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International Living

Tue, 05 Jun 2018 20:23:12 GMT

Looking for Your Just-Right Place Overseas?

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16 Countries Compared, Contrasted, Ranked, and Rated

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Dear Reader,

In the country that takes the #1 spot on our brand-new 2023 Global Retirement Index, you could live a lifestyle that would easily cost you six figures at home...only do it comfortably on a retired teacher’s budget.

The country I’m talking about—the world’s best retirement haven for 2023—has broad appeal...

Cosmopolitan cities sit along a rugged coast...beach towns tuck between golf courses...highland communities boast towering castles and cathedrals...rivers and vineyards provide rural retreats...

The weather is hard to beat. A temperate climate allows plenty of time for outdoor activities—from biking to hiking to water sports. Healthcare, both public and private, is widely available, affordable, and excellent. A couple can live well on $2,494 a month, immersed in history, culture, and eating out often.

“[We] immediately saw our expenses fall to between one-third and one-quarter of what they were back in the U.S.,” says one expat smitten with the experience in this #1 pick for 2023.

“The weather is good, the people are wonderful, and the pace of life is chilled,” says another transplant.

A third put it this way, “What’s life like, really? It’s easier…by magnitudes. People are nicer. The pace is slower. Everyone is quick to help and make you feel welcome. The stress of the daily grind has melted away. Sure, we still work and have busy daily lives, but the pressure and weight of the American lifestyle has been lifted. While we do stay on top of what’s happening in the U.S., we’re focused on diving into [the local] culture and creating our new lives here.”

Great Bang for Your Buck in this #1 European Haven

You may assume that European countries are too expensive to be viable overseas retirement havens, but let me share the good news: This intoxicating country, which takes the top spot in our 2023 Global Retirement Index, offers the best-value living in Western Europe today—pairing low costs with rich cultural offerings and beautiful, historic surrounds anywhere you go. (And beaches...oh, the beaches...)

As one couple who moved there puts it, “We currently rent a house with roof terrace and ocean view for [under $1,000] a month. Only a 10-minute walk from our doorstep, there are five different beaches to choose from. In the States, a property like that would be quadruple the price at least. Same for medical insurance: in the U.S., we’d pay $400 per month, per person. Here, we’ve found great healthcare insurance for both of us for €150 ($158) monthly.”

A lunch at an inexpensive restaurant runs about $13 per person—and that includes a glass of wine and dessert. At a high-end eatery, dinner for two costs in the $50 range. A maid will clean twice a month (about three hours each time) for roughly $60, total. Your internet package—which includes TV and your cell phone plan—will set you back a mere $90.

In the capital city, rent for a two-bedroom place would typically cost from $800 to $1,800, depending on how close you are to the city center. In secondary cities, you can expect to pay a little less: $700 or less outside the center and $1,000 or more in the thick of things.

One writer described this country’s lively capital as “Istanbul meets San Francisco, with its pastel-colored buildings and the wide river running right under a Golden Gate look-alike and sweeping out to the ocean.”

“We selected [this city] because, first of all, it is warm,” says a contented transplant from the cold Midwest. “After living in Chicago for a few years, we knew we definitely did not want any more freezing cold winters.”

He and his wife had spent many years in Los Angeles, and, he says, their cost of living now is about 65% of what it was there.

Another plus? “We have been surprised at how easy it is to make new friends. In Los Angeles, we were always rather isolated, either at home or in a car. If you wanted to see someone, you had to make an appointment.

“Here [we] have made many new friends. As an added bonus, the people we meet here tend to be very interesting and smart. They are, by definition, international.”

And history is everywhere. With its Old World feel, this is a country that does a wonderful job of offering modern amenities—good wifi, efficient electricity, well-connected public transportation—while maintaining its historic charms. Life is lived among cobblestone alleys, medieval town walls, and crenelated castles on hilltops—all sound-tracked by the toll of church bells. Yet you have all the modern conveniences.

Europe Can Be Less Expensive
Than You Likely Imagine

“As we sipped wine at the corner café with friends, my husband turned to me with a big smile on his face and exclaimed, ‘We really live in Europe. Can you believe it?’ Just then the waitress came over with the check, which our friend took. ‘I’ve got this one,’ he said. Two wines, one beer, and a coffee, for a total of just $4.50. ‘Wow,’ our friend said. ‘I’m really going to hate to go back to the U.S., where just one glass of wine costs more than this entire bill.’” That’s how low costs can be in our #1 retirement haven for 2023!

Excellent Healthcare, Low Cost

This #1 retirement haven for 2023 is a place that offers excellent healthcare at a small fraction of what you’d expect to pay. The medical education is well-respected within this country, and many locally trained physicians take on additional studies and residencies in the U.K. and other European countries and speak English.

In bigger cities, the care is excellent and easily accessible. But even in small towns, it’s very good.

As one recent transplant put it, “I’ve found the healthcare facilities, hospitals, and doctors’ offices are cleaner, more modern, and filled with more state-of-the-art equipment than anywhere I’ve gone for medical care in the U.S. And the cost for private healthcare here is almost comical compared to the egregious costs we pay in the U.S. for insurance.

“For example, our family’s health insurance in the U.S. cost $715 a month for the three of us…we had no pre-existing conditions. [Here], we pay $225 a month for premium health insurance. When we first arrived, I needed to get seven x-rays done for my new osteopath. I walked into a local lab with the lab order (but without an appointment), waited only 20 minutes, got the x-rays, and my total bill (without insurance reimbursement or being in the public-health system yet) was only €52 (about $60 at the time). That would have cost me thousands without insurance in the U.S.”

Make It Your Part-Time or Full-Time Escape

As an American, you can stay for 90 days in this #1 retirement haven on a tourist visa, which makes visiting or staying part-time easy. But longer stays are straightforward, too. You have several good visa options, which are renewable.

That includes what is arguably the most attractive “Golden Visa” in Europe. If you have the funds, an investment of as little as $370,000 can deliver you resident status and a path to citizenship and a second passport, which can provide you and your family greater flexibility in travel, tax planning, investments, and more.

Lots of Lifestyle Options—Quiet Beaches,
Vibrant Cities, Small Towns

Mellow wines are nurtured in this country’s northern vineyards. Here the coast is warmed by the Gulf Stream, so winters are reasonably mild, with temperatures ranging from about 46-60 degrees Fahrenheit. It does rain up here, though—a little like the U.S. Pacific Northwest.

In this area, you see more local tourists than foreign—and if you’re willing to chance the weather, you’ll be rewarded by white fishing villages that offer simple restaurants serving exquisite seafood, and an interior dominated by sprawling pine forest and lush, rolling vineyards.

Values are excellent here: I just spotted a beautiful two-bedroom apartment a five-minute walk from the beach, close to grocery stores and other shops and businesses: $212,000.

This country’s central coast is one of Europe’s sleeping beauties, with rugged cliffs and coves, and whitewashed windmills, the beaches here resemble broad golden ribbons. Slumbering inland are historic castle towns, abbeys, and pilgrim shrines. Small villages come surrounded by terraced olive groves, citrus orchards, and vineyards.

Completing the picture are salt lagoons, gurgling rivers, and pine forests. White storks build straggly nests on top of church towers…springy-turf cliff-tops are scented with wild herbs…stone walls trail clouds of blue-mauve morning glory blossoms…village houses are draped in wisteria. Yet for all its beauty, it’s not uncommon around here to find seaside village properties listing from under $200,000.

Down in the south—an area once little more than a collection of sleepy fishing villages—is today a golfer’s haven and a vacation destination for sun-seekers. It keeps an average winter temperature of 77 degrees Fahrenheit. You find here yacht-filled marinas and clean, calm waters. And while there are plenty of apartments and villas on offer for $300,000 and much higher, it’s still possible to pick up a studio in a well-maintained building for as little as $145,000.

We’ll Point You to Where Your Dollars Buy You More... So You Can Live Better

The average retiree household in the US spends about $50,000 a year. Yet that doesn’t bankroll a particularly fancy lifestyle. Most folks live carefully—even frugally.

But if you carried that pot of $50,000 to the right spot abroad, you could watch it expand—like rice on a stove.

All of a sudden, you’d have more to play with. You could afford to live better: eat out a few times a week, travel, have a housekeeper to clean and even cook for you. You could, in fact, have all those luxuries—and still keep half of that money in your bank account.

Because in the best-value places, a couple can live quite well on as little as $24,000 a year.

Sure, the US is easy and convenient. But you can find the same niceties elsewhere—and spend much less for them.

Most folks don’t realize it, but life in the States is relatively expensive when you compare it to other places around the world.

Elsewhere, you can enjoy a much higher quality of life—but spend less for it.

Let me show you what I mean...

In the US, a 60-year-old spends on average $1,115 a month on a “silver” health-insurance premium. Yet you could go to Panama and get an international plan for $90 to $250 a month. You pocket the difference.

In the US, housing costs are high and rising with inflation. If you want to live a few minutes’ stroll from the beach, you’ll need deep pockets.

In California—plan on spending around $1 million, at least. Even in a small town like Newport, Oregon, a nice—but hardly extravagant—house with a view a few blocks from the shore will set you back $729,000.

Yet in Tamarindo, Costa Rica, a beautiful, 2-bed condo right in town, a few blocks from the beach could be yours for as little as $225,000. For $625,000 you could have your own furnished three-bed, three-bath villa with a private pool.

But you needn’t spend anywhere near that much to upgrade your life.

In Javea, Spain, for instance—you could own a skillfully renovated 2-story, 2-bedroom, 100-year-old village home with a water-view balcony right in the heart of town and be an easy stroll to the ocean—for just $212,000.

In Playa del Carmen—on Mexico’s Riviera Maya along the Caribbean coast—you could own a chic, fully furnished apartment three blocks from the beach, right in the heart of the tourist action, for just $140,000. Rent it out when you’re not there, and it could quickly pay for itself.

You simply get more bang for your buck in the right spots overseas. And that means you could afford to live a richer, more interesting life. You could afford to relax and enjoy yourself.

Our Global Retirement Index points you to the best places in the world to do it in 2023.

Easy, Low-Stress Lifestyle

Ultimately, this #1 pick for the world’s best place to retire in 2023 isn’t only beautiful and affordable, it’s just plain easy. You can fly there non-stop from Miami, Boston, Chicago, Washington, San Francisco, Philadelphia, and New York.

And it makes an excellent jumping off point for exploring the rest of Europe with cheap and frequent flights around the continent as well as great rail connections.

The cultural offerings are rich and varied—with hilltop castles that date to the 12^th century and chapels, cathedrals, and museums chock full of artwork. It’s home to the best-preserved European Knights of the Templar settlement, a UNESCO World Heritage site.

Renowned for its inexpensive, high-quality, and fortified wines, this country is a culinary treasure. The locals love their breads and desserts—the custard tarts are unforgettable. And with such a long coastline, fish is ubiquitous. (It’s so beloved, in fact, that it’s said there are 365 ways to prepare it—one for every day of the year.) You’ll find wonderful and varied fresh vegetables and a real appreciation for good ingredients prepared simply.

A café culture is rich and runs deep. From early in the morning until late at night, locals can be found sipping coffee at their local café. They gather to talk, read the paper, watch the ever-present television suspended on the wall, and visit neighbors at all hours. These establishments are magnets for communal watching of important sporting matches.

“We found a more relaxed lifestyle [here] than anywhere we lived in the States,” says one expat. “Parks everywhere burst with fragrant, colorful flowers, and it seems there’s a café on every corner in cities, towns, and villages. To sit outdoors and linger over coffee and pastry or a glass of wine without the slightest pressure to pay the check and move on is an emotional breath of fresh air.”

Of course, it won’t suit everybody—no place will.

And that’s ok...you’ve got lots of excellent options to consider on the 2023 Global Retirement Index.

Is Going Overseas Right for You?
Well, Consider Where You Are Today: Is This Really What You Want Your Life to Look Like?
(If You’re Ready for a Change, Keep Reading.
We Can Help.)

We’re living in uncertain times.

Inflation is making everyday living more expensive.

The stresses of the violence we’ve seen in our schools, bars, grocery stores, and more takes its toll on our psyche.

The ongoing political vitriol... a Supreme Court that seems entirely out of step with the average American... the war-time news from Ukraine... it can all be overwhelming.

And I don’t blame you one bit if you’ve thought: I need an escape plan.

If you want more peace, more control, more balance, more freedom—you’re in very good company.

And you’ve come to the right place. Because here at International Living, we can help.

Things may seem worrisome at home—but in the right places overseas, you’ll find great opportunity today.

Had It with the Pace, the Politics, the Prices? You Have Better Options Abroad

An early retirement is not only within your reach, it could be lived in style.

You could have a luxury home with a water view, afford to travel, to eat out three or four times a week, to spend your days doing what you want with people whose company you enjoy.

You could live life on your terms. And do it on a budget of as little as $24,000 a year.

Maybe you’re not ready to retire, but you crave a change.

If you’ve got the flexibility of a laptop job—what’s stopping you from taking your work-from-home income to a place where the sun shines year-round, the pace of life is slow and civil, and the cost of living is half—or even less—what you pay today?

We’ll show you the best places to go.

Maybe you’ve always dreamed of heading overseas in retirement—but you’ve been waiting for the timing to be just right.

Stop. Never has there been a better time in history to go overseas. The world is more connected than ever, and your strong dollars are putting some of the best-value locations on sale for you—from Mexico to France to Portugal and beyond.

I’d like to show you how you can embrace a more interesting, more international life starting right now. A life where you can meet new people, explore new cultures, try on new places for size.

And I assure you: That jet-set life doesn’t have to break the bank. Not when you know where to go.

You don’t even have to go overseas full-time to reap the benefits of a more fun, more relaxing, more balanced life.

What if I told you that you could own a condo on a beach or in a historic city that you could visit a few weeks or months a year (and that it could generate income when you’re not using it and pay for itself).

In the right spots abroad—the places we point you to in our 2023 Global Retirement Index—you could secure your own getaway like that for as little as $174,000.

If you have had it at home today with the pace, the priorities, the politics, the prices...the weather...

You should know: In the right spots around the world, you can afford to make the change you dream about.

You can afford to create the life you imagine in your mind's eye.

In fact, we conceived our 2023 Global Retirement Index to help you do exactly that.

We're keeping the winners a surprise.

Our #2 Finisher Offers a Simpler, Easier Life—
Close to Home

The country that takes the #2 spot in our Index this year is a place that offers what is arguably the easiest transition to expat life around.

Low-cost, conveniently close, and full of friendly locals and plenty of expats—it hands you an appealing balance of exotic foreign culture and familiar, First World lifestyle.

And right now, the strong dollar makes it a particular bargain.

“You can be on vacation every day—or at least feel like it—when you live in this country’s west-coast beach towns,” says one expat there.

It’s a place where you can live large—but do it on as little as a Social Security budget.

That’s what Rip does. He lives in the heart of a historic town on the water where he rents a 1-bedroom apartment three blocks from the beach for $800 a month. His monthly electric bill? About $19.

With prices like that, you can see how your nest egg could stretch.

Dwight, who left Santa Fe, New Mexico for an arts-rich town in this colorful, good-value country reports that, “It’s probably 35%-40% cheaper here. And our needs are fewer here, especially since we don’t need a car. Taxis are $2.50 to $3 anywhere in the city, when it’s too far to walk.

“The climate is nearly perfect, so utilities are a fraction. Taxes are a fraction.

“We have full-time housekeeping/gardening help and have become very spoiled.”

This #2 finisher in the 2023 Global Retirement Index is a place where you can trim your costs but watch your lifestyle expand.

A couple can live well—all in—for about $1,890 a month. That’s less than $23,000 a year.

Here you can employ a maid for $3 a hour.

Pamper yourself with a manicure, pedicure, and haircut...and pay less than $60.

You can eat out at a nice restaurant for $15 a person or grab a quick lunch for $5.

Accessible, Easy, and Friendly

Expat Louisa says, “We love our simple, economical lifestyle, but the low cost wasn’t what motivated us to live here.

You’re Not Crazy to Consider Life Overseas...You’re Smart

“For retirees with a sense of adventure and a taste for the good life—even if they lack a bank account to match—a change in latitude might be the perfect plan.” – Kiplinger’s Personal Finance

“If you’ve been racking your brain about where to retire on a budget, it might be time to think outside the U.S.” – USA Today

“Your dream of exploring a foreign country doesn’t have to end when your paychecks do. Leaving the U.S. can open the door to a more affordable retirement in an exciting new spot.” – CNBC

“The vitality and beauty of the streets, the thrill of learning another language and making [local] friends, the challenge of understanding a culture so different from our own...the list of reasons goes on and on.

“Every time I re-enter after time away, I see the bright colors, and I shiver with anticipation.”

Paula says it’s easy, even as a single person, to find friends and have an active social life. There are dinners out, community groups, get-togethers, and parties.

“Almost every time you go out, you meet people,” she says. “It’s really easy. People give out cards with their name, email, and phone number. I spend a lot of time with people born here, and it’s great. They’re wonderful.”

This #2 pick for 2023, close by and easy to get to, is already home to thousands of Americans.

It provides potential expats with a lot of choice—from vibrant Colonial cites to laid-back beach towns, Pacific-coast resort communities to chilled out Caribbean retreats.

And it’s an excellent option for snow birds who want to spend part of the year someplace warm.

When you’re out and about in the most tourist-friendly communities, you’ll find many of the same brands you’re used to back home—Applebee’s, TGI Fridays, Ruth’s Chris, and others.

If you can’t live without your peanut butter cups or your turkey bacon... don’t worry, you can find them both.

You can shop at Costco, and you can get U.S. television programs.

It’s easy, in other words.

And, as I mentioned, it’s a place where you really do get bang for your buck.

An Oceanview Apartment for Under $700 a Month

In a colonial-era town where Americans have been settling since the 1940s, you’ll find lots of expats in renovated homes that line cobblestone streets.

This tidy city is full of art galleries, restaurants, and shops. Here a new-construction 3-bedroom home a pleasant, 20-minute walk to the main square lists for $167,500.

It’s one of the pricier spots in the country—yet it illustrates the good values you can find.

Living a Lavish Life Overseas...on a Modest Budget

“If you live in or near the historic district, you can get along quite well without owning a vehicle,” says an expat happily settled in one town we love in our # 2 pick for 2023. “A couple could live comfortably [in this city] on a budget of $1,600 per month or less. A budget of $2,800 would allow for a luxurious lifestyle, including a spacious, Western-style home, a vehicle, and frequent meals at many fine restaurants.” –W.J. in one of the world’s top retirement havens for 2023

If you prefer an ocean breeze, palm trees, white-sand beaches, and quiet turquoise waters...you can have that, too.

In one town popular with expats, Bob and Nancy rent a fully furnished, multi-level, modern townhouse.

It has three bedrooms, a maid’s quarters, four-and-a-half bathrooms, and comes complete with beautiful landscaping, three swimming pools, and 24-hour security. Their rent comes to just under $700 a month.

“We’re about 200 yards from one of the main public beach entries. It’s beautiful,” says Bob. “Rent on a house like this in the States, so close to the beach, would be four times more than what we pay here. Our overall cost of living is about a third of what our cost of living was in the States.”

If you’re a culture-vulture, you should know: This is a land of riches.

Take advantage of the local arts scene, and you could enjoy a cultural event every night. There’s lots to do—from concerts and gallery exhibits to film series and plays—and they rarely cost more than $5 or $10 each.

Great values, comfortable climates, plenty to do... these are all part of the reason day-to-day living is remarkably easy and convenient in this country.

The lifestyle of one Canadian couple we know shows how that’s true.

Their rent—around $800 a month—includes everything: gas, electric, water, internet, even bicycles to get out and about. The only thing they pay more for is a maid, who charges $25 a day for cooking, cleaning, and taking care of the laundry. She’ll even cater dinner parties or get-togethers, spending the day in the kitchen so this couple doesn’t have to.

“It means,” they say, “that we can get on with the best job ever: Retirement.”

In Escape #3 You Have SO Many Options

But it’s just one of many options you have, frankly. You might like our #3 pick, the appeal of which one happy expat described this way, “It’s a democracy, the water is drinkable, the locals are used to expats…the electrical systems are the same, the driving is on the same side of the street, many doctors are U.S.-educated.”

Judy, another expat in our #3 country, found the draw visceral, saying, “When we saw that we could get a [water] view for less than a quarter of a million dollars, we said right away, ‘We’re in!’ It was like a dream come true.”

A native Californian, she recalls a time when regular folks could afford to live within easy reach of the beach and enjoy it as part of their day-to-day lives. But no more.

“I couldn’t afford a view in Southern California… not even for the weekend,” she says.

So she and her husband left—and upgraded their lifestyle in the process.

“Now, here I am in [the #3 retirement haven for 2023], looking out my bedroom window, and I see miles of shoreline, and mountains, too. This is gold to us…we struck gold.”

You could, too.

Many Lifestyle and Climate Options—All Low-Cost

Like Judy, you could live there on a palm-fringed coast with your own view out over the Pacific.

Or you might choose, instead, a spot tucked into a lush green valley along a stream.

Then again, maybe you’d prefer a fast-paced, eclectic city with all the cosmopolitan offerings of a thriving urban center—jazz festivals, great ethnic restaurants, museums.

Your options are varied—which is one reason we like this country so much.

And whatever might appeal to you, rest assured: It’s a place where your dollars will stretch.

“We live a life we couldn’t have had back home,” says Connie, who has happily settled in our #3 pick with her husband.

“If we were in the U.S., we’d both be working, at least part-time, and constantly worrying.”

Instead, they report, “Our stress level is 10% of what it used to be.”

In part that’s because the cost of living is remarkably low.

“For trash collection we used to pay $17 a month...here we pay $14 a year...our rent is about half what our house payment was in the U.S....a cleaning woman charges about $15 for a day’s work...

“We chose [this country] for many reasons, but primarily because we love the ocean.

“The beaches here tend to be un-crowded—unlike those in Southern California, where I grew up. The water is warm and usually clear. Hearing and seeing the endless ocean always revitalizes me,” Connie says.

In this safe, welcoming, good-value escape, a couple can live very comfortably—even lavishly—on between $1,765 and $2,890 a month, depending on where you’re based.

Slash Your Tax Bill

I Would Never Have Been So
Indulgent at Home

“I used to daydream of getting hour-long massages while listening to spa music with lavender scents wafting in the air... Then someone would barge into my office asking for financial updates or such, bringing me crashing back to reality. Well, not anymore. Now each month I go to Bodyworks, where for two hours I am stretched and kneaded into oblivion for $50...I would never have been so indulgent...living in the U.S.” – D. S. in one of the world’s top retirement havens for 2023

As expat Roberto puts it, “What I pay for taxes in one year [here] is what I paid in one month in Florida.

“That right there was a good enough reason for me to move.”

His tax bill? $1,100 a year.

Roberto and his wife retired to this country that takes the #3 spot on our Index this year, and he says their four-bedroom home, with a swimming pool and outdoor kitchen in a quiet, gated community, suits them perfectly.

“We’re 10 minutes by car from the beach,” says Roberto.

“There are five grocery stores, there’s a private health clinic, a movie house, banks, good restaurants. We have all the comforts of home.”

But it’s not just the low cost of day-to-day living and small tax bill that are attractive.

The weather is, too.

Endless Summer: Never Shovel Snow Again

From the warmth of the coast to the cooler climate in the hills, it’s easy to find a spot that suits you in our #3 pick for 2023—unless you like snow. There isn’t any snow.

