Active Baby Boomers Interested in Purchasing Second Home While Older Boomers Want to Downsize

Baby Boomers are about to explode in numbers into the retiring population, changing the face of aging in the United States. Active Baby Boomers are generally 47-54 and still in the workforce. Older Baby Boomers (56-64) are either retiring early or preparing for retirement. According to an article on, “The Boomer Effect” by author John Van Gieson, statistics forecast 10,000 Baby Boomers a day will retire in the next 20 years. This sets the stage for the doubling of the aging population in the decades to come. Because of the implosion this will create on the American economy and Social Security and Medicare, this aging Boomer population has been dubbed the ‘silver tsunami.’

At the same time this population ages, life expectancy is extended for this group largely because of medical technology. This combination of factors sets the stage for a very particular group with specific housing needs pre and post retirement.

Though some Boomers may have lost property and jobs during the recession, many held onto their homes and kept equity in their homes. The financially secure Baby Boomers are ready to make a move or an investment. As the real estate market continues to repair from the great recession, some of these Boomers are considering a move now. This may involve downsizing from a large family home to a property with no exterior maintenance. Meanwhile, many Active Boomers, looking onward towards retirement, desire second homes and investment properties.

What geographic areas in the U.S. will the silver tsunami prefer?

Some Boomers may purchase property in Florida. But Florida will no longer be the mecca for retired homeowners, as it was for many years. Current trends indicate this generation of Boomers will tend to purchase properties in the Mid-South region in places like Virginia, the Carolinas and Tennessee.

Virginia Homes for Sale Desirable for Boomers

According to the U.S. Census, population across the state of Virginia grew 3.2% between 2010 and 2013. In my own geographic region, Williamsburg and James City County, population increased 5.2% during the same time period. Williamsburg, James City and York Counties have always been popular retirement locations, and as statistics indicate – this trend will continue. The historic triangle is a popular place in Virginia to purchase a home because the region is family oriented, rich in history, and has ample dining and entertainment opportunities, with easy access to larger urban areas such as Hampton, Newport News, Norfolk and Richmond.

Virginia Recommended for Retirement by

In 2013, a writer from, a savvy online financial publication, recommended locations across the Commonwealth of Virginia as ideal for retirement. Locations included: Virginia Beach, Williamsburg, Roanoke, Winchester and Charlottesville. Virginia’s low(er) property tax rates compared to Northeastern states, its central location in the Mid-South (making it convenient to Northern cities and states) and its mild climate with four seasons were cited as reasons for retiring here.

Current trends in purchasing real estate for the Baby Boomers: Aging in Place

The aging in place lifestyle is a desirable one for many, especially those who do not wish to end up in retirement communities, but would rather be in their own home while they age. For the Boomer who wants to age in place, selecting the right property will allow this person this choice, without moving. First floor dwellings with attached garages as well as no exterior maintenance of a property are some characteristics of a residence where one may easily age in place. Boomers are also looking for homes convenient to shopping, doctors, children and grandchildren.

How are Boomers’ Housing Needs Defined?

Often a Boomer’s housing needs close to or nearing retirement will shift. Many will require less space than the family home once provided, – perhaps considering a 1,000-2,000 square feet home rather than 3,000-4,000. Preference will be given to homes with easy entrance and exits on the first floor with none – or very few – steps.

For the Boomer wanting to purchase a second home intended as a retirement property for a full time residence at a later date, the same parameters may apply. A desirable location in a quiet area with low property taxes (maybe even out-of-state) will be the most likely impetus for a move for many Boomers.

As the Baby Boomers mature and become the ‘silver tsunami,’ expected lifespans are lengthening, too. So, if a Boomer retires at 60 or 65, he or she may enjoy another 15 to 20 years of independence, provided good health prevails. Choosing the right housing for retirement is an important decision that will potentially impact a Boomer for decades to come and should be thought out carefully. Rely on a professional REALTOR to help make the right choice in purchasing a home for retirement.

Baby Boomer Retirement – What is Different About Baby Boomers Retiring?

76 million baby boomers will reach retirement age in the next 18 years. Baby boomers being defined as those born between 1946 and 1964.

They comprise the largest population group in US history, 28% of the current citizenry. Never has a single group been more targeted by advertisers and marketers.

