Saturday, December 31, 2011

Organic Agriculture May Be Outgrowing Its Ideals

December 30, 2011
TODOS SANTOS, Mexico — Clamshell containers on supermarket shelves in the United States may depict verdant fields, tangles of vines and ruby red tomatoes. But at this time of year, the tomatoes, peppers and basil certified as organic by the Agriculture Department often hail from the Mexican desert, and are nurtured with intensive irrigation.

Growers here on the Baja Peninsula, the epicenter of Mexico’s thriving new organic export sector, describe their toil amid the cactuses as “planting the beach.”

Del Cabo Cooperative, a supplier here for Trader Joe’s and Fairway, is sending more than seven and a half tons of tomatoes and basil every day to the United States by truck and plane to sate the American demand for organic produce year-round.

But even as more Americans buy foods with the organic label, the products are increasingly removed from the traditional organic ideal: produce that is not only free of chemicals and pesticides but also grown locally on small farms in a way that protects the environment.
The explosive growth in the commercial cultivation of organic tomatoes here, for example, is putting stress on the water table. In some areas, wells have run dry this year, meaning that small subsistence farmers cannot grow crops. And the organic tomatoes end up in an energy-intensive global distribution chain that takes them as far as New York and Dubai, United Arab Emirates, producing significant emissions that contribute to global warming.


From now until spring, farms from Mexico to Chile to Argentina that grow organic food for the United States market are enjoying their busiest season.



“People are now buying from a global commodity market, and they have to be skeptical even when the label says ‘organic’ — that doesn’t tell people all they need to know,” said Frederick L. Kirschenmann, a distinguished fellow at the Leopold Center for Sustainable Agriculture at Iowa State University. He said some large farms that have qualified as organic employed environmentally damaging practices, like planting only one crop, which is bad for soil health, or overtaxing local freshwater supplies.
Many growers and even environmental groups in Mexico defend the export-driven organic farming, even as they acknowledge that more than a third of the aquifers in southern Baja are categorized as overexploited by the Mexican water authority. With sophisticated irrigation systems and shade houses, they say, farmers are becoming more skilled at conserving water. They are focusing new farms in “microclimates” near underexploited aquifers, such as in the shadow of a mountain, said Fernando Frías, a water specialist with the environmental group Pronatura Noroeste.

They also point out that the organic business has transformed what was once a poor area of subsistence farms and where even the low-paying jobs in the tourist hotels and restaurants in nearby Cabo San Lucas have become scarcer during the recession.


To carry the Agriculture Department’s organic label on their produce, farms in the United States and abroad must comply with a long list of standards that prohibit the use of synthetic fertilizers, hormones and pesticides, for example. But the checklist makes few specific demands for what would broadly be called environmental sustainability, even though the 1990 law that created the standards was intended to promote ecological balance and biodiversity as well as soil and water health.



Experts agree that in general organic farms tend to be less damaging to the environment than conventional farms. In the past, however, “organic agriculture used to be sustainable agriculture, but now that is not always the case,” said Michael Bomford, a scientist at Kentucky State University who specializes in sustainable agriculture. He added that intense organic agriculture had also put stress on aquifers in California.

Some organic standard setters are beginning to refine their criteria so that organic products better match their natural ideals. Krav, a major Swedish organic certification program, allows produce grown in greenhouses to carry its “organic” label only if the buildings use at least 80 percent renewable fuel, for example. And last year the Agriculture Department’s National Organic Standards Board revised its rules to require that for an “organic milk” label, cows had to be at least partly fed by grazing in open pastures rather than standing full time in feedlots.