“I’m a Canadian,” says Larke, a part-time transplant to our #3 haven. “I’m used to long, cold winters. But a few years back, my husband Gary and I had had enough.

“I refuse to spend my precious retirement years shoveling snow and huddled in front of my fireplace…not to mention donning layers of clothing from top to toe just to venture outside.

“And so each and every fall, we say goodbye to block heaters…snow shovels…hats, scarves, and outrageous heating bills…and head to warmer climes. We’re now a ‘perpetual summer’ couple and love it.”

Situated outside the hurricane belt, here you’re protected from vicious storms and could have your own warm-weather getaway to enjoy year-round or rent out when you’re not there to cover your costs.

Your Real Estate Dollars Stretch at the Beach, in the Cooler Highlands, and in a Cosmopolitan City

In this nation, you get a lot of bang for your buck on the real estate front.

At the beach—less than an hour from the capital—you could own a 2-bed, 2-bath condo on the 8^th floor of a luxury tower on a golf resort for $179,000.

The views are splashy—from the mountains to the ocean—and two generous balconies let you enjoy the fresh ocean air. It’s fully furnished (including granite countertops) and comes with access to the building’s gym, pool, sauna, game room, and green space. And you’re just a few minutes’ walk to the beach.

Up in the mountains, the values are just as good.

In one spot where expats have been settling comfortably for decades—they call it the Valley of Flowers—you’ll find it easy to make friends and enjoy a slow pace of life and mild weather in the 70s all year long. This lush, green region is a tourism mecca with lots of hiking, cycling, birding, coffee-farm tours, and the like.

Here you can own a new, 3-bed, 2-bath home with massive windows in a community about fifteen minutes outside of a tidy little town where expats flock for $178,000. Or own a 3-bed condo on a golf course (fully—and beautifully—furnished) right at the edge of town for $329,000.

If the vibrancy of big-city living is what you’re after—the capital of our #3 pick country will suit you well. It’s cosmopolitan, bustling, and booming. But also full of green spaces and built along a coast so you can enjoy water views for miles.

In the historic center, a palate of pastels lends a tidy vibrancy to restored colonial homes.

And this is a city where you could be out every night if you wanted to be—eating at excellent restaurants, enjoying concerts, going to the cinema.

In the heart of the capital, you can own a nice 3-bedroom, 2-bath apartment in a swank neighborhood for just $200,000.

This Nation Wants You to Come—and Makes It Easy

But perhaps the most compelling reason to consider this top-ranked haven is because it is actively courting folks just like you.

This country wants retirees to come—and they’re making it worth your while.

A special incentive program designed to woo retirees offers qualified folks discounts like 50% off on entertainment like movies, concerts, and theater. You get 30% off on bus, boat, and train fares, and 25% off on airfares (including international ones). You save 15% on hospital bills and that much or more on dental and medical visits...and the list goes on.

Plus, you’re offered tax incentives as well—yet another way to save on top of the already-low cost of living.

Excellent-Quality, Low-Cost Healthcare

Healthcare is another place where our #3 finisher shines. Many doctors speak English and are U.S.-trained. Plus the standard of care—particularly in the capital—is excellent. In fact, people travel from elsewhere to be treated there. And the low costs will blow your mind.

As Linda, an expat there, explains, “When my husband was being discharged from the hospital after a stay last year, I went to the business office to settle the bill.

“Since we have medical insurance through the hospital, the insurance manager came to the office (even though it was a Saturday), reviewed the bill in detail to verify all the insurance would cover (70%), and I paid the balance of 30%.

“This came to $3,263, including the doctors, all medications, a CT scan, and an MRI. I expect it would have been 10 times that much in the U.S.”

Spend Less, Live Better—Our Index Shows You Where

You’ve got lots of excellent options to consider in the 2023 Global Retirement Index, including our third-place pick for this year...

Often people assume they’ll have to endure huge tradeoffs when they go overseas. But in the right places—that’s just not the case.

Naturally, we’re really excited about our #1, #2, and #3 picks this year.

But, in fact, they are just three of the 16 top overseas retirement havens we compare, contrast, rank, and rate in our 2023 Global Retirement Index—our 32nd annual index.

“Spend less, live better” is a philosophy you can embrace all around the globe—when you know where to go. And our Index will show you.

Southeast Asia’s Low-Cost, Luxury Paradise

It’s not only Europe and Latin America that offer great options for safe, friendly, warm-weather, good-value living.

Southeast Asia may surprise you with the options you have there for high-end living at remarkably low prices.

It’s the world’s hidden lap of luxury.

“It’s like Hawaii, only easier,” says Sam, who’s originally from California.

Or, as another resident expat put it, “You can get away from it all…find a quiet beach and enjoy the surf or sunset…or you can join any form of entertainment or adventure, from zip-lining to chartering your own sailboat.”

In a compelling Southeast Asian country that appears on our 2023 Global Retirement Index, lots of new and interesting developments are underway—making this pick even more attractive than ever.

Expand Your Life, Trim Your Costs

Retiring overseas isn’t about being frugal and shrinking your life in retirement—as it is by default for so many people at home these days. Living abroad, it’s the opposite. It’s about expanding your quality of life—often exponentially—while you slash your cost of living.

“Life [overseas] feels like a dream—but one I don’t have to wake up from,” says Erin in one of the top retirement havens for 2023.

“The climate here is awesome...a cool breeze flows through the valley where I live, never allowing the temperature to get too high. I live in a house without air conditioning or heat and enjoy the fresh breeze as it wafts through an open window or door. Back in the States I suffered from allergies. Here they have almost entirely disappeared.”

In one spot there that’s worth your attention, expats rave about the low costs and high quality of life.

As Michelle pus it, “[This town] combines the best of everything—beautiful beaches, fantastic food…the seafood is the freshest I’ve ever eaten.

“Best of all? the cheap cost of living... cocktails for $2.28 and mouth-watering dishes for as little as $1.63.

“Everything you need is here, including coffee shops, shopping malls, and all the other necessary Western conveniences.”

Yet it’s an incredibly good-value place to live or spend time. On a monthly budget of between $1,596 and $1,914 (housing included) a couple can live very well.

In fact, prices are so low, you may do a double-take.

I know I did when I saw a gorgeous, furnished 3-bedroom home with a pool and ocean views that rents for just $830 a month.

High-speed internet costs about $30 a month. You can employ a housekeeper to clean for you once a week and pay $64 at the end of the month, total.

And, as I said before, this spot makes more sense today than ever.

For starters, a new visa makes it MUCH easier to go and stay—for as long as a decade at a time.

This nation is taking a decidedly friendly stance toward expats—rolling out the welcome mat.

And it’s hard to beat the benefits once you step across that border.

In big cities you’ll find everything you could want or need—a wonderful mix of old Asia and super-modern Asia.

This country’s medical system ranks among the best in the world.

Plus this nation’s geography offers everything from quiet, secluded island beaches in the south... to mountainous, jungle zones up north... to hilly, central highlands where you can trade summer heat for cooler days.

As one happy expat puts it, “The lifestyle here is vibrant, friendly, and rewarding. There is no way I could afford to get out so much if I didn’t live [here]. I can afford to go out every day, enjoy golf, lunches with other expats, and enjoy many local events. You can’t help but feel very alive here.”

So Many Places—and Ways—to Enjoy a More International Life

This year’s Global Retirement Index reveals a tremendous variety of retirement solutions for somebody looking to live better for less overseas. We rank, rate, compare, and contrast 16 countries worth your consideration today.

Maybe you’re in the market for a part-time escape…or maybe you’re looking for a full-time adventure…perhaps you dream about a day when you can see the ocean out your window… or live within sight of the mountains in a place where the sun shines and the weather is cool…

Whatever you dream about…in the destinations profiled in our 2023 Global Retirement Index…you could find a new reality. A lot sooner—and a lot more affordably—than you may imagine.

To that end, let me give you a little assignment...

The decision about where you live is not always readily subject to logical analysis. Ultimately, it’s about where you feel good. It’s about finding the place that’s just, well, a good fit.

What Does Your Ideal Retreat Look Like?

So here’s a little task for you. You start imagining your ideal retreat.

And while you’re busy musing…we’ll sort out for you the “logical” concerns. Like where your dollars buy you most…where the weather is best…where the locals are friendliest…where it’s most comfortable and safe…where the healthcare is both excellent and affordable…and more.

In fact, we’ve just spent the past few months concentrating on exactly this task.

Our staff has been crunching statistics, and talking with our contacts and correspondents around the world…all in the interest of compiling our annual picks for the world’s top retirement havens.

In an era when most news outlets have slashed their budgets and cut their overseas bureaus...and at a time when it’s harder than ever to ferret out the truth...we put our 2023 Global Retirement Index together “the old fashioned way.”

That is to say: We put boots on the ground...just as we have each of the last 32 years we’ve published this country comparison.

We spend, in fact, more than $1 million a year to keep our people in place overseas, reporting back with real-world, up-to-date recommendations and guidance. This is not compiled by Google search, in other words. What we do is real. We take it seriously. We verify.

Is Global Retirement Index subjective? You bet. We rely on the informed judgment and real-world experience of in-country expats…folks just like you who have made the move and learned all their lessons the hard way.

They live in the countries they’re an expert in. And they’ve been there long enough to get under the skin of their host nation and provide us with real understanding about what it’s like to live there.

When it comes right down to it, only you can decide what will make you happy.

But we can point you to the places that are likely to suit you best and save you the trouble, time, frustration, and expense of trying to figure that out on your own.

Here at International Living, we’ve been showing readers where to go for more than 40 years now.

And we’d like to show you, too.

For the next three days, we’ve got a special offer on the table that gives you full access to our 2023 Global Retirement Index—FREE—when you join me as a member of International Living.

One big idea drives everything we do at IL, our belief that you don’t need to be rich to enjoy a pampered retirement…you just need to know where to go.

In our 2023 Global Retirement Index, we show you.

The Best—and Easiest—Way to Target Your Search for the Perfect Paradise
(FREE Today with This Special Offer)

In the 2023 Global Retirement Index, we consider each of the top 16 retirement destinations in a series of categories: housing, visas and benefits, climate, healthcare, cost of living, and more.

And we include a full report on the top picks.

This resource gives you a detailed, well-rounded view of each place.

And we don’t give you just the facts. We share on-the-ground insights, perspective, and context—so you understand what it all means.

And that’s what’s so important. Because everybody is different. And what’s a priority for you might not be for somebody else.

Say you’re of “retirement” age and looking for a place to stretch your savings. You like the idea of a European getaway—combining the cultural offerings with a lower cost of living and a slower pace of life. The availability of good-quality, affordable healthcare might be a top concern. Our #1 pick this year might well be your best bet.

On the other hand, if you’re in your forties with school-aged children, their education and the ease with which you can do business locally might be more important to you. Our #3 pick might make more sense.

Or maybe you’re in the market today for a place you could visit regularly for now and perhaps retire to eventually...so you’re looking for a spot that’s easy to get in and out of, where the weather is good, and a place where you could easily rent your place out when you’re not there. Our #2 finisher might be just right.

No matter what your own personal priorities are, you can use our 2023 Global Retirement Index to easily home in on the places that make sense for you and your situation.

It is a powerful tool.

And it’s yours, FREE today, when you join me as a member of International Living through this special offer.

Real Estate Can Beat Inflation—But What You Buy Matters

At International Living, we show you how—and where—to find the best buys in markets poised to boom. “Inflation will continue to be a scourge for some time to come. But more than ever, right now there is opportunity to put your money to work in vibrant overseas markets. You can do this by buying undervalued assets and locking in super-strong income and appreciation potential.

“Buying at a low price is step one in locking in incredible yield potential. Buying something with huge appreciation potential is key to building wealth over the long term.

“For me, real estate offers the perfect path to freedom—both financial and personal. Whatever is going on in the world, or however bad inflation may get, it gives you the freedom to go where you want, when you want, and create profit while you do it.” –Ronan McMahon, Global Real Estate Expert and Contributing Editor, International Living

Guidance and Hand-Holding from Expats and Experts

But out big, annual Retirement Index report is just one benefit.

When you accept my invitation to join International Living today, you also become part of a community of like-minded people.

You’ll be plugged in alongside me and my colleagues to a network of expats and experts based all over the world.

They’re on the ground in places like Portugal, France, Italy, Malaysia, Mexico, Belize, Thailand, the Czech Republic, Costa Rica, Ecuador, Panama, Colombia, Uruguay, and beyond...

And they’re on a mission to help you explore your best options overseas.

I think of International Living as a sort of “underground network” for people like you who are intrigued by the idea of living a more international life and who are ready to explore the opportunities that are waiting in the right places overseas.

For more than four decades now, folks like you have relied on International Living’s guidance and strategies to save money, make money, travel better, retire sooner, live richer, and enjoy life more overseas.

IL Makes Me Feel Prepared

“I love [International Living]! Each month I get in-depth, boots-on-the-ground reports of different cities and countries that are friendly to expats. This sure helps to narrow down the list of places to check out for retirement as all the 'noise' out there can be overwhelming. In addition to the magazine, I signed up for the Lifetime Membership and haven't regretted it - great books, reports and resources available to me. I'm beyond excited for my retirement journey and, with International Living, feel really prepared for my travels/move.” –D.F.

IL Is the Reason I’m Living My Best Life

“International Living is the reason that I am on a wonderful journey overseas, living my best life. It all started when I was laid off at the age of 61 and couldn't find another job. I had no idea what to do, until I read about IL. ... I am so glad I made the move. The information from IL was invaluable in making this happen.” – D.L.

IL Changed My Life

“International Living actually changed my life. Thanks to their publications and information, I am happily living in France realizing my dream. I have attended conferences and met amazing people who are quite enthusiastic about their experiences living abroad...this all thanks to IL!” – A.L.

You Deserve a Better, Earlier Retirement

We’ll Show You How to Get It

You deserve to retire with confidence. Yet that’s something very few folks can do in the States these days.

In the right spots abroad, though, you could.

You could enjoy the peace of mind and comforts that are hard to come by at home today…

You could join the ranks of our members who have taken advantage of the overseas opportunities we’ve shared and, today, have their nest eggs tucked away in a beachfront home or in a cosmopolitan escape in a booming market...

...people retired like royalty on a Social Security income...

...people living comfortably in a beautiful, safe, slow-paced retreat where they’re earning a portable income in the mornings and enjoying a relaxed lifestyle in the afternoons...

I’d like to help you follow in their footsteps.

When you join International Living today, you’ll receive our 2023 Global Retirement Index, FREE.

But that’s just for starters.

I’ll also send you a whole collection of valuable extras via email, including our monthly publication, International Living, delivered online.

It’s the tool we’ve used for the last 43 years to keep in touch with our family of like-minded folks and to share all the great ideas the experts and expats in our network are finding all around the world.

You see, I want you to understand all the possibilities you have for improving your lifestyle overseas—for spending less but getting more.

In the newspapers and on TV, you get lots of political posturing...and lots of discussion about the woes we face…but what you rarely learn is what to do about any of it. I don’t mean “macro” fixes.

I’m talking about what you, personally, can do to improve your life, retire better, retire earlier, save on taxes, gain freedom and control, and travel more…even if you have only a modest nest egg (or no nest egg at all).

Opportunities You Won’t Find Out About Anywhere Else

Each month, in the pages of International Living, we keep you up-to-date on the latest opportunities and we share solutions like...

Tax-saving tips for the seasonal U.S. expat… How do U.S. taxes work for people who spend part of the year abroad? We explain what you need to know…
How—and where—to get settled as a single overseas and why it’s a lot easier than you might think…
Where to get a second passport—and gain the security of greater travel flexibility—without having a pile of money or a parent who can pass citizenship down to you.
Property bargains in secret spots and underrated escapes all around the world, like a medieval country village home in Sulmona, Italy (40 minutes from Rome) for $111,000... a renovated colonial gem in the UN World Heritage City of Cuenca, Ecuador for $115,000... or a cute cottage on the Caribbean island of Roatan for just $137,000.
An easy way to slash your travel costs by half—or even more. One of our writers used this secret to get seven days in Mexico at a swank resort—for $1! YES, a dollar!
Smart escapes for troubled times—safe spots where you can ride out disasters, crises, and pandemics...spots where you can afford to unwind and tune out the real world for a while.
How to stay for free overseas—and live the expat lifestyle without ever buying or even renting a home if you don't want to. This is a powerful strategy for lowering your costs and a great way to travel for weeks and months at a time on the cheap.
Big trends and real estate opportunities for 2023—how and where you could own (on the cheap) in a place poised to boom and have a property you can enjoy that pays for itself.

... and lots, lots more.

The Authority on Global Retirement

When it comes to overseas guidance like this, you won't find a more well-respected source than International Living.

Forbes said, “International Living (IL) is the go-to source for anyone looking for solid information on retirement relocation in other countries. ... For people who are intrigued by the idea of settling outside the U.S. borders, it is a treasure trove of information.”

The Miami Herald called International Living “the authority on global retirement.”

When you join me as an International Living member today, we’ll give you immediate access to our 2023 Global Retirement Index—FREE—and make sure we keep you up-to-date with the best opportunities from around the world in our monthly magazine.

But that’s not all...

Bonus # 2
5 Smart Ways to Travel the World and Pay Next to Nothing

When you take me up on this special offer today, this second report is yours FREE, too.

5 Smart Ways to Travel the World and Pay Next to Nothing pulls back the curtain and shares travel secrets you just won’t find out about anyplace else.

Parlay your curiosity about a new place into free room-and-board all over the world. You could help grow flowers and tend chickens in Ireland, attend to horses and olive trees in Greece, make goat cheese in Mexico, save turtles in Costa Rica, lend a hand at a monastery in France, and more.
Test-drive life overseas and live like a local—it’s like Airbnb, only free! You have a place to stay at no cost and you can do things like pop into the pub... enjoy dinner with the neighbors... catch a show... shop at the market... try a place on for size, rent-free.
Connect with locals and expats on the ground and make new friends from France to Peru, India to Spain—have a coffee with somebody who shares an interest... stay with a local family for a few nights... meet up with somebody on the ground for travel guidance and recommendations—it’s all at no charge.

I said it earlier: You don’t have to be rich or famous to live a jet-set life, you just have to know the secrets. We reveal some of the best of them in this Special Report, delivered immediately via email. It’s yours FREE when you become a member of International Living today.

Plus that’s not all...

Bonus # 3
The Second Passport Report

I’m including a third special bonus for you, too.

It’s a unique resource called The Second Passport Report. You may already qualify for a second passport and not even realize it. In fact, as many as 40% of Americans do.

It’s perfectly legal to hold a second passport. And there are benefits to doing so. If you like the idea of retiring in Europe, for instance, a second passport makes it

easy—and allows you the flexibility to travel widely and stay there as long as you like. Plus, a second passport can allow you to save significantly on your taxes...

Plus, this report explores pitfalls to watch out for and hands you a how-to guide for getting a second passport of your own. A second passport could, depending on your circumstances, help you avoid that “Yankee go home” mentality, and give you a legacy you could pass to future generations, too.

The Second Passport Report is yours FREE and delivered immediately via email with this special offer.

Save More than 60% When You Join International Living Now

A one-year membership in International Living comes at a regular price of $129.

But when you join right now, I’ll shave off more than 60%, bringing your membership to just ~~$129~~ $49.

I want to help you take advantage of the opportunities out there in places like Portugal, Costa Rica, Spain, Panama, Thailand, Uruguay, Italy, and well beyond...

And I want to make it easy for you to live a richer, fuller life—while you spend less.

With This Special Offer Today You’ll Receive All of This

So let me recap.

You’ll receive our Global Retirement Index 2023—and more—FREE with your International Living membership today...

Bonus # 1: Global Retirement Index (value: $99, yours FREE)
Bonus # 2: 5 Smart Ways to Travel the World and Pay Next to (value: $29, yours FREE)
Bonus # 3: The Second Passport Report (value: $29, yours FREE)

This digital Retirement Index Bonus Package is valued at $157.

But it’s yours for ~~$157~~ FREE—with your deeply discounted International Living membership today.

Plus, you’ll also get...

International Living magazine delivered digitally for 1 year, 12 monthly issues (value with membership: $129, included)
Full access to the members-only website and magazine archive (included)
Premium IL Postcards e-letter (included)
IL’s weekly Digest e-letter for members only (included)
IL’s weekly Podcast: Bigger, Better World (included)

If you’re ready to know the shortcuts and make the connections that can help you enjoy a richer, fuller life...while you spend less—we’re here to show you exactly how it’s done.

Our Good-Will, Good-Value Guarantee

Now, what happens if you sign up today and then decide an overseas retirement isn’t for you, after all?

No problem. We offer a generous guarantee.

I feel confident you'll agree that International Living delivers you a world each month that you just can't find anywhere else.

I know you'll be impressed by the wealth of guidance and helpful connections you’ll gain once you’re plugged into our network of experts.

And I feel sure you’ll appreciate the research and on-the-ground insights we include in all our International Living resources.

But, once you’ve had a chance to look through everything, if you decide the recommendations and solutions we share about how to move out of the US, live better for less overseas, make money, save money, and travel better aren’t for you after all—no problem.

Just let us know you’d like to cancel within 30 days via phone or email, and we’ll immediately take your name off the member list and send you a refund. No fuss.

No matter what you decide, your Global Retirement Index Report—PLUS the rest of the bonuses in this special collection—are yours to keep. Our way of saying thank you for giving the ideas we’re so passionate about your consideration.

Before 2023 Is Out, You Could Be Living Large

An international lifestyle isn’t just for the wealthy and the well-connected.

It’s for anybody willing to take advantage of the best-value opportunities in welcoming communities around the globe.

And it’s our mission at International Living to help you do just that.

With our brand new 2023 Global Retirement Index in hand, we can help you find the place that makes the most sense for you…

Whether you’re looking for a friendly, good-value city…a beach town…a highland retreat…an historic colonial community…or a lakeside getaway…we can point you to your best options on the planet today.

If you rely on the internet for intelligence about retiring, investing, or living in any number of good-value escapes around the world—you’re going to find a lot of information out there. But much of it is outdated, incomplete, or just plain wrong.

That’s why we asked our experts based around the world to help us put our 2023 Global Retirement Index together.

Because what you really need is the full, reliable story. Not just facts and figures, but advice about what to do with them.

And that’s what we deliver.

Click the "Add to Cart" button to activate your membership today with this special, limited-time offer that includes the 2023 Global Retirement Index and your additional bonuses, good for the next three days.

Sincerely,

Jennifer Stevens
Executive Editor, International Living
December 2022

P.S. Seeking out your own dream life overseas in a place where you can live comfortably for little…investing ahead of the crowds and potentially profiting from the upswing…

What those ideas have in common is good value.

Nobody wants to pay more than they have to—for anything.

I know I don’t.

And that’s why we’ve created this specially discounted welcome offer for International Living that includes the 2023 Global Retirement Index—and lots more.

Click the "Add to Cart" button now to take advantage of it, and we’ll help put you on the path toward a place abroad that’s just right for you. But don’t wait. This offer comes off the table in the next three days.

The Passport Book

Wed, 23 Feb 2022 12:14:30 GMT

IMPORTANT INFORMATION FOR ANYONE LOOKING TO MOVE ABROAD, FROM THE OFFICE OF JACKIE FLYNN, PUBLISHER, INTERNATIONAL LIVING

Why You Should Have a
Second Passport:

Here are 7 Doors it Can Open for You...