As far as baby boomer retirement is concerned, the current US economy has some wondering if they can ever retire. Poor interest rates on savings, poor stock market performance, have encouraged consumption at the expense of the retirement nest egg.

As a result, 25% have no retirement savings; another 25% has $25,000 or less. Consequently, 72% of baby boomers expect to be working in retirement. Not what they had planned but a reality nonetheless.

Retiring boomers still want sun and sand in their retirement plans…Arizona, Florida and the Carolinas being the favorite states to retire to in 2010.

More and more will choose to relocate overseas for their retirement. The countries closest to the US, that offer frugal retirement living are Mexico (the most popular), Panama, Belize, Costa Rica, and Ecuador. Uruguay, Argentina and Brazil are also becoming popular with baby boomers retiring.

In these countries you can expect to live well on $2,000 a month…some as little as $1,000 a month. If traditional retirement, not working, appeals to you consider going south of the border. With domestic help being available for $200 a month in most of these countries…your boomer retirement lifestyle can be considered a better lifestyle, than how you live now.

Do not let health care be thought of as a negative in these countries…it is good to excellent at a fraction of the cost that you pay in the US.

For instance, in Costa Rica, with 50,000 Americans living there now, health care is exceptional with the advantage of small clinics and getting prescription drugs from a pharmacist instead of requiring a trip to the doctor. Panama recently opened a Mayo Clinic.

Some say there is no place like home. Fine, but you will be much more likely to have to work in retirement than those that choose to retire overseas. Is it all roses, overseas?…No, it requires a spirit of adventure and some flexibility.

Want to learn more about baby boomer retirement?

Baby Boomers Are Finishing Work Later

A recent study by the Federal Reserve revealed that more individuals 55+ years are now working longer. This is a turnaround of the style of a couple of decades earlier. It seems the Baby Boomers are not retiring as early. There are a few reasons:

1. They can not afford to retire. In between higher living expenses yet incomes not increasing to stay up to date with the rising cost of living, there are fewer individuals able to save enough money for retirement.

2. In the U.S. the size of the public debt could suggest a loss of social security benefits at some time in the future. The huge number of individuals qualified for payments is increasing also. Federal government benefits might not be a trusted source of income.

3. With such a multitude of retiring employees but fewer young employees to fill the work, it leaves job vacancies for the older employees to take. What business would not desire seasoned, already educated employees in every industry?

Josh Zumbrun writing for The Wall Street Journal has explained that Americans are working longer but eventually they do get around to retirement. We haven’t returned to the Dark Ages when individuals functioned till they broke down and passed away.

The change in labor force participation that has happened at each age has been biggest for workers in their mid-60s. From age 62 to 65, women are about 10-12 percentage points more likely to work today than in 2000, and men about 6-8 percentage points more likely. These are precisely the years when decisions to continue to work help optimize the size of Social Security payments and the years where some workers may choose to continue working until becoming eligible for Medicare.

Americans’ retirements have been delayed, but not abandoned entirely. Having the financial means to retire is a big part of the story. But the vast majority are still getting to their golden years eventually.

It needs to be explained that the style to work longer is true for both men as well as females. Just what will the future hold for those reaching their 60’s? Will they retire at 65 as their family members did? It’s unlikely as individuals are also living longer now.

Retired life for 30 years is bound to be expensive as well as for some individuals, somewhat boring. I think there will certainly be more individuals altering occupations in mid-life, much as the retiring armed forces do now. The community colleges already offer good training as well as correspondence courses. We see an increase in online courses also. Just what do you believe is ahead for retiring employees and exactly what do you intend to do?

What Baby Boomer Women Should Know About Money!

Baby Boomers, those 80 million born in the U.S. from 1946-64, had a different experience than the Silent or Greatest Generation. In most households with a Baby Boomer couple, both work for most of their adult lifetime until retirement. After meeting tens of thousands who have attended my financial, tax, and economic seminars over the last 33 years, here are some observations that apply to Baby Boomer women.

• You should not depend on a marriage certificate for your desired lifestyle. The marriage statistics are sobering because only about half of the marriages last forever. For Baby Boomers, it’s not unusual to have 2 or 3 different marriages. Each time there’s a divorce, both spouses decrease their living standard. Although an even split of community property is the norm, the legal fees and emotional damage can become permanent. Now the two ex-spouses have to pay for 2 households; 2 big screen TV’s; and 2 sets of furniture when they split up. When one takes a vacation, the hotel room costs the same, whether there are one or two occupants.