But each decision to narrow the definition of “organic” involves an inevitable tug-of-war among farmers, food producers, supermarkets and environmentalists. While the United States’ regulations for organic certification require that growers use practices that protect water resources, it is hard to define a specific sustainable level of water use for a single farm “because aquifer depletion is the result of many farmers’ overutilizing the resource,” said Miles McEvoy, head of the National Organic Program at the Agriculture Department.
While the original organic ideal was to eat only local, seasonal produce, shoppers who buy their organics at supermarkets, from Whole Foods to Walmart, expect to find tomatoes in December and are very sensitive to price. Both factors stoke the demand for imports. Few areas in the United States can farm organic produce in the winter without resorting to energy-guzzling hothouses. In addition, American labor costs are high. Day laborers who come to pick tomatoes in this part of Baja make about $10 a day, nearly twice the local minimum wage. Tomato pickers in Florida may earn $80 a day in high season.
Manuel Verdugo, 42, began organic tomato farming on desert land in San José del Cabo five years ago and now owns 30 acres in several locations. Each week he sends two and a half tons of cherry, plum and beefsteak tomatoes to the United States under the brand name Tiky Cabo.

He has invested in irrigation systems that drip water directly onto plants’ roots rather than channeling it through open canals. He is building large shade houses that cover his crops to keep out pests and minimize evaporation. Even so, he cannot farm 10 acres in the nearby hamlet of La Cuenca because the wells there are dry.
At another five-year-old organic farm, Rosario Castillo says he can cultivate only 19 acres of the 100 he has earmarked for organic production, although he dug a well seven months ago to gain better access to the aquifer. The authorities ration pumping and have not granted him permission to clear native cactuses. “We have very little water here, and you have to go through a lot of bureaucracy to get it,” Mr. Castillo said.

Many growers blame tourist development — hotels and golf courses — for the water scarcity, and this has been a major problem in coastal areas. But farming can also be a significant drain. According to one study in an area of northern Baja called Ojos Negros, a boom in the planting of green onions for export a decade ago lowered the water table by about 16 inches a year. “They were pumping a lot of groundwater, and that was making some people rich on both sides of the border at the expense of the environment,” said Victor Miguel Ponce, a professor of hydrology at San Diego State University.
The logistics of getting water and transporting large volumes of perishable produce favors bigger producers. Some of the largest are American-owned, like Sueño Tropical, a vast farm with rows of shade houses lined up in the desert that caters exclusively to the American market.

While traditional organic farmers saw a blemish or odd shape simply as nature’s variations, workers at Sueño Tropical are instructed to cull tomatoes that do not meet the uniform shape, size and cosmetic requirement of clients like Whole Foods. Those “seconds” are sold locally.

Yet the connection to the United States has brought other kinds of benefits. Del Cabo Cooperative, which serves as a broker for hundreds of local farmers, provides seeds for its Mexican growers and hires roving agronomists and entomologists to assist them in tending their crops without chemicals. As the American market expands, said John Graham, a coordinator of operations at Del Cabo, he is always looking to bring new growers into his network — especially those whose farms draw on distant aquifers where water is still abundant.

Saturday, December 24, 2011

Retirement: The Case For Staying Put

December 19, 2011 — While not every Topretirements member is interested in moving to a new place once they retire, most are at least open to the idea. That is why we have devoted so many resources to this question, particularly on factors like where to live and what should be considered in such a move. But, tempted as we might be by the lure of low taxes or sunnier skies, probably three-quarters of us won’t move more than a few miles away from our current home in retirement. This article will explore the case for sticking close to home in the next phase of your life.

Just as there are many good reasons for moving far from home, there are plenty of strong arguments for staying in the town or area where you live now. Here are some of the major ones:

- Family. In our book this our children and close relatives are always the best reason for choosing a retirement destination. The ties we have to family are usually what make us the happiest. Grandchildren, if we are fortunate enough to have any, are usually a great source of joy, but without all the work associated with raising our own children! So sticking close enough where you can see our kin without a long drive or plane flight will be a regular source of happiness.

- Friends. While not as powerful as family ties, your friends are not something you want to give up easily. Sure, you can come back and visit, or they can come to see you in your new location, but it just won’t be the same once you move away. More than that, there is the problem of making new friends in a new community. For some folks that’s easy, but for others it is not. Making friends in an active adult community is usually quite easy, but it can take time.

- Other social contacts. You might belong to a church and not want to give up the personal connections you have built up over many years. Likewise you might belong to a country club, or act as a volunteer in your community. Moving away from those connections could cause a sense of loss that only becomes apparent once you have moved away.