ALL NEW AND UPDATED FOR 2022: If you’re considering an overseas retirement or you’re at all concerned about freedom, personal safety, privacy, and protecting your financial assets, this all-new 751-page best-selling (and yes, controversial) book—written by a former U.S. Congressman—belongs in your library.

Get Yours Now at a Special Discount.

Dear Reader,

If you don’t already have a second passport, why not? It may be the most essential tool available to you in today’s world—because it gives you options. It opens doors that might otherwise be closed to you.

This is especially important today, as we have seen over the last two years when so many countries closed their borders.

As you know, beginning in 2020, the European Union blocked the entry of U.S. citizens for over a year. Most are now reopened to visitors, although with some restrictions in place, such as proof of Covid-19 vaccinations or a negative test prior to entry.

But what if you had needed to travel to Europe while entry restrictions were in place?

If you were not considered an “essential” visitor (a diplomat, humanitarian worker, etc.) you were out of luck.

Unless, that is, you hold a second passport from an approved nation.

Just over two years ago, no one could have seen this coming. But here we are.

If we have learned anything, it’s that anything can happen. That’s why it’s so important to be prepared.

There has never been a more important time to have a second passport.

If you appreciate the importance of being able to travel more freely...without expensive or hard-to-get visas...being able to retire overseas more comfortably, buy overseas property free and clear...and once and for all, protecting yourself and your family from political and economic turmoil...it’s time to investigate your options.

Having a Second Passport is Your Right. And It Is Completely Legal

The U.S. was built on a foundation of freedom and personal liberties...unalienable rights that seem to be slowly eroding more and more every day.

If this concerns you—as it should—there’s one certain way to protect your privacy and distance yourself from overly extreme government regulations. And that’s with a second passport.

It is your right to have one. According to the U.S. Supreme Court, it is fully legal for a U.S. person to hold two or even more citizenships.

A second passport offers many benefits. Best of all, you may be able to pass on any citizenship rights you have to your children. And you can sidestep some very serious consequences that no one tells you about until it is too late.

There are other reasons, too, to hold a second passport. Most people don’t realize it, but the U.S. denies or cancels existing passports of its citizens every day. Delinquent on your taxes? Behind on your child support? Depending on your situation, your passport can be cancelled.

Another thing you may not realize is that your passport doesn’t actually belong to you. It belongs to the government. And it’s their right to take it. In 2018 alone, the U.S. government cancelled somewhere in the vicinity of 362,000 passports. (Due to the pandemic, 2019 and 2020 numbers are unavailable.)

The government can revoke or deny your passport if you owe a legally enforceable tax liability of $52,000—including tax, penalties, and interest. Or if you owe $2,500 or more in child support.

I’m not sharing all this to scare you. To the contrary. Because although you never know what might happen in today’s chaotic global financial and political climate, the good news is that right now you have one essential “self-protection” option.

A Second Passport is Your Ultimate Insurance Policy and the Key to Opening These 7 Doors:

It hands you more options to travel freely. While it’s true that U.S. passport holders have (until recently) always been able to travel easily to many countries, there are some that require you to get sometimes-difficult-to-obtain and often-costly visas, such as China, India, Vietnam, Venezuela, and many African and Middle Eastern countries. By contrast, some Asian and European countries offer the strongest passport options for visa-free travel. In the 2022 Passport Index, the U.S. ranks behind 15 countries, such as Singapore, Japan, Germany, South Korea, and more.
You have more opportunities for global investing, banking, residence, and doing business. As you may know, thanks to increased IRS scrutiny and reporting requirements, many global financial institutions shy away from opening accounts for U.S. citizens—problems you won’t encounter with the proper second passport. It can virtually open the door to a world of international investment and income options that are off limits to you now.
You can avoid foreign policy stigma and “Yankee Go Home” mentality. For good or bad, the U.S. has a reputation for meddling in the politics and policies of other countries, and at times, this could make you a target for bad intentions. Carrying a passport from a neutral country can increase your peace of mind and sense of safety and security.
Should your current passport ever be restricted or revoked, you’ll have options. I’ve already shared some of the reasons your passport can be seized. Again, having an alternative ensures peace of mind. You will always have another place to call home.
You will have the legal right to live and work in another country. If you’ve done any research about your options to gain legal residence and/or be able to legally work in another country, you know how difficult...impossible even...this can be. Having a second passport can take this issue off the table. An EU passport is particularly valuable, giving you the legal right to live and work in, as of now, 27 member countries.
Tax benefits. You may know that the U.S. taxes its citizens on worldwide income, no matter where in the world you live. Though a second passport won't guarantee you pay less taxes, getting one is a step toward potentially lessening your tax burden.
It’s a legacy you can pass on to future generations. You may be able to pass on any additional citizenship rights and benefits to your children and grandchildren. By giving them citizenship in the best countries possible, you can help ensure they have a better life and increased opportunities. For example, many countries provide FREE university educations to its citizens.

Note: Right now this last issue may be most important. As we have discovered during the pandemic, having access to a safe destination where you can take your family is priceless. People around the world have found themselves stuck in their countries of residence, subject to government decisions they may not agree with and often at the mercy of weak healthcare systems.

Bottom line...

A Second Passport is the Ultimate Insurance Policy That Guarantees Protection, Privacy, Freedom, and More

AND THIS DEFINITIVE BOOK—NEWLY UPDATED FOR 2022—SHOWS YOU HOW TO GET YOURS.

It’s better to be prepared than to seek a solution once it’s too late. That’s true of anything that has to do with your well-being, and especially when it comes to your financial security and safety. So let me suggest that you start now to put your plan in place.

Now I do want to make clear that getting a second passport can be time consuming, and your success will depend on your personal situation—such as where you want to live, how long you want to live there, and your ancestry.

This is the 13th Edition of The Passport Book, Now With an Additional Focus on Overseas Retirement

There’s no other book out there with the breadth and depth—and the history—of The Passport Book, first published in 2000. This 13th edition includes analysis of passport and visa options offered by the world’s best retirement countries and comes complete with current contacts details useful to potential retirees and overseas home hunters.

But if you plan to spend a long period of time living in another country, or own property in a different country, or have ancestors from another country, you may have an advantage.

Each country is different, with its own path to citizenship, and hurdles to overcome.

But that’s exactly what THE PASSPORT BOOK: The Complete Guide to Offshore Residence, Dual Citizenship and Second Passports will do for you: Completely updated for 2022, it will help you determine your best options and guide you through the steps to take to obtain the best second citizenship for you.

It’s written by Robert (Bob) Bauman, JD. After earning his degree from Georgetown University, he practiced law and became a Member of the U.S. House of Representatives in 1973, where he served until 1981.

Former Congressman and offshore banking and citizenship expert Robert (Bob) Bauman has had his work featured in The Wall Street Journal, The New York Times, the National Review, and more.

His position in Congress took him on trade and diplomatic missions around the world—from Beijing to Panama and points in between.

As Legal Counsel to International Living and other publishing companies, he has led offshore banking expeditions to dozens of countries on five continents. He is a sought-after advisor, author, and lecturer on many aspects of wealth protection, offshore citizenship, and international residence.

Bob remains a firm believer that the United States can continue to be one of the best countries in the world, but he also embraces the sad-yet-undeniable fact that the American way of life has deteriorated over the past 60 years. And the pace of decline and the erosion of freedoms is now accelerating,

That’s why he wrote THE PASSPORT BOOK—to help you understand the options that exist for living with the liberties, rights, and opportunities you deserve.

It’s one of the heftiest volumes in our library here at International Living—and I mean that in more ways than one. Not only is jam-packed with information, tips, advice, and recommendations you won’t find anywhere else, but it also weighs in at 751 pages.

It is the quintessential and definitive guide to offshore residence and second citizenship. In fact, I challenge you to find anything like it. And while you may find older editions of THE PASSPORT BOOK out there, this special offer for this brand-new hot-off-the presses edition is only available here now.

Click the “Add to Cart” button to reserve your copy today.

Here’s a Small Taste of What’s Covered in
THE PASSPORT BOOK:

You can’t find this kind of information anywhere else, and believe me I’ve looked. Certainly, you won’t find the kind of details...the secrets to the second passport world, the reasoned and experienced advice, the tips that will save you money and headaches...that you’ll find in this comprehensive “field guide.”

Here’s a brief look at just some of what’s covered:

You’re Not Alone in Searching for That Second Passport

Global citizenship advisory firm Henley & Partners reports that interest in Citizenship Investment Programs (CIPs) jumped more than 46% each month since the pandemic began. And they’ve seen a whopping 208% increase in interest from Americans.

“We’ve always had clients out of the U.S., but more recently, it’s by far our single biggest jurisdiction of new clients. It’s bigger than any individual emerging market,” says a Henley spokesperson.

The various (and best) ways to acquire a second or even third citizenship
The quickest and easiest ways to obtain an EU passport that allows you to live and work permanently in any of the 27 European Union countries.
The offices to contact with questions about all passport and citizenship documents.
The two strikingly beautiful Caribbean island nations that offer to sell you a quick path to citizenship (if you can foot the cost) and visa-free travel to 156 nations, strict banking privacy, and 0 taxes on personal income. (page 196)
How making a $100,000 contribution to an infrastructure program could get you a valuable passport that allows you British Commonwealth citizenship and visa-free travel to more than 141 countries and territories, including the UK and Hong Kong. (page 132)
And much, much more…

Importantly, you’ll discover why you should want...and, in fact, may need...a second passport in the first place, and you’ll be pointed to the best countries (including for fastest and easiest procurement) to apply for and obtain citizenship.

And if you have a specific country in mind where you’d particularly like to live, work, or invest in the future, you’re sure to find all the information you need. The book offers detailed coverage of the immigration process, rights and obligations of 82 countries!

Some of the Best and Easiest Places to Obtain Citizenship

As I mentioned, there are plenty of countries to consider for your second citizenship. It really depends on your personal situation...your motivations and future plans. THE PASSPORT BOOK is designed to help you focus and direct your energies productively, and to see what is realistic for you and your situation.

You may be considering an overseas retirement, in that case, you’ll be delighted to hear that some of the best countries to retire to also are some of the best countries from which to obtain full citizenship:

Ensure Your Safety and
Security Now

In 2020, more than 91% of the world’s population was living in a country with wide-reaching travel restrictions because of the coronavirus. That’s according to the esteemed Pew Research Center. Unfortunately, that could happen again at any time. A second passport gives you options you otherwise wouldn’t have.

Spain, Ireland, Italy, and more. There are a dozen countries where you can get a second passport by bloodline...by showing that your parents, grandparents, or in some cases even great-grandparents were born in or were citizens of these countries. And remember, with an EU passport, you can more freely move about and live in any EU country. (Explained in Part I and detailed in individual county chapters)
Panama. Start with a very easy-to-obtain residence visa and in 5 years, you can apply for citizenship. You don’t even need to spend significant amounts of time there while you go through the process. Plus, Panama is a great place to live or retire, with a very low cost of living. In Ecuador, Belize, Mexico, Uruguay, and other top retirement destinations, it takes a similar amount of time to qualify for citizenship.
The Caribbean. Many of these island nations offer citizenship for a hefty investment. So do the islands of Cyprus and Malta in the EU.

THE PASSPORT BOOK: The Complete Guide to Offshore Residence, Dual Citizenship and Second Passports spells out what you need to know and puts you on the path to getting the second passport that’s best for your personal situation.

Order Now and Get THE PASSPORT BOOK
for Just $79!

Even if your eventual goal is to simply travel overseas, you’ll want THE PASSPORT BOOK in your library. If, though, your future plans include living, investing, or banking overseas, you must have this book.

I’ve already touched on some of the critical and time-sensitive intelligence that Bob shares in this important book. Here are a few more specifics:

The difference between citizenship and residence status...what “naturalization” means...and the important issues to consider when acquiring a second passport. (page 16)
Which countries require you to renounce your citizenship when applying for dual nationality and which do not. (The U.S. does not require this, as affirmed by the Supreme Court, page 21)
The country that’s ranked (as of 2021) as having the world’s best economy, along with one of the strongest currencies, a transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates. (page 606)
Two countries that offer particularly attractive fast-track residency and citizenship programs and a low cost of living for retirees on a fixed budget. (page 138, 320)

In fact, to that last point, this newly-updated-for-2022 version of the book focuses on the world’s best retirement destinations, including affordable quality healthcare, personal safety, low taxes, and more.

As author Bob Bauman says, a second passport in one of the world’s best retirement havens “may entitle you to special benefits, tax breaks, discounts on healthcare, prescription drugs, and lower prices for travel and entertainment.

“Those who make the effort to qualify as citizens of their chosen retirement country find greater acceptance and respect from locals, plus the full government benefits enjoyed by their local neighbours.”

If you’re looking to retire overseas, that’s an additional reason to add this book to your research library.

FAST REPLY BONUS: Order NOW and We’ll Send You This New Special Report—FREE

We’ve put together an exclusive International Living report, called The Offshore Manual: 100% Legal Secrets for Less Tax, Greater Freedom, and More Wealth (value $29).

That title is a mouthful, for sure, but it pretty accurately describes what you'll find in the report. In it, you'll discover how you could protect yourself against prying eyes...expand your opportunities for travel, to live overseas ...increase the spending power of your retirement nest-egg...and so much more.

This report is the perfect complement to THE PASSPORT BOOK and will help you even more as you formulate a plan to ensure that no matter what happens at home, you and your family and everything you’ve worked so hard for will be safe and secure.

To get it into your hands as quickly as possible, we’ll send an electronic copy of the report to your email inbox as soon as we receive your order for THE PASSPORT BOOK.

(In fact, in addition to putting a printed copy of the book into the mail to you, as soon as you order we’ll also rush an electronic copy of the book to you.)

Unavailable anywhere else, this special report is yours FREE when you take me up on my offer today.

Your No-Questions Asked Satisfaction Guarantee

If you decide, for any reason, that the information revealed in THE PASSPORT BOOK: The Complete Guide to Offshore Residence, Dual Citizenship and Second Passports isn’t for you, just return the book to us within 30 days and we'll issue you a refund. No questions asked. Your special bonus report is yours to keep.

To be clear: this offer is good for a limited time.

You get: A copy of THE PASSPORT BOOK: The Complete Guide to Offshore Residence, Dual Citizenship and Second Passports both electronically and mailed to your doorstep, value $79.

Plus, you immediately get an electronic copy of The Offshore Manual: 100% Legal Secrets for Less Tax, Greater Freedom, and More Wealth, value $29, yours free today.

Altogether, you’re getting $108 of value for just $79. But you must order now.

Simply click the “Add to Cart” button to reserve your copy today.

Consider… All those doors to opportunities you’ve been dreaming of… With this book in hand, they’ll all be opened to you…

Just click on the Add to Cart button to reserve your copy at today’s discounted price of just $79. This is the most IMPORTANT book currently missing from your personal library… But you can fix that right now.

This is the best step you can take, right now, to ensure your future.

Sincerely,

Jackie Flynn
Publisher, International Living
February 2022

P.S. If you’re intrigued by the idea of protecting your family’s safety and security, shielding your wealth and diversifying your investments outside the U.S. and outside the dollar...of living better for less overseas in the future...and/or you’re interested in creating real, lasting, multi-generational wealth...

THE PASSPORT BOOK is the resource you need to help you make sense of the ever-changing landscape of immigration, global banking and investing, privacy and security issues, and more.

I’m making it available to you now, for a limited time, at the steepest discount we offer.

Remember, to get this critical information into your hands as quickly as possible, you’ll get electronic versions of both the book and the special report as soon as you place your order.

As soon as the printed copies are delivered, we’ll put one in the mail to be delivered to your designated delivery address.

Order now and save. And remember, your satisfaction is guaranteed. If you believe this book isn’t all that I’ve promised, just send it back within 30 days and we’ll refund your $79. Your special bonus report is yours to keep, no matter what.

The Dream Retirement Project

Wed, 19 Jan 2022 14:56:46 GMT

Get in Line Right Now for…

The Dream Retirement Project

Get Your Own Roadmap to an International Life

So You Can Enjoy More, Spend Less, and Live
Better…Whether You Long for a Full-Time
Escape, an Annual Summer Adventure,
or Anything in Between

Dear Reader,

Jackie Flynn here, publisher of International Living.

I'd like to invite you to participate in a special project that hands you a quick, easy, fun way to embrace a richer life overseas.

It's a tried-and-true way to put a truly resilient retirement plan in place, so that you can withstand the ups and downs and the unexpected—and still enjoy the comforts of a good life.

It's really only suitable for a small number of our readers, but I'm talking about it here because I believe you may be among those who qualify.

Over the last few years, we've “trial-run” this project with a limited number of subscribers to great success.

Now, we’ve just updated and expanded it—and we'd like to open the door to a few more savvy folks, you among them…

That's why we're inviting you to join what we call The Dream Retirement Project.

It effectively gives you your own “go-overseas mentor,” making it easier, faster, and more straightforward to figure out your best path abroad.

I'll explain what it's all about in a minute.

But I should say up front here, first, that this is not something we'll "advertise" widely.

So if you'd like a chance at being one of the select few who benefit, stick with me here for just a few minutes, and I'll fill you in on all the details.

For starters, a quick question…

What would you do if you could spend your time any way you like?

No commute, no crazy boss, no long hours in the office…no cold weather, no winter coat…

Just you enjoying days that look the way you want them to look…in a place where you love to spend time.

Maybe you'd read lots of books—or write one…sail…paint…fish…learn a new language…golf…dive…travel for weeks or months at a time…

Now imagine if you could have that freedom to relax and the time to pursue your interests…

…PLUS have all the funds you need to afford that dream lifestyle…

Just think about what that would feel like.

You could have more fun…lower your stress level…feel healthier…and live comfortably in the knowledge that you wouldn't run out of money.

Now most folks will tell you that what I've just described is a pipe dream.

"It's a rich man's retirement," they'll say.

And off they'll trundle, back to the grindstone.

It's not surprising, really.

The vast majority of Americans have saved nowhere near enough to support a comfortable retirement Stateside.

So they're working longer, scrimping to save more, and resigning themselves to a lifestyle that's a lot more frugal than the one they'd hoped for.

But There's Another Way…

What I'd like to show you today is how—in the right places overseas—you can enjoy a very good life in retirement, no matter how modest your bank balance may be.

I want to show you how you can create a resilient retirement.

In all kinds of places beyond our borders—beach towns, mountain villages, university cities, even big metropolises—you can spend less and live better.

That's the simple truth.

From Latin America to Southeast Asia to Europe—safe, welcoming, good-value places exist today…

Places where the climate will suit you…

Where you'll find the activities and distractions you enjoy…

And where the price to afford a good life is a small fraction of what your lifestyle costs you today.

Doesn't matter if you like the idea of decamping full-time or if you'd simply like an annual three-month holiday.

I'm talking about places where a couple can live comfortably for $1,650 a month (or even less), rent included.

On a budget of $2,500 to $3,600 a month, you and your spouse could live like royalty.

It means you could afford to do things like…

Have a housekeeper, a gardener, a personal chef, or even a private driver…so you free up plenty of time to do what you enjoy…
Join the local country club to golf and socialize…and revel in the perks of a rich man's lifestyle…
Eat out anytime and never feel guilty about it…
Treat your grandkids to a special trip just with you and create memories that last a lifetime…
Enjoy access to excellent, low-priced healthcare and stop worrying about what happens if you ever get sick…
Own a vacation home in a beachtown you love to visit...or a high-ceilinged apartment in a cosmopolitan city like Paris or Porto, and rent it out when you’re not there so it pays for itself...

I'd like to show you how (and where) you can do that…and help you get there fast, easily, and enjoyably, too…

What "Live Rich, Spend Less" Can Look Like

You might choose to spend time surrounded by the white sand, palm trees, and turquoise waters on the last affordable island in the Caribbean…

…where you can own your own place on the sand for as little as $160,000…

Or try on for size a two-bedroom condo a 60-second walk from the Pacific.

It looks like California (only it costs one-tenth the price)…so instead of a million or two, it could be yours for as little as $150,000…

Or maybe you'd like the sophisticated attraction of the "other" Switzerland—a big-value destination that offers far greater financial privacy than the States does…

…where taxes are negligible, and you can live a very "European" lifestyle.

A 2-story, 2-bedroom cottage with a carefully landscaped garden could be yours for just $220,000…

Then there's a university city that's been called "a kind of paradise," where cobblestone streets wind their way toward grassy riverbanks.

You don't need a car here…and the weather is agreeable year-round-lows in the 50s, highs in the 70s.

In this place, there's always plenty to do…symphony concerts…art and history museums…archaeological attractions…galleries…even a planetarium.

And a couple could live very comfortably here on as little as $21,000 a year, housing included.

Those are just four of the hundreds of good-value options you have around the world today.

But retiring overseas isn't just about stretching your dollars and creating a retirement that’s resilient.

The way I see it: That's simply the means to a better end.

Fundamentally, this idea of living a more international life—it's about improving your quality of life.

It's about living a richer life.

It’s about having the time to do what you want, when you want, with the people you enjoy spending time with.

That's what the big benefit is.

The Life You Pick…Not the One You're Handed

In the right places overseas, you can stop worrying about how you'll afford the life you want.

Instead, you can gain control over what your days looks like and start enjoying them in a way that you choose.

So you're not at the mercy of the retirement that gets dumped in your lap.

Instead, you gain the power to live the lifestyle you imagine in your mind's eye.

If you're looking for a little more adventure…an opportunity to meet new people…try new things…rediscover passions you'd forgotten about…

Then you're going to like this unusual enterprise we call The Dream Retirement Project.

It's designed to "hold your hand" and help you embrace the good life abroad—in a way that's both tailored just for you…and also fast, easy, and fun…

Because life overseas really can be FUN.

As one expat we know put it...

"For a long time, 'fun' had not been a big enough part of our lives, so we adopted a slogan that continues to serve us well—Porque no?, which in Spanish means 'Why not?'

"By saying 'yes' as often as possible, we have been blessed with so many incredible friendships and adventures.

"We've headed out of town on buses not even sure of our destination, gone to so many amazing parties, and met so many interesting people.

"Living abroad has taught us to get out of our own way and not futilely attempt to be in charge of every detail.

"By knowing what we want—yet being open to all possibilities—people, events, and circumstances have regularly (and unexpectedly) made our lives more fun and enjoyable."

Spending time abroad opens the door to a kind of adventure that's hard to create at home these days.

I say that because it's easy to "get in a rut" and do what's expected…to proceed apace because you're in the habit of it.

In the wake of the pandemic, so many people—maybe you among them—are taking stock of where they are in life.

And lots are concluding: Something has to change.

The Dream Retirement Project can help make that change a reality for you.

It’s a way you can inject some excitement into your life…shake things up a little…

Going overseas does that for you…automatically.

You don't need to be rich and famous to do it.

And you don't have to upend your life entirely, either…there are lots of ways you can live internationally…

You could—

Take up the snowbird lifestyle on the French Riviera. Skip the snow back home and rent an apartment for the winter at the beach. Enjoy the coffee and croissants at the café on the corner…learn to live like a local…make new friends…take a cooking class…explore the little villages nearby…and do it all for less than it would cost you to stay home…
Try out a tropical island—housing for free. You might pick a tranquil spot where you can watch the sun set into the Caribbean Sea…in this place I'm thinking of, there aren't any traffic lights, fresh lobster goes for less than $7 per pound, horses roam the streets, and kids walk home from school on the airport runway.
Escape to a history-rich haven in Southeast Asia where the street food is renowned, artists are flocking, and nearly everybody speaks English. Here you could rent a splashy 2-bed condo with a water view for less than $800 a month—in a nice neighborhood with beaches and where shopping and restaurants are within easy reach.