• Women should plan to be able to live on their income only. The divorce courts have changed their opinions about spousal support. Unlike 40-50 years ago, the courts expect the woman to work. There may be temporary alimony until kids reach age 18 (sometimes age 23 if they go to college) or for 5 years so that the woman can go back to college. However, the divorce courts expect each spouse to cover their own living expenses on a long-term basis.

• Women must understand Spousal Continuation. An older couple recently came into my office. He has been a retired federal government employee for the last 30 years. He has a federal pension $35,000 per year. Each spouse only had $5,000 of Social Security income. She had never made much in her working life. His Social Security retirement benefit was severely decreased because he had a federal pension. Their total steady income, not counting investment income, was $45,000 and they spent $35,000 annually. However, upon his death, his wife will only receive $4,000 per year from his pension, and there will only be one Social Security check. The family steady income will drop from $45,000 as a couple to only $9,000 for her.

If you or your spouse is lucky enough to have an old-fashioned defined benefit pension, you need to contact the pension administration firm and ask them to give you the answers to these 3 questions in writing: (1) How much should my pension be and show me the formula? You know how much you have been receiving but how do you know you have not been shorted. (2) After I die, how much pension income does my spouse get? (3) For how long?

• Financial and tax knowledge, not diamonds, is a girl’s best friend! Because women tend to outlive men by 4-6 years, at some time in your life, you will be responsible for managing assets that may have taken a lifetime to build. It may be financial investments, a small business, the family farm, or an inheritance from previous generations. It’s an awesome responsibility and 77 percent of women say they need help, “Financial Experience & Behaviors Among Women, Prudential Financial 2008 study”. Women who use a financial advisor feel 50 percent more responsible, confident, and optimistic about their finances, but who do you trust? You may love your kids, but do they have extensive training in tax, investments, and business?

Summary: It’s not unusual that women expect to live until their 80’s and 90’s. The best way for women to prepare for the future is expecting to earn their own money and having the knowledge to manage their investments.

Reinventing Retirement Baby Boomer Style by Dr. Deb Gilbert

I recently ran across the book ‘Reinventing Retirement Baby Boomer Style; The Activities Playbook’ by Dr. Deb Gilbert. From the title I was not sure what I was going to see, but after browsing the table of contents I was even more intrigued. Most retirement books are boring financial planning advice and there are a plethora of them. ‘Reinventing Retirement’ is a fresh and delightful look at what’s to come and how to live well in those ‘golden years.’ Dr. Gilbert addresses retirement income from the aspect of lifestyle; whether you will have a working retirement or not.

Dr. Gilbert gives great advice on planning with methods that can lead to a very enjoyable retirement regardless of personal economics. The book gets your creative juices flowing about pursuing dreams you might never have had the time to go after before, or how to discover your passion. Whether you find you want to try a new artsy path or maybe teach skills that you have acquired to others.

Dr. Gilbert encourages you to seek fulfillment through balance and passion. Maybe finally writing that book or novel is right for you. It is often said that every person has one good book in them, and writing can be an extremely rewarding experience. The story that you have to tell might be the next great American novel, or a biographical memoir that passes the lessons you have learned on for the benefit of generations not yet born; your legacy.

“Reflection and research are the yin and yang of a successful retired life, no matter what definition of success you are using. Reflection requires you to take some time to examine your needs and wants,” she tells us. This book is not just another ‘pep talk’ however. Dr. Deb puts her money where her mouth is with specific ideas and links to helpful websites such as giving back to your community, travel, how to balance your particular retirement lifestyle, things to do, exercise tips and much more. The book comes with brainstorm worksheets or ‘play sheets’ for planning that are available on Dr Deb Gilbert’s blog also.

“Dream big,” says Dr. Gilbert. “We all have had dreams that never came to fruition. Loving where you live during your retirement is critical. I have always wanted to live close to a beach, so that I could go (at least) every weekend. When I relocated during my empty nest period, I specifically looked for work near a beach. Now, I have my pick of several different beaches, all within a two-hour drive. Your retirement is the time of your life that you have the most control over. All day, every day, is yours and yours alone to do with as you will. Fill your time with things that make you happy.”

If you are a baby boomer already retired or looking ahead to retirement, I recommend this book knowing everyone will find things they relate to, new ideas, and be inspired.