- Intangibles and culture. You know the neighborhoods and region you live in now. You know what the people are like. Uprooted, some people might not like what they see in a new community. Your new neighbors won’t have the same social and cultural customs and attitudes. They might be more or less liberal, conservative, or religious than your old contacts. You might not think they are as friendly as the folks where you live now. So staying close to home can help you avoid unnecessary change and agita.

- Moving hassles. We don’t know anybody who likes to move. It’s expensive and it is a horrible, drawn-out hassle. Once you have retired, downsizing usually means selling, giving away, or throwing out much of what you accumulated over a lifetime. So if you never move, there is a lot of stress that you won’t have to experience.

Strategies for optimizing your retirement – without moving far
So if you decide not to move far from where you live, what strategies should you take to maximize your happiness?

- Cut your costs. OK, so you are going to stay in the town or neighborhood where you live now. But that doesn’t mean you should continue to live in that energy guzzling, oversized home where you raised your kids. Moving to a townhome, apartment, or smaller new home could save energy and dollars. And, since property taxes are usually the biggest taxes anyone pays in retirement, when you downsize to a less expensive home you will save money on that expense too.

- Make life easier for yourself. Do you really want to be up on a ladder cleaning gutters when you are in your 80′s? Or replacing water heaters, roofs, furnaces, septic tanks, etc. when you are on a tight budget? Moving to a community or building where maintenance is included is going to help you avoid hassles and expenses.

- Prepare for the next phase. When you first retire you are probably most concerned with being active – travel, golf, hiking, or the like. With luck you will be in perfect health into your 80′s and 90′s, and continue to do the active things you love. But on the other hand, your knees might give out or you could have a stroke at any time. Living in a home with universal design features will get you prepared for whatever shape you are in, without compromising your lifestyle. For example, eliminating steps and putting counters lower will let you stay where you are if you develop mobility problems, without expensive retrofitting or moving to a new place. The same goes for a first floor master bedroom.

- Get near public transportation. If we are lucky enough to live a long life, the day will come when we can no longer drive. So if you plan ahead and move to a place that has access to public transportation you will still be able to get out and about. Better yet, try to live in a neighborhood where you can walk to the library, downtown, stores, etc.

- Think about the social aspect. We are social creatures. When you are thinking about a neighborhood, consider how you are going to interact with people on a daily basis. There might be enough fellow baby boomers where you live to create your own retirement neighborhood. You can share services with your neighbors. Or, you can move to an apartment or condo building where your neighbors are close and daily social interactions are easy.

- Go somewhere warm for a month. Florida, Arizona, and the Carolinas have all kinds of rental deals in the current distressed market. For less than $1000 a month you can stay in a nice place and ride out the worst of winter. It’s almost as cheap as staying home, so why not experience the best of both worlds by renting.

For further reference:
Jane and Jack: Retired in Place
What Baby Boomers Want in Their Next Home
What Are the Must-Have Features in Your Next Home
Cooperatives Help Aging in Place Movement

Source: http://www.topretirements.com/blog/great-towns/best-places-to-retire-the-case-for-staying-right-where-you-are.html/