What You DON'T Need to Go Overseas

Here's the thing: A lot of thoughtful folks like you who are interested in a wider world, curious about the opportunities out there…

…they won't ever actually take the steps to embrace those opportunities.

They might read about places they'd like to go. They might talk about them at cocktail parties.

Yet for them this kind of exciting, travel-rich life is always a "someday" sort of thing…a "wouldn't it be nice" fantasy…

For you…it really could be your reality.

That's what The Dream Retirement Project is designed to do…

…to take you from that "wouldn't it be nice" stage to actually living your dream life abroad.

Retiring overseas is a lot more accessible than you may think…

You do NOT need a six-figure income or hundreds of thousands in the bank…
You do NOT need to upend your life entirely and sell everything you own…
You do NOT need to speak another language…
You do NOT need to know already where you want to go…
You do NOT need to have the answers to every question about life overseas that pops into your head…

Where Life is Simpler and Easier

Living overseas can make your life a lot easier—and more pleasurable, too.

I say that because in the right places overseas life is just simpler…

Instead of the crazy pace…overseas you can slow down and savor life.

Dawn, an expat we know living in a Mediterranean town, is doing just that.

Now you might assume it's expensive to live on the Med—but not where she is in Spain.

Rent on her large 3-bedroom apartment is just $448 a month, a two-course meal with a bottle of wine can be had for $9, her combined phone, internet, and international TV package costs just $81 a month. As she puts it…

"I found life in the U.S. to be money-driven and stressful. Contrast that with the quality of life in my beautiful, new hometown…

"The low cost of living and the high-quality lifestyle means I can fill my days doing what I want. Mornings start with a Zumba class…

"I spend my afternoons enjoying a typically late and long lunch (almost always eating one of the many delicious fish or seafood choices).

"I may take my dog to play at the new dog park or take a siesta.

"As night approaches, I'll head out for an evening drink or meet up with friends to talk and dance… I've realized my dream of a simple, fulfilling life."

Bonnie, another expat we know, echoes the same sentiment from a little-known beach town in Latin America she calls home…

"I can live on about $1,000 (or less) a month…and I'm not scrimping. In fact, I can enjoy more here than I could in the U.S. when I had a great salary.

"I eat out when I want…travel around the country…visit the U.S. once a year…and generally have a better quality of life. The big stress factors of the U.S.-traffic, keeping up with the Joneses, and worrying about money, don't exist.

"Life here is easy, peaceful, and happy every day."

In many places beyond our borders, the pace is saner.

It harkens back to a simpler time.

Walter moved to Mexico, and he sums it up this way:

"Life here is like it was in the U.S. in the 1950s—simple and laidback. The significantly slower pace is probably the biggest benefit of daily life here. We eat better, we get more exercise, and our health has improved."

Slimming Down—Effortlessly
(A Pleasant Side Effect of Life Abroad)

…which brings me to another benefit of life in the right places overseas:

It's better for you.

How would you like a diet plan that sees you shedding pounds without even trying?

You'd be amazed at how often readers who've landed abroad write to say that they've slimmed down—a happy side effect of life abroad…

And, really, it makes sense. After all…if you're living in a place where the weather is nice, you want to be outside more.

So that's what you do—you go outside…and you walk or snorkel or hike or swim or ride your bike.

In lots of places we recommend, you don't need a car to get by.

And that means you walk to get groceries more often than not or when you head to a restaurant for a meal.

Armand, a transplant to Las Tablas, Panama, says, “We have dropped an incredible amount of weight. And we’re not even eating as healthy as we ought to.”

Harry and Barbara report a similar experience since they moved to Grecia, in Costa Rica’s Central Valley. They’ve found that living like the locals—shopping at the local farmers’ market for fresh fruits and vegetables, for example—allows them to cut their monthly budget to well under $2,000. And, as Harry says, “I’ve lost 30 pounds since moving down [here].”

It's easy to be active.

And it's easy to eat well, too.

While processed foods certainly exist in the places we recommend, they're usually more expensive than the produce you'll find in the market.

So it’s cheaper to eat healthier.

In most places on our beat, fresh foods are grown without pesticides and chemical additives.

The milk, cheese, and eggs come from animals that have not been fed steroids.

And so the type of food that you'd expect to pay extra for at Whole Foods…can be yours overseas in the places we recommend for much less.

Two pounds of tomatoes for $1.26…a dozen eggs for $1.95…17 bananas for 50 cents…fresh raspberries for $1 a quart…

Diego and Kate moved to Medellin, Colombia and say, “Within the first six to seven months of living here, we each lost 10 pounds and kept it off—without even trying!”

A World of Opportunity

When you turn your gaze to beyond our borders, you'll see options for better living that you just don't have at home…

Ways and places you can have more fun…simplify your life…feel healthier…live richer…

…and do it for less than it costs you to stay home, like…

The inviting haven two-and-a-half hours from Miami where you can hire a maid to clean three times a week—for $60 a month. A doctor will make a house call for $35. And property is still cheap—though increasing in value. You can buy a two-bed condo with an ocean view and a large private patio and shared swimming pool for $119,999.
An overlooked spot in Europe where the plazas, cathedrals, and museums are dressed in travertine, the food and wine are glorious…and you can still rent an apartment for less than $600 a month.
Where to find U.S.-standard healthcare for half (or less) than you pay now…
Dollar-stretching property plays—right on the ocean—including one where $145,000 buys you a furnished one-bedroom condo on the beach in a complex with all the trimmings, including a beach club, full-service marina, hotel, and even a yacht club, which boasts a swimming pool, three tennis courts, and restaurants.
Five spots around the world where you can find premium views for less than $150,000.
How to enjoy a million-dollar retirement without touching your savings.
Where $35 a month buys high-speed, wireless internet…a maid will live-in for $200 a month…a taxi ride rarely costs more than three bucks…lunch out will run you $5…a first-run movie is $4…a pound of avocados sells for 65 cents…and you could live well on a Social Security income alone.
How you can earn $108,000 tax-free overseas.
A warm country with palm-lined beaches and spectacular diving where you can live just one short month a year and claim permanent residence… which can mean big tax savings for you when it comes to Uncle Sam.
The best beach communities for expats to live in…from Italy to Costa Rica to Thailand to Belize and beyond…
The top five tropical islands for retirees on a budget…

You'll get the specifics about all of that—and lots more—when you participate in The Dream Retirement Project.

And you'll get the tools you need to match up your dream lifestyle with a real-world place on the ground where you could make it your reality.

Your Timing is Excellent

If you like the idea of doubling your retirement dollars in a place where your greenbacks buy two, three, even five or ten times more than they do right now, then you can't ignore the opportunities you'll find today around the world.

The truth is there has never been a better time in history to explore—and embrace—your options abroad. A hundred, 50, even 20 years ago, it was a lot harder to get around, took longer, required more gumption.

Today, though, infrastructure on the ground is much improved. Traveling is easier, faster, and more comfortable than ever.

The Internet has knit together far-flung corners of the planet, which means you're never further than a Zoom call away from friends and family.

And many of your best overseas options today are just a quick hop by air.

So in a way, the world is getting smaller. But as it does, your options expand.

Think about it this way: Today, you could sit with your toes in a white-sand beach on the tropical island of Koh Phangan, which juts out of the turquoise waters off the coast of Thailand.

And there, on that remote dollop of sand, you could have high-speed Internet access on your iPad while you enjoy a fresh-made lunch of steamed rice, chicken, fresh vegetables, and a bowl of tasty soup—for less than $3.

The world-class view? Free.

Today all kinds of overlooked places are suddenly accessible—and easier than ever to visit or live in.

And they cost a small fraction of what you're used to spending at home.

How Well Suited Are You to Life Overseas?

Here's the thing, though…and I want to be frank about this: Retiring overseas isn't right for everybody.

You're still with me here, so I suspect it's something that might well suit you. But let me ask…

Do you like the idea of living in a place where you could take $100 out of an ATM on Monday, eat out every day of the week, rent a sailboat for a morning, meet friends for drinks one afternoon, pay your monthly utility bill…and still have change leftover on Friday?
Are you willing to be flexible? Other countries do things differently. The locals might speak another language (or they might not). But you can be sure their traditions, the way they approach problems, and their sense of time will be different than yours. Are you willing to "go with the flow?"
Do you enjoy meeting new people and exploring new places—do you consider yourself a traveler at heart?
Do you crave a little adventure? Are you ready to try something new, something a little "outside the box"…even if you have friends and family who say you're nuts?
Are you ready to ignore the everyday perceptions about places in favor of the reality on the ground? The world you hear about on the nightly news is always full of war, disaster, and political chaos. But the world I'd like to introduce you to is full of opportunity for fun, personal growth, travel, profit, and more. Do you believe that world exists…and are you ready to discover it?

If you answered "yes" to three or more of those questions, then I'd say you're a prime candidate for life overseas…and The Dream Retirement Project.

Your Expert Connection to a World of Opportunity

It's a way to jump-start your new life abroad in a place you love, where you can spend less and live better.

Whether you’re interested in doing it a few weeks a year—or full-time.

A place where you can create your own good life overseas…where the weather suits your constitution and where there's plenty you like to do to keep you busy.

You have lots of options abroad today—as I said earlier, more good options than ever before.

But trial and error, frankly, isn't the most efficient (or cost-effective) way to find the place that's right for you.

Now to be honest, that's how most folks go about it.

But I'd like to spare you the time, frustration, and funds that can cost you.

Instead, I'd like to introduce you to a better way.

A way you can get your questions answered…easily match up what you're looking for with a real place abroad…

…put a reasonable plan of action in place…and feel comfortable and confident about your new adventure overseas.

The Dream Retirement Project puts you "under the wing" of our most seasoned editors, Dan Prescher and Suzan Haskins, who've been living overseas for nearly two decades now.

They're the authors of two books: International Living's Guide to Retiring Overseas on a Budget, and Live Richer, Spend Less.

And these guys know their stuff.

In The Dream Retirement Project, they've created a way they can share those important nuggets they've discovered that can make all the difference for you between a frustrating experience abroad and one that's fun and easy.

They can't sit down with you in your living room—but this is, hands down, the next-best thing.

It all started when Suzan said to me over dinner one night, "If only I'd understood back in 2000 what I know now…we'd have gotten to this 'sweet spot' a heck of a lot faster…"

It got me thinking… Dan and Suzan have a wealth of hard-won, on-the-ground know-how that you could use.

I wanted a way they could debrief you…put you on the inside…

And essentially catapult you from where you are now to that "sweet spot" you dream about…

That way, you could fly right over the roadblocks they themselves had to find a way around.

So you could settle into the promise of a better life abroad seamlessly, easily, and enjoyably…

When you participate in The Dream Retirement Project, that's exactly what you can do.

It’s akin to having a “go-overseas-mentor,” expert guidance and been-there-done-that help. A way to get answers to your questions so you can get to the spot that’s just right for you with confidence and ease.

I encourage you to act fast.

If you're intrigued by the idea of spending a lot less, yet at the same time living a lot better...

If you’re ready to put a more resilient retirement plan in place, but you're not quite sure how—or where—to make it happen…

Then I know that Dan and Suzan can help you.

Doesn't matter if you long to wake up to the sound of the waves sloshing gently on shore…

Or if you're ready to leave the stress behind…and sit on your balcony at sunset looking out at peaceful mountain peaks, a light sweater on your shoulders, cocktail in hand…

Or if you dream about the day when you can enjoy lunch at an elegant sidewalk cafe, revel in the sweet bustle of the city, and look forward to the opera you'll enjoy that night…

Whatever is in your mind's eye—whatever your ideal life looks like—they can help you find the place to make it real…

Because that place does exist—that place where you can live the good life for a lot less than you spend on your ordinary existence right now.

In the right places overseas, a couple can retire more comfortably than you ever could back home—for less than $1,670 a month, housing included.

Here's the Easy, No-Hassle Way to Get from Where You Are Now to Enjoying an International Life… FAST

To my mind, when it comes to an overseas adventure, the romance and the sense of freedom are automatically built in.

But the prospect of this great escape can be paralyzing. You fret, muse, research, dream…it can go on for years. (Maybe it already has!)

Being unsure about just a single, small detail can stop you in your tracks. You don't know what to do next, so you do nothing…

But it doesn't have to be that way for you. This time next year, you could be living way better than you are now…and spending less.

Because we're going to make it super easy for you.

We're going to give you a clear step-by-step path to follow that'll point you to exactly the place you're meant to be.

You could start living well—just like Lee and Peg do.

Retiring Overseas Is NOT an All-Or-Nothing Proposition

You don't have to pull up stakes and renounce life "back home" entirely to start enjoying days at the beach…or having a housekeeper cook and clean a few times a week…

Think about a part-time approach. Not only is it something easily arranged in just a handful of weeks…

But in the right places overseas, I guarantee it'll cost you less to spend a month or two exploring a new community and trying on the expat life for size than it would to book a few weeks at the shore back home.

One prospective expat put it plainly when he visited Ecuador last summer: "I could live for a month here and spend about the same amount as I spend on air conditioning alone every month in Phoenix." He's right. And Ecuador isn't the only place you can do it, either.

As part of The Dream Retirement Project, we walk you through all kinds of options and teach you the best way to narrow down the spots most worth your attention.

They escaped to a little highland town surrounded by peaks that reminds them of the Blue Ridge Mountains where they used to live.

Peg says they rent a three-bedroom apartment for less than $600 a month. They have a walled-in backyard that's 100 feet by 40 feet, where their dogs can play. For less than $20 a week, a woman comes in to clean. Neither Lee or Peg likes to cook, so they eat out every day—eating well, yet rarely spending more than $10 for a meal.

Or you could be enjoying life in the Caribbean, just like Mary and John are.

The couple spends part of the year in Belize. They rent a townhouse in a small complex on a private island for $3,000 a month, which is about what their Minnesota mortgage cost.

But here, they get so much more for the money: a beachfront home, utilities paid, a caretaker, and private boat service.

And life is good. The couple enjoys sports fishing, and John reads four to five hours a day. Mary stays busy snorkeling, sailing, fishing, kayaking, and exploring Mayan ruins.

“I no longer have a budget,” says Mary. “I don’t keep track. I don’t need to. I feel like we have exactly what we need and there’s always some extra at the end of the month.”

What they have…you can have, too.

And when you sign on to participate in The Dream Retirement Project right now, we’ll show you how.

Clear Answers and "This Is How It Works" Guidance Make Going Overseas Easy

In The Dream Retirement Project, Dan and Suzan answer questions and share secrets inside 8 beefy lessons.

For each, they walk you through what you need to know in videos and include written guides and how-to’s that go along with their talks.

Plus, they’ve brought in “backup,” too—tapping the expertise of additional experts from our International Living team.

You’ll find out things like—

Why a part-time getaway might suit you best—and how to arrange it in a way that works for you.
22 questions to ask yourself before you move overseas—the answers will help point you to where you should go.
Should you rent or should you buy? And six more important things to consider (including what to do if you’re spouse isn’t 100% “on board” yet)...
How the top destinations for living overseas compare to one another—so you can match up what you're looking for with a real-world place on the ground.
Taxes, visas, finances, and more—what you need to sort out before you commit to a country, and how to do it with ease.
How to ensure a no-trouble move with your pet in tow… Suzan and Dan tell you exactly how it works…it's not hard.
The easiest, cheapest, most reliable ways to stay in touch with family, friends, and colleagues while overseas…
Where to find excellent-quality healthcare (and insurance) you can afford…
How to get the most out of a scouting trip overseas—including the three things you should absolutely do while you’re in the country you’re checking out...
If you’ve got a portable income—we’ll show you the best places to take it overseas today. If you’re NOT yet retired, you’ve got a few things to consider—visas, taxes, and costs among them.
Six ways you can help fund an overseas adventure—whether you’re retired or not, looking for a side gig or a full-time income, we’ll hand you some good options...
And lots, lots more…

It would cost hundreds of dollars—thousands, more realistically—to gather these secrets, tips, and techniques on your own…and that's if you knew where to begin.

But today they are yours as part of The Dream Retirement Project.

Discover Beautiful, Welcoming Places Where You Can Live Well for Remarkably Little… Even in Europe!

As a participant, you'll "come along" as Dan and Suzan pull back the curtain and show you your best opportunities in the Caribbean, Europe, Southeast Asia, and Latin America.

I’m talking about retreats where you can live well…invest profitably…and create the kind of life you've always imagined…for a fraction of what you'd suppose it would cost.

You can compare and contrast one destination to another and be efficient about your overseas search. That way you're not wasting time with places that really aren't right for you.

In each country we recommend, we’ll drill down to show you the regions and communities where the least number of dollars buys you the best lifestyle.

Beaches…cities…mountain surrounds…colonial towns.

They're all places our correspondents around the globe have uncovered on your behalf. Places they investigated firsthand. Places where they themselves live and spend time…

Suzan and Dan will virtually "hold your hand" so you can quickly, efficiently, and enjoyably get from where you are now to living that life you imagine in your mind's eye.

And along the way, they’ll introduce you to some more of the experts on our IL team, like Jason Holland in Mexico... Laura Diffendal in Belize...Kathleen Evans in Costa Rica... Terry Coles in Portugal... Jessica Ramesch in Panama... Keith Hockton in Malaysia... and the list goes on.

They’ll each introduce you to their adopted home country and share with you insights about the best communities to consider for expat life, the cost of living, what life can look like day-to-day, and more.

I believe firmly that there is a place out there that's right for you…

A place where you can create your own good life overseas…

A place where the cost of living matches your budget, where the weather suits your constitution, and where there's plenty you like to do to keep you busy…

A place where you can embrace a retirement that’s not just enjoyable and affordable, but is resilient, as well.

Through The Dream Retirement Project, Dan and Suzan will help you get there.

The regular price to participate in The Dream Retirement Project is $199.

We've enlisted all our resources to pull together The Dream Retirement Project, and that doesn't come cheap.

Each year we spend more than $800,000 to fund the correspondents and editors we have on the ground all around the world and who investigate destinations on your behalf.

We do it so you don't have to. This project really is special.

It's the culmination of more than 40 years of hard-won, real-world experience.

Our editors here at International Living don't just talk the talk, they walk the walk.

Suzan and Dan have themselves have lived in and traveled extensively through the countries that we recommend...

...they've bought and sold property, they've rented, they've renovated...

...they've moved pets, gotten teeth fixed, had surgeries…

...so they know more than a thing or two about successfully navigating (and embracing) an enviable life overseas.

I can say with confidence that you won't find a better way to help you investigate your best options abroad today than with The Dream Retirement Project.

I'm prepared to give you access to all of Dan and Suzan's best intelligence. Plus all the insights the rest of our IL team shares, too.

They're going to set you up to jump-start your life overseas and take you from "dreamer" to "doer."

And that's not all.

When you "raise your hand" and let me know you'd like a spot in The Dream Retirement Project we'll include all sorts of digital extras as well…

SPECIAL BONUS # 1, Yours Free…

We'll issue each new participant a guide called Easy Shortcuts to the Good Life (value: $19.95). In it you'll discover secrets like…

Ten good reasons to move overseas right now…and a couple not-so-good ones. Find out where you stand…
Four "clear-thinking" benchmarks to use before you make the leap…so that you've set yourself up for an easy, fast transition to the good life overseas.
The twelve most important priorities to consider as you compare one good-value haven to another. This list will save you weeks of hemming and hawing and help you narrow down your top choices in no time at all.
Twenty-six practical tips and proven shortcuts to help you save time…

In Easy Shortcuts to the Good Life we make it easy to find the place that's right for you and take the next steps with a sense of confidence.

This report is valued at $19.95. But it is yours today, free, when you register to participate in The Dream Retirement Project .

And when you claim one of the available spots right now, I'll toss in another bonus on top of that…

SPECIAL BONUS # 2, Yours Free…

As an added incentive to put your name on the participant list today, I'll toss in a $100 Event Voucher good toward any of our live events.

There's no expiration on it…so you can use it anytime.

And I'd like to note that, in fact, if you DO use it, it means I'll have essentially paid you $1 to participate in The Dream Retirement Project.

Just think about it: You take me up on this special offer and you get to be a part of The Dream Retirement Project for $199.

In turn, I give you $100 to use toward one of our events.

This $100 voucher is yours to keep, no matter what.

And that's not all!

Respond while this special offer is on the table, and I'll send you something else, too.

—FAST REPLY BONUS—
Here's a Gift Just for Enrolling
Today

Take action right now and join IL's Dream Retirement Project—and when you do, I'll also send you another useful guide called How to Buy Right and Boost Your Rental Income Anywhere in the World (value: $29.95).

It is easier today than at any other time in history for small investors like you or me to make strong gains from renting real estate out—particularly short-term.

And one of the best ways to fund a more international life—particularly if you’re not ready to go abroad full-time—is to own a place overseas that you can enjoy a few weeks a year and which pays for itself when you’re not there.

My colleague Ronan McMahon, an international real estate expert at the helm of Real Estate Trend Alert and a contributing editor to International Living, put this special report together to show you how it’s done.

Inside, he shares the six important steps to take to ensure you’re set up with a property poised to produce strong rental returns.

You’ll find out the best kind of properties to own (1-bed and studio v 2-bed and why and when one can be better than the other).

What you need to watch for in markets where you’re thinking about buying something—because one critical element can make all the difference.

And lots, lots more...

When you let me know you're interested in The Dream Retirement Project today, we'll include How to Buy Right and Boost Your Rental income Anywhere in the World (value: $29.95) for you at absolutely no charge.

Really, there's no reason not to give it a try…I say that because this special offer comes with a rock-solid guarantee.

In fact, a three-part guarantee.

Our Rock-Solid, Triple Guarantee
Means No Risk for You

Guarantee # 1—I guarantee this special online program will help you find an escape that's right for you abroad. A place where you can live better than ever…stretch your retirement dollars…and have the time and funds to travel, relax, enjoy life…a true “resilient retirement” plan.

Guarantee # 2—I guarantee you'll find through The Dream Retirement Project the real-world solutions you need to get from where you are now to where you want to be. But if you feel the solutions Dan and Suzan deliver aren't for you, simply let us know within 30 days and we'll give you a full refund. No questions, no problem. So the risk is all ours.

Guarantee # 3—Should you decide to ask for a refund, you have, as I said, a full thirty days to do it. And regardless, you can keep Easy Shortcuts to the Good Life, the $100 Event Voucher, and the fast-reply bonus, How to Buy Right and Boost Your Rental Income Anywhere in the World too. And they're yours to keep, no matter what…

With this special offer today, you can secure a place in The Dream Retirement Project and receive resources with a value of $348—revealing secrets, strategies, solutions, and smart ideas you'd spend tens of thousands of dollars gathering on your own—all for just ~~$348~~ $199.

But you need to act fast.

Click "Add to Cart" now to register so you don't miss this opportunity.

Here at International Living, we believe the world really IS alive with opportunity and adventure.

We take it as our mission to show you where—and how—you can best embrace it.

By participating in The Dream Retirement Project, you gain a "virtual mentor" as Dan and Suzan show you how to cut through all the clutter out there to home in on the places that make the most sense for you.

Then they hand you the step-by-step guidance you need to get there…fast.