Senior Health Care and Safety Advice for Baby Boomers

The baby boomers that grew up listening to the Beatles and the legend of rock and roll, Elvis Presley, are now entering their last phase of life. Having lived all their lives providing for their families and kids, they are stepping into an age where they are dependent on others for their well-being.

If you are lucky enough to have one of these baby boomers as your parents, then you should realize the enormity of their debt to you in the form of selfless love and devotion that they showered upon you during your formative years. By caring for your baby boomer parents, you may have a chance to repay their debt by providing the same care and protection that they provided to you when you were an infant.

Here are some essential health care tips and advice to ensure their welfare and happiness.

Senior Health Care

Older people require help and assistance from others to perform daily tasks and routines. They become exhausted and worn out in performing routine tasks such as combing hair, changing clothes, doing laundry, and even from moving from one place to another. This requires the need to hire senior health care services especially for baby boomer parents.

You should carefully consider whether a nursing home or live-in caregiver is ideal for their needs. Every person has different requirements. Some people like to interact with others in the social setting of nursing homes. Others shun social gatherings and love to be in the comfort of their home. Whatever their preferences, baby boomer parents should be gently coerced into getting outside help for their own welfare and safety.

Mode of Transportation

Another important issue to consider regarding baby boomers is transportation. Allowing them to drive a car can be very dangerous especially during the night. Try to persuade them into availing alternate transportation options for their own safety and security. Some of these include utilizing reduced fare taxis, public busses, and transportation facility for senior members. It will not be easy in the beginning but since it is for their own good, do not give up.

Home Modifications

Consider making modifications to the home if your parent suffers from some disability that hampers movement. You can install grab bars in the shower and install ramps to avoid using the stairs. You should also consider moving the bedroom or bathroom to the ground floor for their safety and convenience.

Aging Baby Boomer Products – 8 Benefits of the Baby Boomer Peel

The baby boomer generation, those born between 1946 and 1964, now make up an estimated 80 million people in the United States. Boomers grew up in an era when terms like sun protection factor, free radicals and antioxidants were non-existent. Now, many are facing the damaging effects of sun exposure, environmental toxins and stress as well as the effects of fast paced lifestyle choices. Fortunately, because we are now living in a time of significant advancements in skin care, baby boomers can substantially reverse these detrimental aging effects.

Top in youth-oriented treatments and products is the Baby Boomer Peel, specially formulated for the specific challenges faced by those between the ages of 43 and 63. If you are looking for aging baby boomers products, here are 8 benefits of the Baby Boomer Peel:

No Surgery or Downtime

By using safe, superficial chemical peels specially formulated for baby boomers, you may not have to resort to plastic surgery which is not only expensive but requires extensive healing time. With a peel, baby boomers will look younger, feel younger and live younger without surgery.


Exfoliation is the key to youthful skin. Peels formulated for baby boomers gently lift away layers of dead, damaged skin cells to reveal fresher, softer skin with fewer lines and smaller pores.

Skin Stimulation

This peel will also stimulate the skin, encouraging new, healthy cells to travel upward to reveal moist, pink, renewed skin. In addition, increased blood flow from the stimulation also brings needed nutrients to the skin.

Diminished Crow’s Feet and Lines around the Mouth

A major benefit of the Baby Boomer Peel is how easily the fine lines and crow’s feet diminish with proper treatment.

More Even Skin Tone

Baby Boomer Peels even skin tone, lessening sun and age spots and creating a younger, smoother and more refined texture.

Increased Circulation

Increased circulation due to the peels brings vitality to tiny blood vessels responsible for tissue respiration, which brings more oxygen to the skin.

Firmer Skin

By using a peel specially formulated for baby boomers, slackened tissue becomes firmer and more toned, which is especially important for the jowl and neck areas.

Stronger Skin

Baby boomer peels also strengthen skin tissue, allowing the skin to take on a healthier, more youthful glow.

By utilizing natural ingredients partnered with scientifically developed compounds, baby boomer peels can turn back the hands of time, undoing years of damage from the sun and other sources. Aggressive peeling may occur in the first week and the appearance of the skin will continue to improve for the next few weeks, resulting in fewer fine lines and skin discolorations as well as a reduction in pore size. Offered in a range of specific peelings, baby boomer peels are especially geared for the boomer generation to refresh, revitalize, renew and protect the skin.