6 Comments »
Jan Cullinane says
A study by Lynn Giles, PhD, found that people with extensive social networks outlived those lacking social support by 22 percent. Interestingly, it was friends and not relatives who had this effect. (Not to say relatives aren’t important; they just weren’t a factor in increasing longevity in this study). The effect of friends increasing life span persisted, even when those in the study experienced huge changes such as the death of family members or a spouse.
So, when wondering “should I stay or should I go,” think about this study. If your friends have all moved away, and you want to stay where you are, you should build up a new social support system.
Jan Cullinane, The New Retirement: The Ultimate Guide to the Rest of Your Life (Rodale)
December 21st, 2011 | #
Admin says
We received this comment from a member this morning:
You are wrong. My best retirement place is the one that lends me an opportunity to really mingle and form strong bond with people. I am a single man and definitely need a soul mate for companionship.
December 22nd, 2011 | #
Dave says
Seems like the #1 suggestion for retiring where you live is to move to a smaller home. Moving is moving, with all that stress and disposing of property that won’t fit in the downsized home, regardless of whether it’s around the corner or another state. So I’d say that the social network you want to have is the most important decision factor on retiring locally or in a new location.
December 22nd, 2011 | #
Tracey Lyons says
My husband and I are in our pre-retirement planning because we are only 52. I think my biggest concern would be taking on a new mortage at age 60 or 65 or even the new retirement age of 55. We’ve only been in our current home for 4 years so having enough equity to put a large downpayment on a new home will take us at least 10 more years in our current address. I do, however, love the idea of renting in a sunny state for a month. We’re forutnate to both have jobs where we work out of home offices.
December 22nd, 2011 | #
Chris says
I feel a need to comment about the ties of friends not being as important as family. This clearly isn’t always the case. Ever hear the expression, “you can choose your friends but not your relatives?” :smile: Our friends are in our lives because we WANT them to be, not just because they are related to us! Of course some people have wonderful relationships with their family and that’s great but don’t downgrade the importance of friends. You should live where you want to live because YOU want to live there, not just stay where you are because of family. If you are happy there, great! But people come and go — pick a place where you would like to live and if at all possible, just go. I’ve stayed in CT longer than I wanted because my Mom was getting old. But you can’t put your dreams on hold because of someone else. I love my Mother but at some point you have to do what is right for YOU. And I have known people who moved to be closer to their kids and grandkids — who then up and moved somewhere else a short time later.
December 22nd, 2011 | #
Jan Cullinane says
That is why the study referenced above is important. Social support outside of family is vital for most people.


Moving to Costa Rica

Moving to Costa Rica

How two friends made a dream about early retirement come true in Central America

The first thing I see each morning when I step out on the porch of my home in Costa Rica is the ever-changing Gulf of Nicoya.


As I write this (in September), it's the rainy season, which means there are a hundred hues of green in the trees between my side of the mountain and the gray-blue glassy sea. On this particular morning, I can see two small fishing boats on the water between the local ferry port and several forested islands in the distance. It's not yet 7 a.m., and I can already tell that the temperature will reach the mid-80s by noon.

I'm 60 years old and retired from a 35-year career as a legal secretary. How I came to live on the Pacific coast of Costa Rica is a story about early retirement, tight budgets and lots of planning.
My best friend, Carol, and I began thinking seriously about retirement roughly 12 years ago. We knew we wanted to retire early, but we recognized that our small nest eggs (and the fact that Medicare doesn't kick in until age 65) could make that difficult. Eventually, we concluded that living outside the U.S. would allow us to stretch our dollars and retire on (our) schedule. Thus was born a 10-year plan: five years to pay down as much debt as possible, and five years to find a home overseas.
Perfect 10
We agreed on 10 criteria in our search for a retirement destination: warm weather; a country with a stable democracy; a four-hour plane ride or less from the U.S.; adequate and affordable health care; American-friendly; located near or by an ocean; clean and abundant fresh water; affordable housing; a cost of living at least 50% lower than in the U.S.—and good coffee.

[COSTA_1] Vicki Berrong

Arenal Volcano, the centerpiece of a national park, has erupted often in the past several decades and powers green energy projects.

We pored over maps, read guidebooks, evaluated countries we had visited, and subscribed to every publication we could find on the subject of international living. Our research kept pointing us in the direction of Costa Rica.
After a total of seven trips to this small country (about the size of New Hampshire and Vermont combined, with a population of about 4.6 million), we found "home": a two-story house (with, as noted earlier, stunning water views) in the rural village of Playa Naranjo. Carol retired and moved here in early 2010, and I followed a year later.

Costa Rica makes it fairly easy for expats to settle here—save for one peculiarity. Nonresidents (like me) qualify for a 90-day visa but have to leave the county for 36 hours at the end of the 90 days. Then, you turn around and obtain a new 90-day visa. (An easy solution: holidaying in neighboring Panama or Nicaragua, or even Colombia for a couple of days.) Retirees may apply for residency with proof that they receive a monthly income of at least $1,000 from a permanent pension source or retirement fund. I may apply when I turn 62 and start collecting Social Security.