You'll get your questions answered. You'll come away with a clear understanding of what you should do first, second, third, and so on.

With The Dream Retirement Project, we're handing you our best expert guidance about all of the amazing ways you can embrace an adventure-filled world and live better than you do now…without spending a fortune.

Suzan and Dan are "standing by" to help you do it. Just click "Add to Cart" now to get started today.

When you join The Dream Retirement Project, you'll gain insight into how it's possible to live a life of luxury even on a Social Security check alone…

You'll see that in the right places—places where the living is good and the prices are low—you can have a housekeeper, a gardener, a personal chef, or even a private driver…without breaking the bank. When $60 a month will pay for somebody to help a couple times a week, why not have them do it?

In the right places, you can spend much less than you do at home—only watch your lifestyle expand.

You can afford to relax. You can afford to enjoy your days.

I'd like to show you how (and where) you could create your own "good life" in a place you love…

I'd like to show you how you can get there quickly, easily, and enjoyably, too…

Simply click the "Add to Cart" button to enroll in The Dream Retirement Project.

I know you're going to be impressed by what you see.

Sincerely,

Jackie Flynn
Publisher, International Living
November 2021

P.S. Don't delay…click "Add to Cart" to enroll in The Dream Retirement Project now.

Altogether, this unusual deal hands you more than 40 years' worth of live-abroad solutions, recommendations, and expert guidance to help you effortlessly find the spot that's a good fit for you…and get there with ease…

With this special offer you'll pay just $199 for your spot in The Dream Retirement Project.

Just take a look.

This offer is 100% guaranteed and you don't risk anything. No matter what, even if you ask for a refund, the three special bonuses are yours to keep—free:

Easy Shortcuts to the Good Life,
$100 IL Event Voucher
How to Buy Right and Boost Your Rental Income Anywhere in the World

But to participate, you have to enroll. Click “Add to Cart” now to get started.

Global Intelligence Letter

Thu, 12 Jul 2018 19:20:50 GMT

Enigmatic Expert Who Predicted Bank Failures, Inflation, Market Crash, and America’s Political Divide Issues Final Warning:

3 Strange Financial Events American Retirees Need to Prepare for Right Now

“this will be a disaster for savers... here’s the one important step you need to take right now...”

He was a poor boy from Baton Rouge who rose to the highest levels of the mainstream financial media...

With 10 million readers and 7 acclaimed books, Jeff Opdyke guided America through events like the dot-com bust and the ’08 financial crisis... and even 9/11.

But at the height of his success he walked away from it all.

He left America entirely... and began making a series of predictions about the US economy...

In February of 2021, Jeff went against the Biden administration, predicting that serious inflation was coming...

Then, while the media was calling “the beginning of the end for fossil fuels,” Jeff bucked the trend once more... predicting that oil prices would soar once again.

In late 2021, he also warned that he’d sold 90% of his stocks and bonds to prepare for a major event in the next six months... barely two months later, the stock market began its epic 2022 crash.

In October 2022, Jeff again warned of bank failures ahead, including the giant Credit Suisse...

Earlier this year, that’s exactly what happened...

Today, from his offshore base... Jeff Opdyke delivers his final prediction:

3 coming events – known as super shocks – are about to disrupt our life in a way that few Americans have ever experienced.

In this short presentation, you’ll hear the story no one else is telling – of delusion, woke-ism gone mad, of a hidden agenda to turn America against itself... and the “Reckoning” that must follow.

Jeff will detail the steps he has taken to protect and even grow his wealth... as well as the one simple step you can take right now from your computer, tablet, or phone...

Dear Reader,

Do you know the story of America’s “dead twin”?

A hundred years ago America had a rival superpower.

I’m not talking about Russia, Japan or China...

This “twin” was the fastest growing economy in the world... its currency was the most valuable on earth.

Like us, this rival superpower was at the forefront of technology... their geography made them virtually immune to foreign threats... their resources – an “endless supply of raw materials and natural resources such as water, gas, and oil” – made them a force no one dared touch...

Inside one of their department stores from the time

They built a “world metropolis” with the beauty of Paris, the wealth of New York and the hustle of Chicago...villas and the latest fashions...a $330,000,000 opera house...tree-lined boulevards...

American visitors would write home calling it “the City of Amazement.”

A period of unsurpassed wealth...but it was not to last

Now here’s why this story should matter to every American right now:

Nor could they have imagined that the threat would come, not from a foreign invader or natural disaster... but from a simple, yet dangerous, idea... and a series of shocking events.

As these events played out, political squabbles turned violent in the streets...

Foreign creditors began calling in their debts... and the currency – once equal to the dollar – lost so much value that store owners no longer bothered putting prices on their goods...

Factories stopped being able to pay their workers... employees turned on owners, taking over their businesses (sometimes violently)... middle class families were forced to sell their homes... children starved as basic foods disappeared (in one of the most food-rich countries on the planet)...

Anyone with any sense tried to take their savings and head for the exits...

But a desperate government imposed banking lockdowns, forcing the people to simply watch as their money lost value like a stock in a crash.

Later, shell-shocked locals would remark on just how fast their world came apart...

Visit the capital today and you’ll see traces of that former wealth.

You see it in the grand Parisian-style buildings (still beautiful but crumbling)...

You see it in the old subway system, one of the first in the world... now failing and plagued by crime...

You see it in the wide boulevards, where families gather to barter for powder milk and diapers...

...the ruins of a once-proud superpower...

We’ll talk more about this country later on, as well as the bizarre reality of everyday life there now.

You can already see its influence in our government, our media, our financial system... even in our schools and TV shows...

And I believe we’re about to see a series of events very similar to those that killed “America’s dead twin.”

My name, by the way, is Jeff Opdyke.

I don’t work for a big “financial research” company. I’m not a professional talking head.

I’m just an independent financial writer from Baton Rouge, Louisiana.

I share my findings and forecasts with a private group of 10,000 subscribers.

A few years ago, I began reporting on a strange idea spreading through America’s elite institutions – our government, our colleges, even our media...

As I traced the origins of this idea and the agenda behind it... it led me to make a series of predictions about our society, our economy, and the stock bubble.

Each of which came true...

Today I’m here to talk about the next – and possibly final – chapter in this story.

We will see empty shelves in our grocery stores once more...

Fuel prices will climb again, triggering black outs and brown outs...

Stocks will whipsaw... (though that’s not the asset I’m most worried about...more on that later)

Companies will see their margins collapse and start laying off staff in massive numbers...

I expect we’ll see joblessness soar as millennials who quit during the pandemic suddenly become desperate for work...

The housing market will get hit, too. The banking giant JP Morgan is already cutting hundreds of jobs within its mortgage division... (that may be just the beginning of trouble ahead for our banks)

And’s that’s just the beginning... what comes next will be stranger still...

Understand: in the highest circles of American finance and industry, they know what’s coming...

And yet the official narrative coming out the White House is one of record employment... lower inflation... lower gas prices... and no recession.

In this free presentation, I’m going to lay out the truth.

I’ll show you what’s really going on... including the insidious idea at work in America today... and the coming events – which I call “super shocks” – that every American should be prepared for.

Once you understand what’s happening, it will explain so much about America of the past few decades...

The strange ideas ... laughable just a few years ago... that have taken hold everywhere from your local library to your local PTA to even our government...
The boom and bust of Big Tech and crypto currencies...
The surprising origin of the “woke” movement...
The rise of identity politics... and cancel culture...

And so much more...

Earlier in this presentation, you learned the story of America’s dead twin...

That country, by the way...was Argentina.

Surprised?

There was a time when the saying around the world went “rich as an Argentine.”

Except for the United States, Argentina had more millionaires than any other country on Earth.

And the Argentine gold peso was the most valuable currency in the world.

In the early 1900s, Americans visiting the capital city of Buenos Aires would write back in awe:

Had the Bishop from Baltimore visited Buenos Aires a few decades later, he would have found a city where people ate from garbage cans... where mothers fed their children tea and sugar because there wasn’t any food...

Think something like that can’t happen in America?

Last year when a single infant formula plant in Michigan shut down, half the supply of formula in the US disappeared...

Store shelves went bare... pharmacies had to resort to rationing... desperate mothers were bringing babies to the hospital with malnutrition...

One Wisconsin mother reported going to 13 stores trying to find food for her son.

“You stare at the [empty] shelf like...I need to find something for my son to eat,” she reported at the time.

America is far more fragile than you think...

For example, a recent food giveaway by a charity in Kentucky saw a mile-long line form... with people getting up at 4am to come secure their spot...

And if you wait for CNN or Fox News or NPR to tell you what comes next, you are making a big mistake.

I’ve seen it before...

At the height of the recent stock boom, in November 2021 I warned people that I’d sold 90% of my stocks and bonds, including Facebook and Google...

What were the “authorities” telling people?

The financial news site MoneyWise told its readers “don’t count on a crash.”

Goldman Sachs told investors the market would continue to hit record highs in 2022.

Just a few weeks later, the market collapsed.

But what’s coming will impact you regardless of whether you own stocks...

In a few minutes, I’m going to share the “radical” change I’ve made to prepare for these Super Shocks, including how I’m protecting my savings and personal finances...

...plus the easy step you can take right now to protect your wealth... and even profit enormously as one poorly understand, yet vital, asset skyrockets in value (no, it’s not oil, gold, stocks, or bonds).

I can understand you may be skeptical. You’re right to be. Especially in times like these.

I remember after the financial meltdown in ’08, every guru on the internet and TV was telling people it was going to be the “end of America.”

And sure, we had big problems. Especially with our national debt.

But even so, I saw something else in America’s future.

See, I began my career as an investigative reporter. And for a time I was stationed at the Wall Street Journal’s Texas office – in the heart of oil country.

I knew there were massive shale oil fields just waiting to be tapped underneath American soil.

That’s why I went against the doom-and-gloomers to predict, not the end of America, but the rebirth of America as a gas giant.

I wrote to my readers back then: “America is on the brink of becoming the next Qatar.”

That’s exactly what happened. America soon became the world’s largest natural gas exporter, with natural exports jumping almost 350%.

Those who listened to me even had the chance to make a lot of money when I recommended a little-known U.S. natural gas company called Cheniere Energy:

Back then, Cheniere was trading for $5 per share. By March 2023, it was worth nearly $165…a gain of 3,200%.

Sadly, I don’t think we’re looking at a rebirth like in 2011...

No, America will not disappear. But if I’m right, the next two decades are going to some of the most difficult we have ever experienced as a country.

That said, there will be “Chenieres” to find here too...

But first, I need to tell you about the first of the three coming super shocks.

The First Super Shock: The “Woke” Attack on America’s Economy

Soon I suspect we will be headed into lockdown once more...

But not over a virus this time.

Nor will they use the word lockdown. Maybe they’ll call it a “climate action” or an “energy reset”...

But it’ll be a lockdown. Cars unable to go anywhere. Stores closed. Streets empty. Here’s why...

Back in 2021, the common wisdom went that in the post-COVID world renewables would replace fossil fuels. Oil prices, which had gone to zero during the pandemic, would stay low.

CNN at the time reported: “The world may never recover its thirst for oil.”

To me that was pure “woke” fantasy…

In March 2021 I predicted that oil prices were about to soar as demand roared back.

Within a year, oil prices had more than doubled to over $130 per barrel.

Today, the prices at the pump appear to be heading back down.

And certainly the White House would love for you to believe that the worst has passed.

Sadly, they are wrong. It’s about to get much worse.

Here’s why:

For years now, elites in the US have pursued the rapid and complete replacement of fossil fuels with renewable energy.

President Biden canceled the Keystone Pipeline and has allowed less drilling on federal land than Obama, Trump and every other U.S. president since Truman.

Pennsylvania, New Jersey, Delaware and New York have all banned hydraulic fracking…even though they sit upon a shale formation with hundreds of trillions of cubic feet in natural gas (enough gas to power the entire U.S. for years).

California, too, plans to ban all new natural gas projects...

These restrictions have proven so effective that we have all but stopped bringing new oil and gas supply to the surface.

The last time new oil discoveries were this low was back in 1946.

Most Americans still didn’t even own cars back then.

The US economy today is 10 TIMES larger now than it was in 1946!

Put simply: at some point we’re going to find that we don’t have enough energy to power this country.

It’s not that we don’t have oil and gas.

The US now holds the largest discoverable oil reserves in the world... more than Saudi Arabia.

But you can’t turn that supply back on like a light switch.

Finding a new well… estimating its reserves… deciding whether or not to tap it… getting government approval and licensing… extracting the oil or gas… and then refining it…

That process takes years…even a decade or more for complex operations like offshore rigs.

Don’t get me wrong. I have no problem with renewable technologies. They may build a great world for my son’s grandchildren…

But you cannot replace more than a century’s worth of fossil fuel-based energy infrastructure in a few years…or even a few decades... with renewables.

Oil and gas are incredibly dense fuels.

Every cubic meter of oil we extract – about 6 barrels – produces up to 45 gigajoules of energy.

A comparable area of solar energy panels produces just 1.5 microjoules... that’s twenty quadrillion times LESS energy.

And even if that wasn’t the case... we can’t afford the transition to renewables.

Consider this: McKinsey estimates the total cost of zero emissions by 2050 could be as high as $275 trillion.

That’s over 20 times all the taxes collected by governments, worldwide, in a year.

Are you willing to forgo your social security so that Greta Thunberg and AOC get their wind farms?

(Though now Greta’s protesting windfarms too so maybe not...)

The fact is: we don’t have the money... we don’t have the energy... and even if Biden acted today, we don’t have the time...

And no one dares talk about it!

The bank HSBC recently forced out one of its top executives after he questioned... not climate change itself... but the wisdom of investing client money in companies with an “environmental or social justice” mission regardless of bad returns.

This is a political issue, not a scientific issue. Look at these headlines:

Look, I don’t like pollution. I started my career as a journalist investigating the chemical industry that was causing birth defects in south Louisiana.

But this is not about pollution. It’s not about climate change.

If it were, we’d be talking about nuclear, which, despite what you may have heard, is both clean and safe... cleaner, in fact, than both wind and solar.

According to a Pulitzer Prize winning author Richard Rhodes:

So no, this is not really about the climate (more on that later...)

Regardless, shortages are now inevitable in the US... and probably going to hit much sooner than you realize.

According to the International Energy Forum we are now facing “the worst global energy crisis in history.”

In the past two years, so many refineries have shut down that America has lost more than 1 million barrels a day in supply.

Right now, the Biden administration is relying on something called the Strategic Petroleum Reserve to stop oil and gas prices from skyrocketing...

It’s a federal complex of deep underground caverns along the Texas and Louisiana Gulf Coast that hold hundreds of millions of barrels of oil.

When Biden took office, the SPR held 640 million barrels.

But Biden burned through 40% of the SPR in 2022 alone... all while touting his climate bona fides by the way...

If he continues at that rate, he will be functionally out of oil by the end of this year.

Businesses are already shutting down because they can’t afford their gas bills. When San Diego restaurant owner, Jeff K. saw his gas bill had jumped 300%, he reported “The costs are out of control, I think they're running us out of here.”

These are not big businesses that get bail outs to stay open... when a small business can’t afford to keep the lights own, it just shuts down.

And in case you don’t know... 99% of American businesses are small businesses.

But it’s not just businesses. Regular Americans are already reporting gas bills nearly 8 TIMES higher than last year.

And it’s about to get worse...

Let me show you what $10 a gallon gas does to this country...

The average trucking company operates on a profit margin between 2.5% and 6%. Think about what happens if their gas price goes up 100% or more...

That will have a devastating effect on retail businesses. And Ecommerce won’t escape the carnage like it did during the pandemic. Without trucks, online businesses can’t ship.

Online businesses can’t ship so they don’t advertise. And all those cool, hip tech companies... well... some of them are going under.

Meanwhile the average American could see the cost to fill his gas tank rise to $278. In some states, it could be double that.

Remember: this is in a country where half the population can’t cover more than $400 in an emergency... and millions of families are already maxing out their credit cards just to get by...

And we haven’t even factored in the many products – from toothpaste to medicine – that contain petroleum derivatives and will skyrocket in price...

Or the cost of heating people’s homes..

But if I could point to one “Achilles heel” for America when it comes to energy... it’s not heating your home... it’s not even trucks...

Here’s a disturbing secret about America’s food supply...

Fertilizer, specifically synthetic nitrogen, is made using natural gas.

Most people don’t realize how important fertilizer is to our modern world. Experts estimate that without the invention of synthetic nitrogen fertilizer, the world population would be about half what it is today.

Prices for fertilizer are already rising sharply.

One type of nitrogen fertilizer – ammonia – has already gone up nearly 3 times in price...

For America’s farmers, that’s a problem.

See, most people don’t realize how fragile America’s farms are...

Suicide among farmers is alarmingly high.

If you go to farming communities in places like Wisconsin they’ll use words like “extermination” to describe what’s happening... They’ll tell you they’re being “wiped off the map.” (Their words.)

Most farmers lose money, and the industry has some of the highest debts in the US.

In less than a decade, the US has lost 100,000 farms.

Does that sound like a stable situation for America’s food supply as it is? Skyrocketing fertilizer prices are going to hit very hard.

It’s already happening.

According to Reuters, American farmers are already being forced to abandon crops like corn due to rising fertilizer prices.

This is very similar to what happened a few years ago in Sri Lanka.

The government there tried to force its farmers to go organic, by banning chemical fertilizer.

Here’s what happened next:

Because they couldn’t get fertilizer, farm yields plunged.

One million farms produced nothing at all which caused food supply to collapse 20%.

A third of farmland just went idle.

They had to import hundreds of millions of dollars worth of rice to keep the population from starving.

But it wasn’t enough.

And with hunger came riots. The country’s president wound up fleeing as protestors stormed the presidential palace.

Could the same happen here? Well, the USDA just announced an “Organic Transition Initiative” ... to make America’s farms organic... just like Sri Lanka!

Now I don’t like chemicals, but the yield on organic farms is 40% lower.

We cannot feed a country of 300 million on the half the food supply we currently have.

To match our current production of just one crop – soybeans – without nitrogen fertilizer would require a new area of farmland the size of the state of Kansas.

But farmland is disappearing... in part because farmland works great for solar power. As one wheat farmer put it: “if solar catches on like wind did, all this cultivated land will go out of production.”

There’s an old saying that “anarchy is just nine meals away.”

In America today, I don’t think it will take nine meals...

And look, I know all this sounds extreme.

Many people will refuse to believe me – no matter what the facts say.

Just like they refused to believe me when I warned about stocks... or inflation... and more...

In a moment, I am going to share some insights you can use to protect yourself... and even grow your wealth.

Understand: this is not about profiteering. This is about being in a position to help yourself and those around you. Your friends, neighbors, children, and grandchildren.

Because there will be winners in this crisis.

Right now there’s an asset you can buy a stake in for as little as you want. It’s not oil or gold. Yet, within the coming decade, I expect its price to rise 40 TIMES...

We have taken a lot for granted during the past 50 years in America – cheap plentiful energy, cheap plentiful food, and more (which we’ll get to in a moment).

I think we’re entering an era where a lot of people will lose those comforts we all take for granted.

The first super shock will hit our energy supply...

The second shock will hit a part of the US economy even more vital to your daily life... and crucial for your retirement...

The Second Super Shock: A Shortage in America’s
Most Valuable Asset

Back in 2021, at about the same time I predicted that oil prices would rise, I also made another prediction...

I saw inflation was going to turn into a real problem.

In February 2021 I wrote:

When I wrote that inflation was just 1.7%...well within the Fed’s 2% target range.

The government dismissed inflation as a “small risk.”

Treasury Secretary Janet Yellen and Fed Chair Jerome Powell said any inflation would be “transitory.”

People like me were mocked.

You know what happened next… Inflation spiraled out of control to a 40-year high.

Biden would love you to believe that inflation is now headed back down...

Truth is, our inflation problem is going to turn into something far stranger...

That may surprise you. After all, isn’t Biden literally printing trillions for his “relief checks” and green energy programs and everything else?

To understand this, we need to take an “uncensored” look at both American history and America today.

If you’ve ever had the feeling that America is headed in the wrong direction... that the quality of the life you get in exchange for a day’s work just isn’t what it was...

You’re right.

In the early 20^th century, Americans became if not the most, then among the most productive, innovative, and richest people in human history.

In 1870, the average American still burned whale oil and candles for light in his cabin. He got scurvy because he ate few vegetables (because he had no refrigeration). He had no running water and no toilet.

He was extremely poor. The average person living in the Congo today is richer than the American of 1870.

But by 1921, that American could drive a Ford... had clean water, modern toilets... ate Kellog’s cornflakes for breakfast, fresh vegetables year round, White Castle hamburgers, and drank Coca-Cola...

In 1870, he paid $20 for a kerosene lamp that could produce light equal to 5,050 candle light hours per year.

In 1920, that same $20 bought 4.4 million candle light hours from an electric bulb.

Instead of living in a cabin of rough logs and mud, he could order an inexpensive bungalow directly from Sears.

The trend continued to the 1970s. By then, 100% of households had electricity and refrigerators. We drove air conditioned cars, and flew in jumbo jets (sometimes at supersonic speeds which made it possible to go from Paris to New York in 2 hours 59 minutes).

We say that we live in an era of disruption today.

But there is a world of difference between making automobiles and electricity available to hundreds of millions... and inventing a new social media app.

By 1965, nearly every technology we rely on today... had already been created... even the internet.

But it wasn’t just that our technology got better.

We were vastly more productive than other countries, too.

In 1950 a European worker produced just 39% of what an American worker could produce in the same hour of work.

And then, the trend towards greater wealth, greater innovation, and greater productivity... stopped.

Between 1970 and 2012, productivity growth fell by two-thirds...

That’s despite American workers today spending 400 hours more per year on the job than workers in Europe.

Innovation, too, stalled...

That may seem surprising in an era when billionaires are literally going into space...

Yet, studies show that disruptive discoveries have plummeted across every scientific discipline over the last 50 years...

And the more effort and money we spend improving our lives... from our healthcare to our food to even our technology... the less we get.

A study by McGill University looking at America since 1965 found that the more we spend today on advances in cancer and heart disease... the fewer life years we actually save...

The same study found the same trend in farming; the development of new medical drugs; and even, surprisingly, computer chips.

It’s as if, despite all our efforts, American progress is being slowly destroyed by a force you and I have no control over.

And nowhere has that been more obvious than in our wealth.

And what’s the link with this second super shock?

Stick with me here... because what I’m about to show you explains so much about America today.

Let’s go back in time once more... to an even earlier time in America’s history...

During the Revolutionary War, Congress needed a way to pay for supplies and weapons. So they created a currency called the Continental.

America’s first experiment with debt-based currency

The Continental wasn’t backed by anything. And Congress printed millions upon millions of them. So their value collapsed...

Farmers and shop keepers stopped accepting Continentals. When the government tried to force them, they closed...

Back in school, you learned about the hard winter George Washington spent with his starving and naked army at Valley Forge.

Actually, there was plenty of food and clothing to be had in America. But not for a Continental.

By 1780, the Continental was worthless.

After the Continental disaster, America replaced its debt-based money with a money system based on gold and silver.

That may sound technical... but stick with me...

The problem with currencies like the Continental, which are really just a form of IOU, is that they lose value over time... sometimes very quickly...

Because of that they don’t transmit productivity into wealth very well.

A worker has no reason to be more productive or innovate because every additional dollar just loses value.