Baby Boomers Are a Unique Group of Individuals – Will They Plan For Successful Aging at Home?

Baby boomers are unique in their beliefs and characteristics. Boomers are very different from past generations. This uniqueness affects every aspect of life; beliefs about themselves, their career, home, and leisure time. Baby boomers plan to successfully age at home. Boomers are a very individualistic generation. Boomers have lived a very hectic lifestyle, and their leisure time is often interrupted by the many demands of life.

Boomers plan to age gracefully. Just as every generation before them, many of the aging boomers will be diagnosed with chronic medical conditions and will face their own mortality. Boomers will try very hard to stop or control the aging process through exercise, anti aging treatments and investigate alternative health treatments more than previous generations.

Many characteristics of baby boomers will allow them to successfully age at home. Boomers are the generation that is responsible for many of the advancement in today’s medical technology. Successful aging will be achieved as many will benefit from these advancements. Boomers are more health conscious, more physically active and more aware of healthy eating habits. As they try to age gracefully, many are now taking the necessary steps to improve their health. They are considered to be more active and are expected to live longer than previous generations.

Baby boomers are a generation that has sought fulfillment with self-help programs and community activities. Successful aging promotes the boomer to be socially, mentally and physically active. Boomers spend a lot of time volunteering and assisting to make their communities a better place to live. Boomers expect to age gracefully in their homes and remain in their communities to volunteer and financially support their favorite community group.

Baby boomers are comfortable with using computers and enjoy high tech products. Boomers will be open to technologies that will promote successful aging at home. They will also be open to technology that will be entertaining and fun. Wii’s are presently being used at home to promote fitness, exercise and balance. As the baby boomers begin to age gracefully, they will make demands for more products such as these, to assure activity and entertainment in their home.

They are an individualistic group, and are a generation that has rejected authority. This attitude toward authority figures has affected the aging boomer’s retirement. Many boomers have retired from jobs or have been downsized and experienced age discrimination due to an aging workforce. Boomers have taken their experience and developed a new level of an aging workforce. Boomers have started second careers and new business to stay active and productive as they age gracefully. The aging workforce is redefining retirement and how other generations perceive successful aging.

Boomers plan for successful aging at home as they come to face the aging experience through their parents. As much as boomers would like to ignore the fact that physical and mental changes occur during the aging process, they are dealing with facing their parents mortality. Boomers are faced with becoming caregivers of their children and their parents. Baby boomers are beginning to realize that they will have these experiences as they age and are now exploring avenues to successfully age at home.

Baby Boomer Music – The Best Of All Times

Everybody loves music; it pleases as well as relaxes. It helps you unwind and relax at the end of a long and stressful day at work. Listening to music gives you the rest and relaxation that you badly need. It also takes your mind off stressful thoughts and ideas.

No wonder that music is an inseparable aspect of the American culture. A number of people turn on the music in a bid to concentrate better on their work. Some enjoy exercising to the accompaniment of music. Some listen to their favorite tunes after a long and stressful day at work.

Why does music have such an effect on our minds and bodies? Studies have revealed that people who work as they listen to music or listen to music at the end of a tiring day exhibit more productivity at work. Experts suggest that people improve their power of concentration by listening to music. Music blocks the stressful elements in your immediate atmosphere. It also provides a sense of joy as you work and, therefore, makes you more productive.

The time of the baby boomers is marked by rich developments in classical music. If you are a fan of the Beatles, you are a fan of music from the era of the baby boomers. The songs of famous singers, such as John Lennon, based on the Vietnam war and longing for peace also spring from the baby boomer time.

What is commonly considered to be “hippie music” also belongs to the time of the baby boomers. Another genre than enjoyed great popularity during the times of the baby boomers is Rhythm and Blues. The most popular Rhythm and Blues baby boomer artists were Sounds of Philadelphia, Motown, Memphis, and so on.

Music really flourished during the times of the baby boomers. Acoustic music enjoyed great popularity during this time, and artists such as Boz Scaggs, Crosby, Nash and Young, Simon Garfunkel, Joni Mitchell, Stills, and many more enjoyed great fame and popularity.

Modern music was born in the age of baby boomers. Great baby boomer artists have become musical legends of today. Modern music, be in Rhythm and Blues or Rock, is strongly influenced by baby boomer music.