At the moment, I don't have a job here, although at some point (once my Spanish improves) I would like to work as a tour guide. Besides doing normal household chores, my days are spent taking long walks, going to the beach (a 10-minute stroll), swimming in one of two local pools, napping, reading and corresponding with family and friends. We're blessed with wonderful neighbors, a mix of native Costa Ricans (called Ticos) and expats from Canada, Belgium, Germany, the Netherlands, Scotland, Spain, Italy, Singapore and the U.S. Especially during the dry season (November through March), parties ("fiestas") are plentiful.
Costly Fuel
Friday is market day. We drive to Jicaral, a thriving farming community about eight miles from our house, where local farmers set up colorful displays of fresh fruits and vegetables near the town square. With gasoline costing about $5 to $6 a gallon, we do our best to share rides with neighbors. And that pretty much sums up the cost of goods in Costa Rica: What is grown here is cheap; what is imported is not.
We spend about $50 a week on food (for two people). Native fare is rice and beans (about $2 for about two pounds), potatoes, yucca, onions, red peppers and carrots (about 25 cents each). For $1 you can buy three cantaloupes, or two avocados, or four mangos, or three oranges (in season), a watermelon, or a whole pineapple and enough fish to feed two. Two pounds of ground beef (86% lean) or boneless chicken cost about $4. On occasion, I'll splurge, paying about $6 for a bag of Cheetos or miniature chocolates.
Affordable Housing
Housing prices are off their highs of two or three years ago. You can buy a nice two-bedroom home on about an acre of land for between $100,000 and $300,000. My utility bill is $50 to $150 a month, depending on how much I use the air conditioning. My property tax last year was under $100.
Health care, meanwhile, has turned out to be exactly what we were looking for: affordable and more than adequate. There are two health-insurance systems: a public-sector plan (similar to health-maintenance organizations in the U.S.) and a more comprehensive private plan (about $1,500 annually). Both cover doctor visits, prescription drugs and hospital care.


No, the country isn't perfect. Cultural differences are sometimes frustrating and always humbling. Ticos are some of the most friendly and nonconfrontational people in the world. Sometimes, that's a problem for goal-oriented gringos. For example, you ask when the big bags of dog food are arriving at the feed store—and the proprietor, with a smile, will answer, "Martes." Translation: "Señora, I don't know when the truck is coming in, but you Americans always want to know a date or time, so I'm saying Tuesday."
In short, patience is not a virtue here; it's a necessity. There may be five customers in front of you at the bank to see an account representative. Bring a book. Most likely you will overhear the bank rep inquire about the well-being of all 22 of his customer's relatives. Of course, when it's your turn, your transactions will not be rushed, and you will be asked about your family, as well.
Parting Pains
Looking back on our planning and experiences, I've learned that dismantling your life and moving to another country is not for the faint of heart. In fact, it's one of the hardest things I've done. You will not have room for everything you want to take with you; you will not have time to say good-bye to everyone; and you can't complete all the tasks you think you have to accomplish. (Of course, I miss my friends and my two grown children, Shane and Michele. That said, we Skype, email frequently and keep up on Facebook. I see them on my periodic trips to the States, and they plan to visit Costa Rica.)
Am I committed to Costa Rica long term? It's too early to say. (There's always a chance we could move back to the States when we qualify for Medicare.) That said, my new adventure, to this point, has lived up to—and exceeded—my expectations. As I sit on my porch watching the several shades of pink and red float across the sky as the sun sets across the gulf, I feel like I'm at home.
There's a phrase locals use, a greeting and an expression, that sums up the feeling nicely.
"Pura vida," they say. Life is good.
Ms. Berrong lives in Costa Rica. She can be reached at next@wsj.com .
 
Corrections & Amplifications
Gasoline in Costa Rica costs about $5 to $6 a gallon. An earlier version of this article incorrectly said the cost was about $14 a gallon.

Source: http://online.wsj.com/article/SB10001424052970204770404577080373898763542.html


More in Next: The New Retirement

30 Great Places to Retire: A Journal E-Book

Read 30 of Next's most exciting profiles of retirement destinations across the U.S. and overseas, complete with photos and quick facts for easy comparisons. This e-book, which can be viewed on all devices, is available for $3.99 at WSJ.com/eRetire.