Gold and silver backed dollars, on the other hand, increase in value over time.

That is, they transmit productivity gains into wealth exceptionally well, rewarding the most productive and innovative worker.

Cue productivity and innovation exploding... and a massive growth in wealth.

Because that’s how wealth is created: it’s not just resources... and it’s not just work... it’s the productive and innovative use of resources.

As I’ve already shown you, during the 1950s peak we were vastly more productive than other countries... and we were much wealthier too.

But starting in the 1960s, America began to change...

This is John Galbraith, a Harvard professor and advisor to Presidents Kennedy and Johnson.

He was also major figure in the Democratic Party arguably creating the modern “social justice” and “woke” movements.

You may have never heard of Galbraith, but you could argue that he is one of modern America’s founding fathers.

Foreign Policy once called him America’s “Economic prophet.”

The Wharton Business School once called him the “economist of the American Century.”

His influence spread outside America too... after the death of Mao, for example, China used his work to model their current society. (You’ll see why in just a moment...)

Galbraith believed America needed a “new socialism.” He advocated for centralized control of the free market, guaranteed income, the forced conversion of private companies into public companies, higher taxes, price controls, and more...

Influenced by these ideas, President Johnson began a vast expansion in the size of our government... “the Great Society” he called it...

That expansion cost a lot of money that America didn’t have. And our allies at the time, notably France, knew it.

They began trading in all their dollars for gold.

By the time Nixon got to office, he faced an impossible choice: either sell out America’s gold or abandon the gold standard entirely.

In 1971, he severed the link between the dollar and gold...

Essentially, he converted our money back into a Continental.

Sure enough, since that day the dollar has lost 85% of its value...

You’ve already seen how productivity... innovation... and our wealth collapsed.

But that’s not all...

To lower costs we sent jobs overseas while investing less at home... effectively destroying entire towns that had once relied on good factory jobs...

That led people to become more reliant on government, insurance companies, and lawyers... causing a politics of “victimhood” and “disability” to take hold...

Our families became more brittle ... raising divorce rates and creating a generation of angry kids that we tried to correct through the “self esteem movement” in the ‘90s... (with little success... today 60% of young men are alone...)

But wait... if the old Continental collapsed within a few years, why hasn’t our experiment with the new Continental ended the same way?

Because of debt.

As our economy began to stall out, our government came up with a novel solution.

You’ve heard of the Fed raising or lowering interest rates...

Lowering rates makes money cheaper... that is, it’s less expensive to borrow, which essentially creates new money without officially printing it.

Starting in the early ’80s, the Federal Reserve began lowering the price of money to a fire sale...

Government cuts price of money by over 70%

That kickstarted an orgy of borrowing: our government borrowed... our citizens borrowed... our corporations borrowed...

More debt than can ever be repaid

It’s like if you kept taking out mortgage after mortgage on your house.

Well after a while, it might look like you still owned that house, even though you didn’t own an inch of it.

You might look wealthy. But in fact, you’d be broke.

This is America today. We look like we have money. In fact, there is very little actual money – money that truly represents wealth – in America today.

That is a disaster waiting to happen.

And disaster very nearly did happen back in 2008...

In the years before 2008, the government decided to boost homeownership by “encouraging” banks to give out loans to the worst possible borrowers. They made it illegal not to.

During the Clinton administration, quotas required 50% of all mortgages go to the worst borrowers in any given area.

The banks went along with it because the government agreed to make good on those borrowers through entities like Fannie Mae and Freddie Mac. (Remember them?)

Result? A massive debt bubble formed in our housing sector.

And when that bubble imploded, in the 2008 financial crisis, it nearly took our banks and your savings down with it.

I was writing about finance for The Wall Street Journal in New York City back then. I vividly remember then-Federal Reserve Chairman Ben Bernanke and then-Treasury Secretary Henry Paulson warning of the possible failure of the entire American economic system.

I also happen to know that congressmen and bankers were literally calling their wives in secret and telling them “go to the ATM, take out everything you can.”

Faced with that crisis, the folks in Washington ran the same ol’ playbook.

They made money cheaper... and they borrowed more...

But that wasn’t quite as effective as it had once been...

So they began outright “printing” trillions of new dollars and mainlining them right into the economy.

It was the advent of a new phase in the post 1971 experiment...

All that money acted like jet fuel to the trends already underway...

The rich got much richer as the stock market went crazy... inflating a bubble in start-ups and tech stocks...

The poor and middle class lost more and more ground...

Consider what it does when most people get poorer no matter how hard they work... while at the same time billionaires are being created out of thin air...

Might that start to corrupt how Americans think... how they spend... how they save... even how they vote...?

Might that turn people against traditional American values... like the 51% of millennials who now believe the First Amendment – which guarantees freedom of speech – is outdated.

Might that cause people to lose touch with how wealth is created to begin with... like the quarter of Americans ages 20 to 34 who weren’t even looking for a job back in 2021 ... or the quarter of Gen Z who plan on becoming social media “influencers” for their career...

Should it surprise us that young people are angry when they discover they can’t get rich and famous doing nothing?

Should it surprise us that more and more people cling to identity politics like race and income level?

Should it surprise us that people are turning to radical ideas to address the problem?

This is an actual headline I saw recently in the New York Times:

And under the guise of “reparations” San Francisco is planning on giving $5 million to every Black resident...

Aims aside, these programs are obviously unworkable...

But if all you’ve known is this post 1971 world, or worse, the post 2008 world, maybe they don’t sound so crazy at all.

Of course, that’s no more true today than it was back in the days of the Continental...

Wealth is a function of the productive use of resources...

If you lose touch with that... then you start living in fantasy...

A fantasy... where you can swap out a productive fuel like oil and gas, for a less productive fuel like solar or wind... and pay no price.

A fantasy where you can force every farm to go organic... and no one starves.

A fantasy where you can print all the money you want... and never pay back your debts...

That’s when the lights shut off... the fields lie fallow... the grocery store shelves go bare... and people with nothing to lose start massing in the streets...

There’s a principle in economics called Gresham’s Law. It states that “bad money” – like debt or debt-based dollars – eventually drives out “good money” – that is, money that represents real wealth.

We have pumped so much bad money into our economy over the last several decades that when we finally NEED good money... we’re going to open up the coffers and find we don’t have any.

Now the good news is that I don’t think we’ll get that far.

The bad news is that America will be in crisis long before then.

In total, in the span of 3 years, our government injected $7.3 trillion more “bad money” into our economy.

...creating what hedge fund manager Mark Spitznagel calls:

“objectively the greatest tinderbox-timebomb in financial history.”

This is very similar to what happened in Argentina by the way.

At some point in their history, the Argentines lost touch with the connection between work and wealth...

They had so much of everything... if every citizen wasn’t rich, it must have been because a failure of central planning.

So they created within Argentina a “charity society” – supported with massive government spending, massive welfare programs, wealth redistribution, nationalized businesses and resources...

Before long every citizen became a millionaire... even as they starved.

Inflation ran as high as 5,000%... meaning that your $1,000,000 in the bank became $20,000.

Naturally, people tried to get their wealth out of the country and out of the Argentine peso.

So the government eventually blocked people from doing either... and shut down their bank accounts altogether.

Riots and looting followed soon after.

"It was surreal. We were driving back from [the store] just as we used to do every week, and there were barricades and fires on almost every street,” said one witness to the events.

When the people were finally able to access their accounts, the bills they got back were worth a fraction of what they’d put on deposit.

“Of the 77,000 dollars I had in the bank, I lost 40,000 … That December was terrible, there were riots everywhere,” an Argentine man later recounted.

He was lucky. His mother went to her grave wondering if she’d ever get her savings back.

Another man told the New York Times at the time:

“I cannot walk down a street in Argentina today without having to avoid someone -- a man, a woman or a whole family -- searching through a mountain of garbage … it breaks my heart …”

Think about that for a moment...

Among Argentine companies that even had a credit rating, a whopping 60% went broke.

Could half of America’s companies go bankrupt?

Here’s a disturbing truth about America’s corporations:

The only reason these companies are still in business is that rock bottom interest rates have allowed them to refinance again and again... kicking the can down the road.

But as you know, rates are no longer rock bottom.

As Bloomberg recently warned: “the end result could be a prolonged stretch of bankruptcies unlike any in recent memory.”

Those bankruptcies will be a big deal. These are companies whose products you and I use every day... They employ millions of people.

And by the way, in case you don’t think this threat is real: rising rates are exactly what led me to warn in October of 2022 that bank failures were on their way, and said the trouble at Credit Suisse could turn into “a very large matter.”

Sure enough five months later, four major banks, including Credit Suisse, failed... due to rising rates.

I think there’s more to come...

As the Economist recently put it: “a reckoning has begun for corporate debt monsters.”

And just as corporate “zombies” are facing problems with rising rates... so too are other borrowers... like the US government... US banks... and the millions of Americans already living off their credit cards with car payments and mortgages they can barely afford...

So where does this house of cards begin to fall apart?

Fact is: I don’t know.

A cold snap sweeps over the Midwest... a heat wave melts tires in California...

A bankruptcy... a corporate household name’s demise splashed across the front pages of your newspaper... or being talked about on the evening news...

Or maybe the US tries to buy oil or food from a foreign “ally”... And just like those shopkeepers back in 1780, our ally says “of course...but not for a dollar.”

This is a more likely scenario than you think...

What happens when we try to buy fuel...or food...but no one wants our dollars?

Will we soon be living like Washington’s army at Valley Forge? Cold and starving as the rest of the world refuses to accept our “new Continental”?

And look, maybe I’m wrong. No one gets it right 100% of the time. And you should be skeptical of anyone who makes that claim.

For example, I was early to see bitcoin’s enormous potential as a decentralized technology. The price of bitcoin was around $20,000 at the time. I calculated that it would hit at least $100,000.

Yet, it only would up going as high as $69,000.

But there’s a saying where I come from in Louisiana: “poor people plan for Friday night, rich people plan for three generations.”

Betting on the exact return of any asset is pure Friday night thinking. It’s missing the “three generations” picture.

Because let’s say I’m only 70% right about the exact numbers in this case... but still right on the overall trend as I was with bitcoin.

Well, you’re welcome to email me to say I was dead wrong.

But something tells me you’ll have bigger worries.

And look, I take no pleasure in saying that.

I lived through the energy and inflation crisis of the ‘70s.

I remember that era well... fights breaking out as gas stations... lines for what seemed like miles... lost jobs... stunted careers...

My mother had to work. She couldn’t stay home with me. So my grandmother raised me (and she worked too!). I remember sitting with her to cut coupons. She put on a good face. She didn’t want to me see how tired and worried she was.

But of course I knew.

Right now, I want to talk about what you can do... today... to protect your wealth and freedom in the days ahead.

The reality is that not everyone will experience the 2020s equally.

There are certain assets and trades that, if made now, could return more wealth in the coming years than you’ve made – maybe ever – on an investment.

But most people have the wrong approach to preparing for events like these...

Some assume the money they have tied up in their house will be safe...

Or they just figure that if they hold the right stocks eventually the market will rise again.

Here’s why both are risky assumptions to make right now:

Several decades after Argentina crashed, America saw another competitor emerge...

I’m talking about Japan.

After World War II, the Japanese took America’s productivity secret and ran with it.

Japanese workers produced cars about 5 times faster than competitors.

But it wasn’t just cars. It was wrist-watches, radios, tape recorders, pianos, cameras, bicycles – all taken over by the Japanese.

That translated into enormous wealth.

So much wealth, in fact, that by 1988, it seemed inevitable Japan would become the next super power.

Little did Kissinger realize that in Japan, a simple, yet dangerous idea was taking hold.

Japan was creating debt at an alarming pace.

That had real effects. For example, loans to actual industry dropped. And loans to investment banks and speculators soared...

In other words, they turned their backs on what made them so successful to begin with.

Predictably, their credit markets collapsed, their loans went bad... all the money they thought they had sloshing around... simply wasn’t there.

Today, Japanese wages haven’t increased since the early 1990s.

And the government had to intervene in order to stop every major bank from going broke until the late 1990s.

A study conducted 17 years after the crash, showed that Japan had one of the lowest levels of entrepreneurial activity among developed countries - similar to Italy or Greece.

The Japanese productivity miracle was over.

And what about their stocks?

Their stock market has still never recovered.

Real estate was even worse...

28 years later, real estate values were still just half of what they had been before the bubble popped...

Turning back to the US: if stocks and real estate can’t offer a safe haven... what can?

If you invest at all, you might suspect the answer is gold bars or funds.

But that’s not actually what I would point you towards first.

Don’t get me wrong – I’ve been moving some of my wealth into gold for years. I estimate I’ve already converted at least 20% of my personal wealth into gold and related investments.

It’s been highly profitable.

In the past two decades, as the government has dumped trillions of extra dollars into the economy, gold has risen in value by 500%.

I project it will run much higher from here.

But before you go buy gold, let me show you something my team and I have been working on for the past several months... and where I’ve personally been putting a lot of my wealth.

Step 1: Will A Shortage in This Key Asset Lead to a
40x Price Spike?

The big theme of this 2^nd super shock will be the shortage of money – that is, the shortage of assets that store and transmit real wealth.

To that end, my team and I have put together a special dossier called The Best Performing Asset of the 2020s.

I realize that title sounds like hyperbole. And it is.

Obviously I don’t know what asset will the best performer of the 2020s any more than you do.

But I do know that as real money becomes scarce, it also becomes extremely valuable.

And “real money” can take on some strange forms in a crisis.

During Venezuela’s recent hyperinflation, citizens switched to using “crystal coins” from a popular online video game.

Others switched to buying goods with gold flakes from illegal jungle gold mines...

Predictably gold skyrocketed against the Venezuelan bolivar...

...and that wasn’t even the worst year of the crisis.

In The Best Performing Asset of the 2020s. you’ll learn about the number one asset I recommend as a form of money – and why I expect it to rise in value 40 TIMES over the next decade (though as you’ve just seen I wouldn’t rule out things happening in a matter of months either).

You might be surprised. And fair warning: it is not a trade for the light of heart.

But the good news is that you can buy it for a few dollars, so you don’t need to risk much.

The reason I believe this asset will be so highly sought after as a form of money is that it is inextricably linked to the productive use of our resources.

It is the direct manifestation of innovation, productivity, and energy put to work.

I’ll lay it all out in my special report The Best Performing Asset of the 2020s.

And there’s a lot more too, including

A Step-by-Step Guide on How and Where to Buy This Asset (get this wrong and it’ll cost you…)
The Expert Strategy on How to Keep Your Holdings 100% Secure (the same strategy I use)…
Plus my insights on gold and silver including: My #1 Gold Investment Right Now .... The Super-Popular Gold Investment You Must Avoid .... The Easy (and Affordable) Way to Store Your Gold and Silver in Highly Secure, Instantly Accessible Overseas Vaults... and more...

If you do nothing else today, I advise you to read this dossier.

In a moment, I’ll share how you can get your copy.

But first, I’d like to share another important step you should consider right now.

Step 2: Own These Hidden Energy Giants

As you know from earlier, politicians and companies pandering to “woke” investors have created a massive shortfall in America’s energy supply.

It will result in a painful moment for many.

But it could represent a generational windfall for some.

This fact is not lost on America’s elites, especially those in Congress.

For example, a 2021 study found that 21 of the “greenest” democrats in Congress all had investments directly in or tied to oil and gas including Chevron and Exxon.

And you can see why... While the rest of the market collapsed in 2022, those stocks have roared to new heights...

But I think the real opportunity lies in a special kind of energy investment that few investors know about – a group of “hidden energy giants” who operate out of sight and reap huge profits.

Certain members of Congress appear to agree...

One of these “hidden giants” boasts insider level connections to one of the most powerful democrats in Congress... (though he has never publicly acknowledged it that we know of)

In fact, at least 7 members of Congress have a few thousand to a million invested in this company.

You’ll learn everything you need to know about it in the special report I’ve prepared, The “Hidden Energy Giants” of the 2020s.

In a moment, I’ll show you how to immediately access to both of these special reports, for free.

Before I do, though, we need to talk about the third super shock... and what happens to America after those first two dominos fall...

Step 3: Protect Yourself from the Third and Final Super Shock…

Once the energy shock hits... and the dollar shock hits... here’s what I see happening:

At first, we’ll see more handouts…

Could you imagine seeing “climate change relief checks”... or “social justice” checks...?

I certainly can.

Then, we’ll see more controls over your bank account...

When a European country went through a crisis like this, they ordered banks to close and imposed a $67 limit on ATM cash withdrawals.

Huge lines formed at ATMs as people desperately tried to take out cash.

The elderly stood outside the shuttered banks, wondering if their social security would be paid.

This happened in 2015, by the way. In a modern, wealthy country.

This is how it always goes… Eventually, the measures necessary to keep the fantasy going get more and more extreme...

We’ll see more attempts to regulate what private citizens do... what we eat... what we buy... even what we say.

I think we’re already seeing the early stages of this...

For example, a new Biden order aiming to reach “net-zero” is part of a push to most likely ban all gas-powered cars eventually.

Now I don’t like paying for gas... I’d drive an electric car happily.

But electric cars can’t accommodate most working people in the US.

Even the New York Times admits: “an uncomfortable truth remains: Battery-powered cars are much too expensive for a vast majority of Americans.”

...and that’s with the nearly $2 trillion Biden has put on the table in tax credits to electric car buyers.

Do you see how this works? Forcing everyone to buy electric cars... then no one can afford them... then the government needs more money to subsidize those cars and build the infrastructure for them...

I suspect that’s why Biden recently issued an executive order to push for a major change to our financial system...

To most people it will sound technical... yet to those understand it, this change paves the way for unprecedented control over what you buy... where you keep your money... the causes you contribute to... and, most importantly, how much your dollars, your savings, are worth.

Robert Kiyosaki, author of Rich Dad, Poor Dad, has called Biden’s executive order “the most treasonous act in US history.”

Former CIA and Federal Reserve insider Jim Rickards has called this “Biden’s most enduring legacy.”

Rickards goes on to explain that this change has “enormous political implications, including the culmination of the total surveillance state. This is why China did it. And don’t believe anyone who tells you that the United States won’t do it.”

Look, I’m never one to promote conspiracies.

And I don’t think people working in our government and institutions are bad people. I’d guess most of them really believe they’re trying to save America.

Sadly their methods are both reckless and dangerous, and YOU, not them, will be the one expected to pay the price.

Now I realize we’re running short on time.

So I’ve prepared a full resource you can use to learn all about this third super shock.

It’s called The Era of Super Shocks. Not only does it provide a refresher on super shocks 1 and 2... but it also details exactly what comes next... the third domino to fall.

As you’ll see, the third super shock involves a prediction I made awhile back that we haven’t spoken about yet here.

And a “hidden” clause built into the Constitution itself by the Founding Fathers... a clause that has never been enacted in US history.

In a moment, I’m going to share how you can get access to all these dossiers.

But first, there’s one more resource I want to give you.

It’s called How to Profit From Farmland…Without Ever Owning a Farm

Farmland has almost doubled in value since 2007. In fact, for two decades, it’s been quietly outperforming the S&P 500 in average annual returns.

But this is just the beginning… I predict the value of farmland could double or even triple from here.

And here’s thing: You don’t need to own a farm to benefit from this trend…

In this report, you’ll discover... my 5 favorite ways to play farmland… including a simple way to profit from farmland right now from your computer, tablet, or smartphone.

Today, I’d like to give you immediate access to these four special dossiers.

I also want to include one more thing...

As I mentioned at the beginning of this presentation, I share my insights with a small group of private readers through a newsletter called Global Intelligence.

Unlike other newsletters you may have seen out there, Global Intelligence is 100% independent. I have no trading system to sell you. I don’t accept money from banks or brokers.

Global Intelligence is a newsletter for “three generations” planning... not next Friday night.

It was in Global Intelligence that I warned readers about the coming inflation crisis…

...that I told them about the impending spike in oil prices…

This isn’t just some “pick of the month” newsletter.

For example, at the end of each year I give a brutally honest review of the investments I recommended in the previous 12 months.

In 2022 I had some speculations that became downright stinkers when the Fed raised rates and sent the economy into a tailspin. Maybe you did, too.

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And if there’s an area I’m not an expert in, I call in a favor from someone in my network to come provide my readers with their analysis – at no charge.

For example, in November of last year, I brought in an expert on investing in foreign countries with high inflation... Before that I had an expert on Asia come in to talk about problems in Chinese real estate and their impact on the world economy...

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Today, along with your special reports, I’d like to include a full year of Global Intelligence.

Step 4: Your Private Network of Free Thinkers and Experts

Here’s another way in which Global Intelligence stands out from others...

I see some newsletters out there charging readers $1,000... and more!... for monthly analysis.

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By now you should see a link below this video. Just click that to get started. You can review everything on the next page.

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Here’s something else you’ll find there...

Recently, the US Department of Energy quietly began amassing a “strategic stockpile” for a rare metal that contains a type of energy found nowhere else in nature.

Already governments around the world – including the UK, Japan, and even the US – have earmarked trillions to extract this metal’s energy.

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I lay out the full case for this energy metal and the company behind it in a special report: The Energy Metal That Saves America.

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It’s that simple.

Just hit the link below to take advantage of this offer right away. You’ll have a chance to review everything on the next page.

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We have turned our backs on the source of our wealth and power... in favor of a fantasy.

A fantasy that we can print and borrow as much as we want... or ditch dirty fuels in favor of solar power or windmills... or feed our country (plus all the foreign countries who depend on us) with organic farms...or make everyone “equal” by redistributing wealth...

It’s not that these ideas aren’t nice. It would be amazing if the world worked that way.

But it doesn’t. I’m sorry but it doesn’t.

And look, eventually I believe there is a bright future for America. Truly.

But that it may take a decade or even two of real instability to get there...

Remember Japan... whose stock and housing markets are still not where they were decades ago.

Remember Argentina... once the envy of the world... and still stuck in an endless cycle of inflation and crisis...

Remember Venezuela... with more oil than Saudi Arabia... and once the fourth largest economy in the world (far richer than China!)... and now its citizens are forced to carry around illegal gold flakes or trade digital crystal coins from a video game...

Think it can’t happen here?

That’s what they said when I predicted inflation... spiking gas prices... when I told people I had sold 90% of my stocks... that banks would fail... Yet each time I was vindicated.

Human beings have an inherent bias against believing big change is possible. It makes sense. After all, if early man couldn’t trust the coming of spring and summer every year he might never have planted crops.

But the flipside is that most people find themselves caught off guard when big shifts actually do happen...

This is the moment you need to make a decision. Will you be informed? Will you be prepared? Or will you just get pulled along with the current like everyone else?

I’ve done all I can to make this easy for you. It’s all at my risk. It’s at the biggest discount I can afford to give you. I’ve shown you the facts behind my conclusions.

All you need to do is click the button below to get started...

Hit the "Add to Cart" button now.

You’ll be taken to a secure order form where you’ll be able to review all the details.

I look forward to welcoming you to our group.

Jeff Opdyke
Editor, Global Intelligence
April 2023

P.S. On the next page, you’ll also find a special “fast action bonus” when you act today. But this fast action bonus expires soon. Clicking to the next page does not obligate you in the slightest. Simply click the button below to get started.