If you are a fan of Rock and Roll or Motown Sounds, purchase a CD of baby boomer classical music. If you prefer classical music in the genre of Rock and Roll, go in for the music of Led Zeppelin, Ramones, and other hot stars of the baby boomer times.

Are you a jazz lover? If you are, listen to baby boomer jazz artists such as George Benson, Dave Koz, Sade, Spyro Gyra, the Rippingtons, and many more.

You can purchase baby boomer music from your local stores; it is still available. Modern technology can convert your baby boomer LP vinyl disc into a digital format so that it could be burned into a CD. You can listen to your LP by converting it to a CD.

The timeless baby boomer musical classics are the best music you can get your hands on. It will not only relax you, but will also transport you to the times of these artists.

Australia’s Twin Towns – A Holiday Destination for Baby Boomers

We discovered the appeal of the Twin Towns on the Queensland/New South Wales border by accident when I planned a surprise 30th wedding anniversary weekend away with my wife. A colleague had suggested that I look at going to Coolangatta/Tweed Heads. So I contacted a travel agent in the area explaining what I wanted to do. She booked us into a resort on the beachfront at Coolangatta and suggested I take my wife to see a show in the Showroom at the Twin Towns Services Club. It was a Neil Diamond Tribute show with an eight piece orchestra. The seats were in the fourth row dead centre of the auditorium. It was fabulous.

That was the start of our love affair with the Twin Towns. You might say the Twin Towns have become our second home as we holiday there several times a year for short stays. Let me explain why.

You can swim on three patrolled beaches, Coolangatta, Greenmount and Rainbow Bay. You can surf at Snapper Rocks, Duranbah, Greenmount or Kirra points. Walking and Bike paths abound along the beaches and the Tweed River. You can fish in the river, off the beach or go ocean fishing. You can indulge in whale watching from Point Danger or go out in a boat from the Tweed River. You can even take a scenic cruise up the river.

In the winter you can be part of the “Cooly Rocks” Festival that features Rock and Roll of the fifties and sixties era and marvel at the restored cars of that era that are paraded during the festival in the local streets.

If you are into Lawn Bowls that the Tweed Heads Bowls Club is the place for you during the wonderful winter sunshine. Bowlers from all over Australia make the Twin Towns their home over many weeks during the winter. For the golfer, there are a number of courses within driving distance with the Coolangatta/Tweed Heads course worth a look.

If dancing is your passion then the Twin Towns Services club is for you. Several different dancing vogues are available each week. They include Line Dancing, Rock and Roll as well as different versions of Ballroom Dancing. Live entertainment occurs daily at Twin Towns Services Club and late in the week at the Bowls club.

The Twin Towns club have a large showroom where live shows are staged each week on Friday or Saturday. Mid-week shows, called Morning Melodies, are performed on most Tuesdays or Wednesdays at a small cost. Most shows are aimed at the Baby Boomers and their taste in music.

All the clubs provide a variety of dining opportunities. The best value for money is the buffet at the Coolangatta/Tweed Heads Golf Club. If you like to play the poker machines there are five big clubs in the areas providing a great variety of machines to play with various promotions on most days.

If Bingo is your “go”, the Tweed Heads Bowls Club has the best selection of games. Their Thursday night game has much to recommend it. If you want a game that stretches your concentration, then go to the Benora Club in South Tweed on a Tuesday night for their Novelty Bingo.

There is a great variety of accommodation available from caravan parks, to apartment and resorts. We stay at the Twin Towns Resort, adjacent to the club. It is managed by Mantra. We do this because of its central location; the cost is very competitive and there is a variety of accommodation from a hotel room to one and two bedroom apartments with direct access to the club. Although not on the beach front, there are views of the beach, the Tweed River Mouth; the Harbour as well as stretches of the river to the south and the ocean beyond.

Lastly, for interstate and overseas visitors, the Coolangatta airport is about five minutes’ drive away. Interstate and overseas flights arrive in great numbers daily to make it one of the busiest airports in Australia. With all these advantages you might think that this area is one of the busiest on the Gold Coast. But, in comparison to Surfers Paradise, Broadbeach and Burleigh Heads it is a quiet retreat most of the year. The Roxy Pro Surfing contest in March, Easter, “Cooly Rocks” festival in June, any long weekend and the Christmas/New Year period are the only times you need to avoid if you want a quiet, relaxing holiday.