Friday, December 23, 2011

Best Places To Retire

Best Places to Retire

Many people dream of moving to a new location in retirement. When you are no longer tied to your job you can finally take off for a warmer climate, pursue your hobbies, or simply move closer to your grandchildren. Selecting a place to retire requires a great deal of thought and planning. Use our Best Places to Retire search tool to find a place that has both beautiful scenery and big city amenities. You can also search based on budget criteria including the cost-of-living and home prices. Moving to a lower cost locale than where you live now can give your nest egg a much needed boost. If you think part-time work might be a part of your retirement years, consider places where the economy is growing and the unemployment rate is low. Make sure that any place you move to has quality health care facilities in case you need them. The ideal retirement spot should also have all the recreational activities you’ve been longing for including golf courses, a few lakes for fishing, and plenty of outdoor trails. Our Best Places to Retire lists can help you find an idyllic locale on the water, tucked away in the mountains, or deep in wine country. We have also tracked down towns that are especially green, educated, and historical. Keep dreaming about how you would like to spend your retirement years. We will help you find a place that fits all your retirement lifestyle needs and your budget.
Best Places to Retire
The 10 Sunniest Places to Retire
Bring your shades to these locales. These cities get more sunshine than any other places in the country
The 10 Best Places to Retire in 2012
These cities will meet your retirement lifestyle needs and suit your budget.
10 Fast-Growing Retirement Spots
New data shows that most people retire near the place where they spent the final years of their career.
10 Places with the Oldest Population
In these cities, many of which are located in warm states like Florida or California, more than half of residents are over 40.
10 Places to Retire on Social Security Alone
These places are perfect for Americans who count on Social Security as their primary source of retirement income.
10 Best Places for the Wealthiest Retirees
Most Americans will be priced out of these affluent suburbs, which offer great housing, health care, and amenities.
10 Bargain Retirement Spots
Retirees may now be able to afford homes in places they couldn’t only a year ago. Here are a few places where that is possible.
Best Places for Military Retirees
This list of ideal locales for former members of the military includes some expected winners, but it also has a few surprises.
10 Best Places for Single Seniors to Retire
These cities have the most single people age 55 and older. To improve your odds of meeting other single seniors, only metro areas with populations of over 100,000 are included in this list.
10 Places With the Most Retirees
In these cities, nearly a quarter or more of the population is made up of retirees, making for communities full of activities and services to accommodate a retired crowd.
10 Places to Launch a Second Career in Retirement
Many seniors are going to continue to work past age 65, both for the money and because they enjoy working. Here are locales with below-average unemployment and a solid record of new job creation.
10 Historic Places to Retire
These centuries-old cities are perfect for retirees who love history. The sights these cities offer will bring you back through America's short-but-eventful history.
10 Best Places to Reinvent Your Life in Retirement
If you are looking for somewhere to start over once you retire, these places are perfect. They offer a variety of fun activities and beautiful scenery at a low cost of living.
The Best—and Worst—Places to Build a Nest Egg
We've looked at each state's housing market, unemployment rate, per capita income, and taxes to get a sense of where Americans are most likely to be able to tuck away money for their nest eggs.
10 Best Affordable Mountain Towns for Retirement
These towns are great for retirees who would love to forget about the hustle and bustle of the city and become more acquainted with the outdoors. Each offers scenic views and groomed slopes at a low price.
Best Places to Downsize in Retirement
Many Americans are looking for a way to reduce their cost of living in retirement. Here are 10 places that don't skimp on the services but still offer plenty of fun and low-cost activates for retirees.
10 Great Places to Retire for Wine Lovers
With fields of grapes that stretch beyond your line of sight and wine practically whenever you want it, wine country can offer a beautiful but still affordable retirement.
The 10 Most Affordable Cities for Long-Term Care
We've pulled the data and crunched the numbers to compile this list of the most inexpensive cities in which to purchase various types of long-term care.


Source: http://money.usnews.com/money/retirement/best-places-to-retire