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Portugal All Access

Tue, 19 Oct 2021 12:35:26 GMT

Portugal offers you 1,115 miles of gorgeous coastline, historic castles and ancient ruins, a snow-free climate, your own dream home on a budget, and some of the friendliest people in the world…

It's likely one of the safest countries you'll ever visit… with the lowest cost of living in Western Europe… and one of the top healthcare systems anywhere…

Is Portugal the World's MOST AFFORDABLE COUNTRY to Live a Rich Life?

Here's What You Need to Know…

Dear Reader,

If you can't choose between the many retirement havens that might suit you, allow me to save you some time. Not too long ago, my friend Terry was in a similar situation—and after exploring more than 40 countries, she found the one place that offers everything…at an unexpectedly low price.

She says, “I remember my husband saying that people like us didn't go to Europe...that only rich people go to Europe. Yet in Portugal, we saw our expenses fall compared to what they were back in the U.S.

Hi I'm Dan Prescher. If Portugal isn't on your shortlist yet, here's why it belongs at the top…

Portugal is an ocean lover's paradise, with hundreds of golden-sand beaches all along the coast (and most of this country is coast)… mountain highlands, with hills of heather, oak forests, and canyons sprinkled with tiny villages… fertile farmland that stretch for miles… sophisticated university towns… and wonderful vineyards that wind their way along the Douro River…

Yet a couple will only need $2,200 a month or less to live well anywhere in Portugal—even in the Algarve, home to exclusive beach resorts and some of Europe's top golf courses.

It's Official: Portugal is One of the Safest Countries in the World

According to the IEP's Global Peace Index 2020 (which measures safety, stability, crime rates, and more), Portugal ranks third in the world.

Iceland
New Zealand
Portugal
Austria
Denmark
Canada

The warm and welcoming people love their local festivals and small town markets, and everyone is invited to join in the fun.

When it comes to fitting in, there is practically nowhere better—Forbes has called Portugal one of the easiest place in the world for visitors to make friends.

You'll find culture everywhere. Portugal is dotted throughout with castles and cathedrals, plus magnificent Roman ruins… and Moorish, Gothic, and Romanesque architecture.

Fascinating towns and cities of all sizes are everywhere, separated from one another by great green stretches of those vineyards, farmlands, forests, and rivers.

If, like my friend Terry, you're looking for the ideal mix of Western European culture, a warm welcome, more beaches than California, and a lower cost of living than Kansas… there can be only one choice.

As Terry explained, after investigating everywhere from Panama to several other countries in Europe, "Portugal wasn't just the best choice—it was the most affordable by far for what we were looking for…"

Portugal is the Best-Value Destination in Western Europe—and It's One of the Most Affordable Places to Live Richly in the World

First things first, take a look at how Portugal measures up:

Low cost of living. You can dine at a Michelin-starred restaurant for $28 (like Antiqvvm in Porto)… rent an oceanview condo on a golden-sand island for $550 a month… and play a round of golf on one of the Algarve courses for $50. The way Terry tells it—depending where you choose to live, you could expect to reduce your total expenses to about one-third to one-quarter of what you spend now.
Great climate. You can kiss those snow- and sleet-filled winters goodbye thanks to Portugal's sunny climate. With its Mediterranean climate, Lisbon enjoys the warmest winters of any large city in Europe.
Trusted healthcare. Portugal is known for its high-quality, professional health system, including nine JCI-accredited hospitals (the gold standard in international healthcare). According to the World Health Organization, Portugal has one of the best healthcare systems in the world—ranking 12th out of 191 countries. Yet this comes at a LOW price—that's why Portugal is gaining popularity as a medical-tourism destination. Private health insurance can cost less than $10 a month.
Safe and stable. Portugal is practically the most peaceful destination you could ever visit. The Global Peace Index is updated and published every year. Portugal always scores high—coming third in 2020, after Iceland and New Zealand. (Sadly, the United States is in 121st place.)
English widely spoken. Naturally, Portuguese is the official language of Portugal. But in the four main regions—Porto, Lisbon, the Lisbon Coast (like Cascais and Estoril), and the Algarve—you can easily get by with only English.

Portugal is the Perfect Size—Small Enough to Easily Explore, But Incredibly Diverse

Portugal has so much coastline, you are never far from a gorgeous beach.

You'll love beautiful, safe, cosmopolitan Lisbon, the jewel of Western Europe… the vineyards of the lush Douro Valley… the golf clubs of the Algarve… vibrant university towns… historic cities, green mountains, mesmerizing waterfalls, ancient castles… and all in a country the size of South Carolina

That's an impressive list, to be sure. Yet Portugal has so many more advantages.

It's the westernmost country in mainland Europe. Many airlines fly direct from North America to Portugal's three international airports, in less than 7 hours. So, it's closer than you think for when friends and family want to visit.

You'll likely make lots of new friends in Portugal. In 2019, InterNations conducted a massive survey of expats all over the world. The questions asked were about how friendly expats found their new communities, how easy was it to make friends, how the locals fit in with visitors, and how likely expats were to want to stay in their new country as long as possible.

Portugal came in third—one of the most welcoming countries in the world.

The Portuguese have a live-and-let-live attitude. You can sit for hours at an outdoor café nursing one cup of coffee or a glass of wine, and no check will appear unless requested. It’s normal for a person on a crosswalk to wave "thank you" to the driver who stopped.

And once you become friends with someone from Portugal—you will have gained a trusted ally forever.

Almost everything in Portugal is less expensive than you're used to. A restaurant lunch, including wine, often comes in at less than $10 per person, and a coffee at a pavement café costs less than a dollar.

A three-course dinner for two at a mid-range restaurant costs $55 in Paris and Rome, $50 in Madrid, but only $33 in Portugal's capital, Lisbon. Likewise, in budget-friendly Lisbon, monthly utilities for an 850-square-foot apartment can run you as little as $132, compared to $160 (Madrid), $209 (Rome), and $195 (Paris).

How Does Portugal's Capital City Compare for Cost of Living?

So How Do You Find Out if Portugal is Right for You?

Normally, Portugal attracts 22 million visitors a year from Spain, Italy, France, the UK, Canada, the U.S. and elsewhere. What makes some of those visitors—like my friend Terry that I mentioned earlier—want to spend as much time as possible in Portugal?

The low costs, obviously, are a big draw. From its cosmopolitan north to its beachy south, Portugal is the best-value retirement haven you'll find in Western Europe—you can live comfortably on a budget of around $2,200 a month or less.

And there's something for everyone: white-washed villages with terra cotta roofs… cobblestone streets and elegant palaces… sandy beaches and green golf courses… and the whole country is filled with friendly locals.

That's why anyone who dreams of retiring to a place with beautiful scenery, better weather, and a far better cost of living… finds all that and much more in Portugal.

Still, it's a foreign country… If you decide to live in Portugal, you'll need a resident visa… You'll need to decide where in the country you want to live, and if you'll rent or buy a home or apartment…

You'll want to decide whether or not to ship your household goods…to buy a car or not…what you'll do about insurance and taxes…how you'll manage your banking and financial needs…

You'll want to understand the rules for importing your pets to Portugal…what kinds of vaccinations are needed…and on and on…

Even though Portugal was one of the friendliest places on the planet to retire to in 2019, there are many things to consider and plan for.

With something this important, you need reliable, up-to-date information you can count on, from a dependable, well-qualified resource.

That's where Terry Coles comes in, our Portugal Correspondent here at International Living.

Terry Coles,
Portugal Correspondent, International Living

For years, Terry and her husband Clyde loved taking vacations in Europe, but assumed that living in Portugal would always be an unaffordable dream. Then they did the math and realized Portugal is so affordable - their dream was easily in reach. In fact, they save thousands of dollars a year on health insurance alone…

Since moving there in 2018, Terry has visited much of the country. She’s lived in Central Portugal, surrounded by rolling green hills…and the legendary Algarve in the south.

Terry is constantly on the lookout for ever-better places in Portugal to live, explore, invest, and start a business… She has contacts in every area of the country and is on top of all the technical and legal stuff… the processes and requirements for buying, renting, getting visas and residency, building, renovating, furnishing a home, moving your household goods, buying a car, bringing your pets, and so on…

She knows exactly how much it costs to live in the different communities and regions of Portugal. And based on her own experiences and the experiences of the many expats she's interviewed over the years, she has a ton of tips and strategies to help you save both time and money when you visit or live in Portugal yourself.

The Cheapest Home in Portugal?

Outside Lisbon you can buy a city apartment for as little as $100,000; for something walking distance to the beach, the price goes up to $150,000; for spectacular ocean views in a popular beach town, expect to pay about $340,000 for a three-bedroom home. Though in lesser-known towns, a one-bedroom apartment with seas views can cost as little as $115,000."

And if you think Portugal may be the place for you, Terry is committed to sharing her real-world, on-the-ground insights with you.

Your very best course of action would be to go to Portugal in person and spend a couple of months kicking around the country with Terry. It would take about that long for her to show you, firsthand, everything she's seen and everything she knows that can help you streamline your own move to Portugal.

Spending time one-on-one with Terry would certainly "fast track" your research, no question about it.

But, of course, that isn't really a practical option.

So we asked Terry to create a personalized online virtual tour of Portugal.

It's a way for you to gain access to Terry's incredibly comprehensive and truly rich depth of knowledge and get "plugged in" to everything you need to know. A way for you to see for yourself, from the comfort of your own home or office, all that Portugal has to offer you.

It's an easy, streamlined, and most reliable way to get you from where you are now—to a better life in the perfect place in Portugal that's exactly right for you.

This is Your Invitation to Go "On the Road" With Terry Coles

No matter how many times you've been there… no matter how many books you've read or online research you've done… what you don't know about Portugal may surprise you.

International Living has been reporting for 40 years now about the benefits countries like Portugal offer retirees—and over the last three years, Terry has been asked to take on one of the most in-depth research-gathering project International Living has ever mounted on Portugal.

She's been challenged to dig deep… to round up all her intelligence and to assemble all this valuable information in one place…

And now we bring to you this project we call Portugal All Access: Your Blueprint for an Affordable European Lifestyle.

This has been no small undertaking. Even though Portugal is a relatively small country, it's large on opportunity.

In effect, Terry has been working on this project for three years… the entire time she's been in Portugal.

And take it from me, no one is better suited for this kind of challenge. Terry is one of the most dogged and diligent researchers I know. She digs deep. She answers the questions you don't even know to ask…

Best of all, she makes sure the facts are reliable and verifiable. You can be certain that what Terry tells you is correct and current… and that's probably the most important element in all this…

Things change. Rules are adjusted. Laws are reformed. New policies are instituted. You can't always rely on what you read online in expat forums or on the internet. You need a trusted resource. And that's Terry.

What she's put together is not just groundbreaking, it's almost overwhelming in its scope. It's a complete resource reference of everything you need to know about moving to, investing in, living in, and/or starting a business in Portugal.

If you can name it, think of it, or wonder about it, Terry has you covered. Every issue is addressed, every challenge is covered, and every question is answered.

The brand new edition of Portugal All Access: Your Blueprint for an Affordable European Lifestyle puts a huge amount of information, recommendations, tips, advice, and insights about living, traveling, and investing in Portugal in one place… in living color… on video.

It's the next-best thing to actually exploring the country with Terry in person. And it's the best way I know to not just "tell" you about all Portugal has to offer, but to "show" you so you can see it with your own eyes…from the comfort of your home.

With Terry as Your Guide, You'll Discover Everything You Need to Know About Europe's Affordable Gem

Michael D. zeroed in on Portugal as his overseas retreat because it offered him much of what he loved about living on the U.S. West Coast. "Hiking, mountain biking, surfing, and sunny weather," he says. Plus, the cost of living was lower.

In fact, Portugal's cost of living is lower than that of any other country Michael has lived in. "By 2004 I had lived in Norway, Sweden, Germany, and Spain," he explains.

Now he lives 20 minutes from downtown Lisbon with his wife Jayma.

"My grocery bill is about two-thirds of what I paid in San Diego, and I'm dining like a king on organic vegetables, fresh fish, and lobster."

Eating out is also inexpensive.

"Outside of Starbucks, espresso costs about 75 cents. Lunch—soup, main course, dessert, and beverage—in the Lisbon area runs between $8.50 and $12.50," Michael says.

Dinner in an upscale restaurant is $30 to $50 per person, though you can pay more. "For example, at the Grill Four Seasons in the Hotel Palácio Estoril, foie gras, crab soup, and a main dish of scallops and shrimp risotto will set you back $78. But then, it's one of the most exclusive establishments in Estoril, a resort town famous for being home to exiled European royalty and for Formula One motor racing."

The following monthly budget is a typical example of what two North Americans could pay to live in most neighborhoods of Portugal:

Housing (rent for a furnished two-bedroom apartment:	$700
Electricity:	$46
Water:	$23
Domestic Gas/Oil:	$35
Household help (maid twice per month, three hours per day):	$52
Internet package (includes cell phones and TV):	$86
Health insurance:	$112
Transportation:	$200
Groceries:	$460
Entertainment (including dining out once per week:	$290
Incidentals:	$230
TOTAL:	$2,234

Annette R. moved to the popular beach town of Cascais with her husband José.

Living in Atlanta, Georgia, they realized that "The economic forecast didn't look good for a soon-to-be-retired couple in the U.S." They opted for peaceful Portugal and couldn't be happier.

"We're never surprised by costs, other than to realize how richly we can live on our retirement income, beyond all of our expectations," Annette says.

Areas like Cascais and Lisbon require a monthly budget of about $2,500, but move 30 minutes away, and that figure drops to around $2,000.

There are three destinations in particular in Portugal where you'll find good-value living.

When you make your home in Portugal, you can live very well for very little money, that's true… But when you choose one of the lesser-known destinations Terry Coles has identified, you can live like royalty.

Lisbon is Europe's most colorful, and best-value, capital city—from the brilliant blue waters of the Tejo River and Atlantic Ocean to the sunny yellow cable cars, to grassy green parks. In the Rossio, one of the oldest neighborhoods in the city, outdoor cafés and restaurants beckon passers-by with the aroma of fresh-baked breads and pastries, grilled fish, and cuisines from around the world.

But even there you can find a rental in the most central neighborhoods, right in the heart of the action—for less than $1,000 a month. (Try showing a check that small to an agent in Paris or Rome!)

But when you look beyond Portugal's more touristy destinations, that's where you'll find big bargains.

Terry's done a lot of digging, and along with the more tried-and-true communities popular with expats, she's pinpointed three special destinations—including an overlooked section of the Algarve—that you'll want to take a look at if you're considering retiring or starting a new life in Portugal.

You'll find all the details in Portugal All Access: Your Blueprint for an Affordable European Lifestyle.

Now… if you're doing your research on moving to Portugal, I know there's one more thing that surely must be on your mind…

Portugal's High-Quality, Low-Cost Healthcare

Portugal is known for its quality, affordable healthcare, which is attracting more and more "medical tourists". In fact, a World Health Organization ranking of global healthcare systems places Portugal at number 12 of 191 countries.

Medical care is available everywhere through the public healthcare system. Private insurance is readily available, and one company accepts new customers up to age 75 (once in the plan you will not be cancelled).

Depending on your age and health condition, private insurance can be had for less than $10 a month, although usually it is more in the $50 a month per person range.

Healthcare in Portugal costs a fraction of that in the U.S. and Canada.

A hip replacement costs around $10,000 in Portugal, compared to as much as $44,000 in the U.S.

A visit to the dentist will cost about $50.

Are You Ready to Learn More About How Easy and Affordable it Can Be To Retire to Portugal?

There's no better resource than Portugal All Access: Your Blueprint for an Affordable European Lifestyle.

It's not like anything else International Living has ever produced on this country. As I mentioned, Terry has worked on this for three years. She's literally spent tens of thousands of hours on the ground in Portugal, doing research, collecting data, conducting interviews, and more…

Then she went into the studio to assemble a comprehensive series of 14 professional videos to bring her research to life. You can see, feel, and almost touch and smell Portugal.

You'll travel along with Terry as she introduces you to the 18 different regions of Portugal… and to many communities in each of those that make for easy and affordable expat living.

And yes, you'll discover the three little-known areas—including one on the Algarve—that Terry believes are well worth your attention right now. These are places your fellow expats have yet to discover in large numbers. Prices are low and opportunities are sky high.

To make a point here, this is no static report. It's not a manual…or a website…or a conference. Think of it more as a high-level "virtual conference," but much better…

Because instead of sitting in a room all day watching a parade of speakers up at a podium, you'll access these videos online from the comfort of your home, and you'll get to see and hear directly from Terry, our in-country contact in Portugal.

She's the best Portugal expert we know and in this blueprint, she takes you by the hand and not only introduces you to "her" Portugal, but she gives you the tools to make it "your Portugal."

Along with the six in-depth "destination" videos, Terry has produced eight more "need-to-know" videos with advice about Portugal that will save you time, headaches and boatloads of money.

Here's just some of what's covered in Portugal All Access: Your Blueprint for an Affordable European Lifestyle:

Your best resident visa options. There are several you might qualify for, but which is the best for your personal circumstances? Video #9 in the series is devoted to this topic and can help ensure that you don't make any costly mistakes. Of course, you should find an attorney who works best for you (see the Portugal All Access legal resource rolodex for some contacts), but this video can give you a sense for the most important questions to ask.
Your healthcare options. Intro. In Video #8, she shares her experiences and gives you the full rundown on the options that make the most sense, including how you could qualify and what her costs have been. (You'll be pleasantly surprised at the low cost of excellent and readily available medical and dental care in Portugal.)
How to safely purchase real estate in Portugal. Legal processes are a bit different in Portugal and having the right guide to those rules and procedures is invaluable—and that's exactly what Portugal All Access and the legal resource guide offer.
What about shipping your household goods and your car? Should you? Why might you be better off buying a car in Portugal? Believe me, this is the kind of insider information you need. Terry clarifies import taxes, explains how much cars can cost, and the best kinds of cars to drive in Portugal… She explains whether or not you'll need a local driver's license (you won't for the first six months) and how to get one…
How to structure your finances… where you could bank, how to pay your bills…
How to get mail delivered…
What about communicating? What kind of phone and internet service should you expect in Portugal… how to best (and cost-free) communicate with friends and family back home…
How to find a good doctor… where to get the prescriptions you need and how much they might cost…
How to bring your pets to Portugal…
What to expect in the way of taxes, both at home and in Portugal (in most cases, not much, thankfully)…and much, much more.

Importantly, you'll discover how to save even more money when you live in Portugal. It has more to do with picking the right place to settle… choosing the right kind of home to live in, and so on…

Terry offers all her tips and insights that will have you starting on a well-planned, streamlined course…

Best of all, she even provides a step-by-step Action Plan. If you've wondered or worried about how you might ever pull it all off… making a move of this type… worry no more.

If you're thinking of retiring to Portugal… or spending some extended time there… maybe opening a business or just reinventing your life… Portugal All Access is your very best resource.

It's the fastest, most efficient, most cost-effective way to get you quickly ramped up so you can get from where you are now to the idyllic spot in Portugal that's right for you.

And when you're ready to actually visit Portugal firsthand for yourself, you'll be able to use your time wisely—because in essence, you'll have already been there, with Terry as your guide.

You'll know where to go, who to contact, and the questions you'll need to ask along the way. Plus, there's more…

You Also Get 7 Comprehensive Special Reports including a Complete Resource Rolodex. These Are Not Available Anywhere Else

As Terry was taping the videos she created for the Portugal All Access: Your Blueprint for an Affordable European Lifestyle, she discovered there were a few topics that required some extra lengthy reporting… too much to record on video. So those have been assembled in a series of special reports—delivered electronically to get them into your hands as quickly as possible.

This is the kind of information you'll definitely want at hand as you prepare for your move to Portugal.

Special Report #1: Portugal Scouting Trip Itineraries and Travel Guide. If you've got one week, two weeks, a month or more to spend in Portugal, you'll want this guide. Terry and her Portugal team have planned all the details for you… from how to travel around to where to stay—hotels, short-term rentals and much more. You'll also discover where to play… dine… and more...even the popular hangouts where you can meet expats who may some day be your neighbors. Live links to websites and contact information is all there for your easy access.

Special Report #2: How They Did It: Meet Happy Expats in Portugal. Speaking of expats, sometimes it just takes a little motivation. That's exactly what you'll get in this special report. You'll meet expats in many different areas of Portugal, all living their dream lives under the European sun. They explain exactly how they did it (and how you can, too) and they share personal details you couldn't get unless you quizzed them yourself… Find out what they do for healthcare, how they fund an early retirement, how much they spend on a daily and monthly basis, what they do in their free time, and much, much more.

Special Report #3: Practical Matters: Taxes, Low Cost of Living, Residence, Moving Your Household Goods and Pets, and Doing Business. Yes, Terry covers all this in the video series, but as you can see from the lengthy title, this special report digs deep. You'll get comprehensive sample budgets and money-saving tips, a detailed tax primer, a full explanation of various visa options and a complete legal resource rolodex. And if you plan to move with pets (very easy) or children, or you're thinking of starting your dream business in Portugal, do not leave home without this special report. Nowhere else can you get this kind of valuable, all-inclusive information.

Special Report #4: Spotlight on the High-Quality, Low-Cost Medical Care in Portugal. This comprehensive report explains why Portugal has some of the finest doctors and medical training available anywhere. You'll also learn the differences between Portugal's public and private healthcare systems so you can make an educated decision about what to do for your personal healthcare needs when you move to Portugal. You'll get all the details (including costs) of the public health service, and why you should apply for a Portuguese social security health card (even though it's not required). There's also a rundown of the best private hospitals in the country and a list of some of the best local insurance providers—with full contact information. There's even a detailed review of private health insurance policies.

Special Report #5: The Guide to Renting a Home or Buying Property in Portugal. When you move to Portugal, you'll need a place to live. And whether you rent or buy, that means contracts. Word to the wise: Do not sign a rental or purchase contract without first reading this crucial information (when buying a home, the contract must be read aloud in front of all parties!) Everything is covered… from typical costs and how to find a rental to what to look for in a reliable real estate agent, how to get financing, where to get title insurance, the various title structures, the correct process for registering a deed, and much more.

Special Report #6: Something for Everybody: An In-Depth look at Portugal's Regions. If you want information about areas of Portugal that offer a combination of livability, affordability, beauty, and convenience—you'll find it in this special report. All the "personalities" of the top 18 locales in Portugal are sliced and diced for you (along with examples of properties to rent and buy in each region). You're sure to find a hidden gem that's perfect for you.

AND Special Report #7: Your Portugal Rolodex and Resource Guide. This is another document you won't want to leave home without. You'll find its pages packed full of resources that you can rely on to help streamline your scouting trip and your move to Portugal. Websites, email addresses, phone numbers, costs for services… it's all there… from accommodation (including pet-friendly hotels) and restaurants to airlines and shuttle services… to attorney, healthcare providers, social groups, moving/shipping and English-speaking real estate contacts, language schools, vets and much more, including handy travel apps you can load on your phone or tablet to make navigating your way around Portugal as easy and inexpensive as possible.

One More Thing: The Portugal All Access Mastermind Session…

Once you've had a chance to review all the videos and reports in your Portugal All Access (and that will take some time, we know…) send us any questions you have via a special e-mail address we'll provide.

A couple weeks from now, Terry Coles will host a follow-up Q&A Session where she'll answer your Portugal questions in detail. You'll receive advance notice of this special "Portugal All Access Mastermind Session" so you can tune in—and we'll also archive it for you on the Portugal All Access website so you can watch it any time you like.

All You Need to Do Now is Place Your Order—and SAVE

If you wanted to track down all the intelligence we hand over in Portugal All Access, you could probably do that.

