assist each client in achieving their investment objectives. Stock portfolios are managed utilizing a Core Equity philosophy, investing in both large capitalization value and growth disciplines with an objective of long-term, after-tax appreciation and below market volatility. Portfolios are diversified across economic sectors, industries and companies. Bond portfolios are managed to provide a high rate of current income. Portfolios are invested in staggered maturities of U.S. Treasury, government agency and investment-grade corporate bonds and where appropriate, investment-grade municipal bonds. Portfolio managers are available to meet with clients upon request.
For a free portfolio evaluation, please visit their web site at www.ahbi.com or call them directly @ 201-484-2000 for a personal discussion on Investment Philosophy, Process and People.
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"Puerto Vallarta and Punta Mita, Gems of the Baja
by Mark Venegas
 With the ever-increasing cost of health care and retirement in the US, countless boomers and those nearing the age of retirement, have been looking South of the border to maximize the "Quality of Life" in their golden years. With thriving communities of American retirees already living in cities such as San Miguel de Allende, Acapulco and Puerto Vallarta, Mexico, the option of retiring into "affordable luxury" is often a topic in newspapers like the New York Times, Wall Street Journal and USA Today.
Although foreigners can own inland, the costal areas of Mexico are under protection, but the “Fedicomiso” is a law enacted where foreigners have their property held in a “trust” by a bank, the buyer being the beneficiary of that trust, and can buy, sell, renovate and exploit that property in any way they see fit, as if they actually owned the land.
Within Banderas Bays’ uniquely protective waters, Puerto Vallarta has always been a destination for a myriad of travelers. Once here, foreigners fall in love with the friendly people and lifestyles which are particularly unique to Mexico. Always a playground to the international jet set, and once the home to Richard Burton, Elizabeth Taylor; Puerto Vallarta has once again become the destination for second-home ownership to wise retirees looking for a lifestyle, above and beyond what most people only dream of.
Another benefit to choosing to retire in Puerto Vallarta and its environs is the cities close proximity to an international airport, and several world class hospitals in the area. Familiar American chain-stores such as Wal-Mart and Office Max, all add to city's reputation of being "First-World."
The process of purchasing property in Mexico was once fraught with the stigma of unscrupulous sellers deceiving less than knowledgeable foreign investors. With the establishment of the Fedicomiso, the fear of safely purchasing property has been laid to rest. The process of purchasing and maintaining your property in Mexico is much easier now for foreign investors, and thousands of buyers are going through the process each year.
 Mexico has become a haven for countless retirees who have chosen a low cost of living as the key benefit to reevaluating their retirement needs. The high resale value of property is also an added benefit, as well as the potential of income bearing properties in vacation areas such as the Puerto Vallarta, Punta Mita area. Venegas Realty has quickly become the first stop on savvy second-home buyer’s itinerary on their vacation itinerary.
Venegas World Star Realty, an agency dedicated to servicing an international clientele of investors, retirees and luxury second-home buyers in and around Puerto Vallarta, Mexico, is proud to represent Monte Verde Villas. Perched above Colonial Old Town Vallarta, Monte Verde Villas is a state of the art, ecologically conscious luxury development, nestled in the jungle just above the cobble-stoned streets of the charming city. Each unit with its own Infinity pool, Monte Verde Villas is the perfect self-contained luxury high-rise for the retiree who enjoys quiet evenings, as well as close access to the antique shops, restaurants, shopping and nightlife that has drawn tourists, artists and celebrities alike to this hip and vibrant area. www.monteverdevillas.com
Las Terrazas Golf Villas is another example of an ideal retirement option in the exclusive and spectacular Punta Mita region of Jalisco, Mexico. A short drive from the International Airport in Puerto Vallarta, Las Terrazas Golf Villas is the perfect escape from the city. Each villa is equipped with two Master Suites, each with its own elegant bathroom, and spectacular views of Banderas Bay. With a world class golf course, and the most complete concierge service in the region, Las Terrazas Golf Villas is ideal for active retiree. www.lasterazaspuntamita.com
Somewhere along the line, the client will choose to visit Puerto Vallarta. Venegas World Star Realty will set you up in one of the numerous properties that the company already manages for their clients who chose to open their properties up for daily, weekly or monthly rental. A representative will then take you on a tour that is best describes as breathtaking. The activation to this dream of owning this slice of paradise can only begins once you call them or visit their website.
Venegas World Star Realty www.venegasrealty.com (866) 580-1977
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San Diego, California
Mexico
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