My friend Donna retired to St. Thomas in the USVI years ago with her husband and daughter. It is a great way to live an island life with all the amenities of the US.
Since Donna worked in Real Estate here in California, she started dabbling in Real Estate in St. Thomas, and she now has two vacation rentals there starting at only $80 a night! As she says, it may not be a luxury hotel, but their studio has free WiFi, cable tv, DVD player, telephone, beach towels, linens, double size murphy bed, coffee maker, toaster, stovetop, silverware, microwave, and a refrigerator; the 2 bedroom, one bath option sleeps six and (starting at $100 a night) offers every room a spectacular view of the Caribbean Sea.
On a clear day you will be able to see St. Croix. Each morning and evening you can watch the cruise ships as they sail in and out of the harbor. Walk out your back door to the pool and deck to have fun in the sun.
Now that airfares are so affordable to the USVI, go visit my friend Donna, she will make your stay comfortable and fun. She may even convince you to retire and become her neighbor!