Ask Me Anything

Terry Coles

"When you're one of the first people to accept this invitation to try Portugal All Access, you'll receive a priority e-mail address to ask me anything about living, retiring, and exploring Portugal. I'll use these questions in my Portugal All Access Mastermind Session—but only folks who respond today during this charter offer will get to take part. I look forward to showing you Portugal!"

But it would take an investment of many months… likely 3 years or more, in fact. That's how long Terry has been at it.

And you'd likely have to pull thousands of dollars out of your pocket.

In the years that Terry has been traveling the width and length of Portugal, and living in the different regions, she's racked up tens of thousands of dollars in expenses for airfares, bus fares, car rentals, gasoline, accommodations, meals, and more.

Over three years living in Portugal, she's spent many hours consulting with attorneys, healthcare professionals, real estate experts, insurance and shipping experts, and more… as well as interviewing and socializing with expats from dozens of countries.

To be honest, on your own you'd have a very difficult time tracking down all these people… and accumulating all the intelligence Terry has amassed.

My point: Portugal All Access delivers exclusive access…

It hands you on-the-ground solutions that would likely cost you—at a minimum—$10,000 to gather on your own.

Probably more like twice that. (Terry has spent far more than that on this project already.)

But you don't have to spend anywhere near that kind of money to gain the intelligence she has to share.

Terry has done all the work for you in compiling all her research, has saved you a ton of money.

(The Rolodex and Resource Guide is in itself invaluable. Think how much time and money you'd spend doing online research, making phone calls, and pounding the pavement to find these dependable local contacts on your own. And the Scouting Trip Itineraries and Travel Guide… I assure you this is the easiest, quickest, and most reliable way to plan your own scouting check-out trip to Portugal. It's all there for you. No extra work for you to do. No second guessing or costly mistakes.)

We could reasonably ask $1,000 or more for this program, which reveals tips and secrets about Portugal you won't find anyplace else.

But we won't charge you $1,000 for access… even though it would be worth every penny.

But because of your interest in Portugal, you can get Portugal All Access: Your Blueprint for an Affordable European Lifestyle for just $499.

And remember, that covers everything—including the SEVEN SPECIAL COMPANION REPORTS, that complement the comprehensive videos.

But please order Portugal All Access now, because in just a few days, the price goes up.

Now's the time to take advantage of this special deal.

As you know, there's only so much you can absorb when you're reading about and researching a place. You do a "Google search" and tens of thousands of links come up. It's so hard to know whose opinion to trust. And the sheer volume of information can be overwhelming.

But that's what makes Portugal All Access so special—and so useful. Terry Coles shares her real-world insights directly with you via video. She cuts right to the chase, right there in living color, and she answers every question you're likely to have about Portugal. I guarantee it.

Our Rock-Solid, Triple Guarantee Means No Risk for You

Guarantee # 1—I guarantee this Portugal All Access will help you find the perfect Portugal lifestyle that's right for you. A place where you can live better than ever… stretch your retirement dollars… and have the time and funds to travel, relax, and enjoy life…

Guarantee # 2—I guarantee it will show you the real-world solutions you need to get from where you are now to where you want to be… so that in just a handful of months, you could have "boots on the ground" in a part of Portugal you love. But if you feel the solutions we offer aren't for you, we'll give you a full refund within the first 30 days. In other words, the risk is all ours.

Guarantee # 3—Should you decide to ask for a refund, you've got a full 30 days to do it. If you don't feel that Portugal All Access: Your Blueprint for an Affordable European Lifestyle can help you to a new life in Portugal, just let us know and we'll refund every penny within the first 30 days. That's how confident we are in the depth and breadth of information this brand-new resource provides.

The friendliness of Portugal… the peaceful, laidback lifestyle, reminiscent of a kinder, gentler time in history… and with the modern pleasures and amenities now available and so affordable…

All this makes Portugal hard to resist.

The good news, though, is that it's all within your grasp. You don't need millions in the bank to capitalize on the opportunities in Portugal—one of the best-value retirement options you'll find.

In Portugal, you can have your own dream life in Europe… on a monthly budget of $2,200.

If you're looking for a safe, friendly European haven, with cosmopolitan cities and lots of beach towns, internationally acclaimed (and affordable) healthcare, and the lowest cost of living in Western Europe, you'll find all that and more in Portugal.

And in Portugal All Access: Your Blueprint for an Affordable European Lifestyle, Terry Coles shows you exactly how to make it happen…how you can settle into a far better, more affordable, healthier life and do it seamlessly, enjoyably, confidently…

Think about it: A handful of months from now, you could be sitting on your own terrace, a glass of delicious Portuguese wine in hand, enjoying the azulejo-splashed architecture the strains of fado in or the sun set over the gorgeous blue ocean…

I hope you'll let us show you how… just click 'Add to Cart' now and we'll get you started.

Sincerely,

Dan Prescher,
Senior Editor, International Living
July 2021

P.S. If you have any doubt that Portugal offers the very best lifestyle—at a very affordable price—your mind will definitely be changed after you've reviewed the 14 professional videos, the seven comprehensive special reports, including the hefty resource rolodex that make up Portugal All Access: Your Blueprint for an Affordable European Lifestyle.

If you've always loved the idea of retiring in comfort somewhere very affordable—with a mix of Western European culture, a warm welcome, more beaches than California… where you don't have to worry about rising healthcare costs and crime rates, out-of-control government spending or crazy politics…

Then I encourage you to take a look at Portugal All Access: Your Blueprint for an Affordable European Lifestyle. It was created with you in mind.

Follow the blueprint Terry Coles has created. Let her introduce you to the special places she's discovered. Let her share her expert insights with you and help you shave months…even years…off your learning curve.

Portugal All Access: Your Blueprint for an Affordable European Lifestyle is like taking a whirlwind investment and lifestyle tour of Portugal. Only instead of paying thousands of dollars for the travel fees and expert advice, we hand it all to you right there in the comfort of your own home for just $499 when you take advantage of this special offer and order Portugal All Access: Your Blueprint for an Affordable European Lifestyle now.

Remember, there's no risk to you, as you have our 30-day, 100% Money-Back Guarantee.

Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas

Fri, 10 Feb 2023 08:06:47 GMT

The Ultimate Guide to an Adventurous, Luxurious Overseas Retirement...

Spend Up to 5 Times Less, Enjoy Life Far More

This Book Shows You How to Do It... and It Can be Yours FREE

Dear Reader,

There’s more to it than that, of course, but that’s the basic essence of it.

In the best retirement destinations overseas, you can enjoy scenic views and better weather… You could have access to quality healthcare you can afford, a housekeeper to clean for you, funds to travel and eat out whenever you want… and true financial stability. No more worries about outspending your retirement income or outlasting your savings, because in the best overseas destinations, you can spend up to five time less than you may be spending right now, and enjoy a far better lifestyle.

Two Big Ways Your Dollar Goes 5 Times (or More) Further Overseas:

On a median home price of $250,000, the average U.S. property tax in 2018 is $3,498.

In Mexico, your property tax on a home valued at $250,000 is just $250 – nearly 14 times less than in the U.S.

In the U.S. this year (2019), the average health insurance premium per month for one person, age 60, is $543.

In Costa Rica, health insurance through The CAJA national health program can cost as little as $50 a month for a couple—more than ten times less the cost of insuring one person in the U.S.

And this is just the beginning… In their new book, Suzan and Dan will show you dozens of ways and dozens of places where you’ll see even more savings just like these.

No one knows more about overseas retirement than International Living senior editors, Suzan Haskins and Dan Prescher. Back in the 1990s, and living in Omaha, Nebraska, they were dreaming of retiring to a place with a better climate, a slower pace of life, and a lower cost of living.

In 2001, they decided to stop procrastinating and start living the life they’d been dreaming about. So with their 90-pound chocolate lab, Jack, and a few special possessions tucked into four suitcases, they landed in Quito, Ecuador.

Over the last 18 years, they’ve lived in 7 communities in 4 different countries. And they’ve traveled to far more than that in their research and reporting for International Living. They’ve learned a thing or two about what it takes to truly settle in and make a rewarding life overseas.

As Dan says, “We can’t imagine what life would have been if we hadn’t done this. We’ve lived in a lush, green high-mountain valley… we’ve lived next to the Pacific Ocean and next to a 50-mile long lake… in the stunning colonial highlands of Mexico… and in a couple of truly world-class cosmopolitan cities. The experiences we’ve had, and friends we’ve made along the way… have enriched our lives in a way I can’t even begin to explain.”

I’m Jackie Flynn, publisher of International Living. I’ve been following Suzan and Dan’s journey since it began. I’ve read the many articles they’ve written over the years and watched the videos they’ve produced and their interviews on network television. I’ve seen them share their experiences and their tips and advice with others looking to do what they’ve done: live richer and spend less in an exotic, fair-weather, good-value destination overseas.

Suzan and Dan say one of the most welcome aspects of life overseas is becoming part of an expat “tribe” of like-minded people from various backgrounds but with a similar interest in living life richly and happily.

So when Suzan and Dan told me they were ready to write their second book on this topic, I was all for it. Their previous book, written in 2014, quickly went to the top of Amazon’s best-seller list.

This time out, they’ve written an even more definitive guide that will help any reader understand all the nuances, thought processes, and necessary steps you need to take to successfully make a life journey of this kind.

Let me explain why Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas belongs in your library if you’ve ever toyed with the idea of living overseas, even for just part of the year.

You Can Have it All—Climate, Culture, and Convenience—
at a Fraction of Retirement Costs in the U.S. or Canada Today.

As I’ve already said, Suzan and Dan have more experience than anyone I know when it comes to identifying the best strategies, the best locations, and the best reasons for a successful move abroad.

This New Book By Amazon Best-Selling Authors Belongs in Your Library.

This is the second (and all-new) book on retiring overseas written by Suzan Haskins and Dan Prescher. Their previous book instantly topped Amazon’s best-seller list. Make no mistake: This one is jam-packed with even more practical and updated information, and it’s expected to be in even more demand.

Get yours today.

They understand what makes for the best possible experience. As Dan says, “In my mind it’s a combination of 4Cs: climate, culture, convenience, and cost. What that means to each individual is a bit different. But there are plenty of attractive places in the world where you can enjoy fabulous weather, really vibrant and intriguing cultural activities, all the best modern comforts, including excellent healthcare… and all this can be had for a fraction of what it costs to retire in the U.S. or Canada these days.”

For instance, he says, “In Ecuador, we paid $52,000 to buy our 1,100-sq.ft. penthouse condo with a knock-out view of the Andes Mountains. We didn’t pay rent, but had an HOA fee of $100 a month. When we weren’t traveling, just staying home and enjoying life, our total expenses rarely topped $1,400—and that included everything… utilities, internet, cable TV, dining out often, groceries and wine… you name it. And today as Mexico residents, we enjoy similar low costs.”

In Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas, Suzan and Dan distill their years of experience into a well-researched—and real-world—resource that helps you understand why retiring overseas makes sense for so many reasons.

In addition to enriching your finances, you can improve your health, enjoy new experiences, and create a life you love.

You’ll gain the practical tools you need to help you see why a life abroad can make so much sense. You’ll be able to make rational decisions and understand if the overseas lifestyle is really for you—and if it is, the best way to go about it… to find a good fit, given your interests, priorities, budget, and dreams…

Maybe, like Jim and Jen (their story is in the book), you’ll find you can upgrade your lifestyle yet retire way earlier than you ever expected.

At ages 56 and 49, they were stressed out by time-consuming work that was taking a toll on Jen’s health. They had accumulated a decent amount of savings, but they were worried it might not be enough to enjoy the good things in life… dining out often, fine wine, golf, shopping, spa treatments, luxury travel… They didn’t want to sacrifice in retirement.

Time and Money to Do What You Want… Even on a Social Security Income

“Finally, our retirement gives us the time to take advantage of those things we could not do before and we don´t want to waste one minute. Fortunately, our life outside the U.S. costs only a fraction of our previous lives so we have ample money to enjoy life, even on one social security check. And that´s with a housekeeper, plenty of restaurant meals and travel included. (In fact, we even built a house out-of- pocket which we could never have done in the States.)” – Don Murray, living in the Yucatan, Mexico

Some years before, they’d bought a small home in Merida, the capital of Mexico’s Yucatán state as an investment and with an eye to their future retirement, which at the time they thought was many years down the road.

Finally, Jen’s persistent health issues couldn’t be neglected. Her doctor told her: “There are only so many medications I can prescribe. You know what the root problem here is… you have to do something about your stress levels.”

So Jim and Jen discussed it and put pen to paper and tallied up all their assets… the house, furniture, and cars they could sell, the savings they’d tucked away, and his monthly pension…

Two weeks later, Jen submitted her resignation and a couple of months after that, she and Jim were happily retired in beautiful, historic Merida, where the cost of living, they report, is at least 50% less than it was back in the States.

They’ve now bought a new, bigger home. Jim has joined a golf club, Jen volunteers with the local art walk. And best of all, her health issues have resolved, and she says she feels healthier than ever. “I’m on far less meds, and no longer have headaches. And I’m sleeping well for the first time in a long time,” she says.

“We still go to Costco a lot for good steaks and wine, and we just bought a brand-new car that was cheaper than what we priced it at in the U.S. I am so happy we took the plunge and did this. We are loving our retirement in Mexico.”

You Couldn’t Live this Well Back Home,
Especially Not at the Beach!

Another couple we know—Canadians from Montreal—dreamed of living by the water. But they couldn’t afford the high price tag of a beach home in Canada or the U.S. And, of course they were looking for a year-round better climate.

Relax and Indulge Yourself…

The average cost for someone to clean your home in the U.S. is $25-$50 an hour.

In Panama, you’ll pay $30 a day—7 to 13 times LESS than the U.S.

Along the Pacific Coast of Panama, they found what they were looking for: day-in/day-out warm weather, a golf course, an equestrian center, loads of great restaurants, three shopping centers with several upscale 24-hour supermarkets, and a modern medical clinic.

And the best part? The low price tag. Their total monthly living expenses in Panama amount to less than $1,500. They don’t have rental costs since they own their home, but that figure includes utilities, insurance, gas for the car, medical bills… even food and entertainment.

In many places around the world, you really can enjoy a champagne lifestyle on a beer budget. The kind of high-end living that might set you back $10,000 a month or more in a big city in the U.S. could be one-fifth that in the right places abroad.

Keith Hockton and his wife, Lisa, live in a stunning ocean-view apartment in Penang. And their total cost of living is just $1,719 a month.

In Penang, Malaysia, for instance, Keith Hockton and his wife Lisa rent a stylish three-bedroom, three-bath sea-view apartment for $950 a month. “It comes with a shared pool and gym. We eat out five nights a week, and our total budget is $1,719 a month. Two people can have a three-course meal here for $10. A bagful of fresh fruit costs around $4. We also have a maid that comes once a week for four hours at a cost of $15.”

Upgrade Your Life While
You Drastically Cut
Your Expenses

These stories may sound far-fetched, I understand.

But when you know where to go, you’ll find that you, too, can upgrade your lifestyle and live far richer than you do now, yet spend far less than it would cost you to stay home.

The beach… a mountain hideaway… a culturally rich city… a lakeside retreat… Whatever you daydream about when you imagine that “someday” life… You really could have it in the right spot overseas.

In Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas, Suzan and Dan show you the way.

Younger People, Families, Entrepreneurs, Investors…
Are All Finding Better-Value, Richer Lives Overseas

Looking to better-value destinations abroad isn’t a solution for retirees alone, of course.

Young people, families with children, business entrepreneurs, investors, and many others are finding lower startup costs, less regulation, improved healthcare, greater freedom, and generally lower costs of living abroad.

It’s Smart to Look Overseas

As the prospects for retirement in the U.S. remain shaky, more people than ever are realizing that looking beyond their own shores is not just a viable option… It’s often the smartest move they can make. Find out if life abroad is right for you in Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas.

Inside their latest book: Live Richer, Spend Less, Suzan and Dan share their advice for people in all kinds of situations. Because no two people are alike, after all, and what would be ideal for one might not be for another.

Whatever your reason for considering a move overseas…a more relaxed, low-key lifestyle…fun and adventure…to save money or have more control over how and where you spend your time…you’ll find this new book invaluable.

As I said, Suzan and Dan know the path and show you the quickest and best way to reach your own destination so you can enjoy a happier, healthier, and more prosperous life abroad.

Bottom line: It’s a rewarding journey…but certainly there are challenges and pitfalls to avoid.

Insider Guidance to Put Your
Overseas Life on the Fast Track

This new book, Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas, serves as your trusty guide. You’ll be guided through issues such as…

Cheat sheets to help you fine-tune your Social Security strategies to ensure you receive the maximum monthly benefits you’re eligible for, along with how to best collect your benefits from abroad…
Six questions to help you determine your retirement preparedness… And 24 questions to assess your priorities and make the best decisions about the top overseas communities for you…
Where to find premium (and best-value) housing opportunities… to rent or own.
How you could save 5 to 10 times what it costs you now for healthcare costs, including private insurance… Good news: You have lots of choice.
Using your Medicare overseas. In some cases, with the proper supplement, it is possible…find out how.

Suzan and Dan will even help you work through those “emotional issues,” such as how to overcome the “I can’t leave my grandkids” dilemma…

And maybe living full-time overseas isn’t right for you? They’ll guide you to great alternatives that save you tons, deliver the joys of adventure, and still let you keep a firm foothold back home…

Best of all, they’ll introduce you to more than two dozen countries around the world where you could live well on less than $25,000 a year, including the country that’s arguably the easiest place to settle…

The Nuts and Bolts of Day-to-Day
Living, and More

There’s Even Contact Details for Valuable Legal Resources

When you move abroad, you’ll need an attorney on your side to help you with residence visas, property rental or purchase contracts, and more. Suzan and Dan have compiled a list for you of attorneys called on by expats overseas. This information can be critical to your success, and Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas puts it at your fingertips.

Once you’ve decided to investigate your options for living overseas, you’ll be faced with other important considerations. No matter where you live, you’ll benefit from the money-saving strategies Suzan and Dan share, as well as the practical advice you need, such as:

What if you’re single…what should you know and look out for?
How to manage your finances abroad, how to find a local bank, which credit cards to have in your wallet…
The best way to overcome language barriers…even if the last time you studied a foreign language was in high school…
How to earn an income, including an “above board” way to work “under the table”… You can work online, start a business…it’s easier and less-costly than you think.
LGBTQ, racial, religious issues, marijuana laws around the world… There’s nowhere else to get this kind of pointed, actionable information…

Emerging Retirement Trends You’ll
Want to Know About

In Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas, Suzan and Dan detail seven new retirement trends you can benefit from when you move overseas.

Michael and Suzanne (you’ll meet them in the book) have yet to settle down. They spent last winter in warm, sunny Manzanillo.

One of them stems from the old proverb “a rolling stone gathers no moss,” credited to a guy named Publilius Syrus (85-43 B.C.). He used this metaphor to refer to “people who are always moving, with no roots in one place or another, avoiding responsibilities and cares.”

Doesn’t sound half bad, does it? Suzan and Dan describe the “rolling stone” or “roving retiree” lifestyle as one of the fastest-growing trends they’re seeing among their expat friends.

If you’ve ever wanted to see the world…and do it in the most carefree, most affordable way possible, this chapter will motivate you to get started.

Plus, you’ll discover six other emerging trends that are making it easier and less costly to enjoy the retirement of your dreams…from any place on the planet you want to be.

You’ll gain all this—and much more. Suzan and Dan show you exactly what a $2,000 a month budget can include, and they provide experienced recommendations, tips, advice, hard-won strategies for success.

Don’t shelve your retirement dreams. Instead, use this real-world guide to put those dreams into action.

You’ll Be Handed Lots of Options Where You Can Live Well for $24,000 a Year…

In the right community in the right country, it’s more than possible to live in a charming condo or villa with a gorgeous ocean view, where you can buy a week’s supply of fresh produce from the local farmer’s market for just $10…hire a housekeeper or gardener…and live well on a budget of as little as $2,000 a month, rent included…

Is Old World Europe calling you? This book shows you how to make it yours…

You have options all over the world–in places as far-flung as Malaysia and Mexico… Panama and France… Ecuador and Italy… Spain and Belize… Costa Rica and Italy…and well beyond…

You’ll discover all those places—and others—in Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas.

Don’t Worry About Healthcare

According to many studies, many of the world’s countries. enjoy better, more affordable healthcare than the U.S. Best of all, it’s far more affordable.

Expat John Michael Arthur, a former Dallas doctor, lives in one of these countries, where he says, “High-quality healthcare—medical, surgical, and dental—is easily found in the private system at about one-third the cost of U.S. prices.”

In their new book, Suzan and Dan introduce you to the countries with the best healthcare systems, and explain how an overseas retirement can actually improve your health.

And each month in International Living magazine, we’ll keep you up to date on new trends in healthcare and other overseas opportunities.

If you’re curious about whether life overseas would be right for you… then the best place to start is with Live Richer, Spend Less—International Living’s Ultimate Guide to Retiring Overseas, yours for the low price of just $49 today. (Plus, a shipping fee to send the book directly to your doorstep.)

For less than the cost of a good tube of sunscreen, you can take advantage of Suzan and Dan's nearly 20 years of expat experience and insider insights. They'll take you around the world to the best countries and communities where you really can live richer and spend less.

In this value-priced book, you'll get well-researched, real-world intelligence and the motivation and guidance you need to get started now on the path to the no-sacrifices retirement you've always dreamed of.

Click 'Add to Cart' to order now.

What's more, we guarantee your satisfaction.

Our Good-Will, Good-Value Guarantee

If you decide for some reason that the book, Live Richer, Spend Less—International Living's Ultimate Guide to Retiring Overseas isn't for you, feel free to send it back within 30 days and we'll send you a full refund, minus the shipping fee. No questions. No fuss.

Click 'Add to Cart' now to secure your copy of Live Richer, Spend Less—International Living's Ultimate Guide to Retiring Overseas. If you're intrigued by the idea of living better for less overseas, you won't find a better-value book to explore the world's best options.

Sincerely,

Jackie Flynn
Publisher, International Living

P.S. Everybody says the world is getting smaller. And in terms of being able to travel quickly from one place to another, that's true. New air routes are opening all the time. Exotic island paradises and bustling metropolitan centers on the other side of the world are easily accessible. Huge countries—which were off limits only a few years ago—are now open for business as well as travel.

And the opportunities you'll find outside your own borders…well, those are making the world larger than ever. In welcoming corners all over the planet, you'll find big, extraordinary opportunities for better, more affordable living, for profit, for adventure, for fun. You just need to be aware of them.

That's what Dan and Suzan show you in Live Richer, Spend Less—International Living's Ultimate Guide to Retiring Overseas.

Click 'Add to Cart' now.

Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know

Tue, 31 Jan 2023 10:42:40 GMT

This message is NOT approved, endorsed, or authorized by Medicare. All information regarding Medicare discussed or mentioned here is available for free from Medicare.

Attention Americans:
If You Qualify for Medicare (or Soon Will),
It’s Time to Discover…

How You Can Use Medicare
When Living or Travelling Overseas

Even if You Never, Ever Plan on Leaving the U.S.—
This is Still Need to Know Information

Dear Reader,

As you edge closer to your dream retirement, there are critical issues to consider.

One matter that's especially important is healthcare.

The good news is that spending time overseas can actually be beneficial to your health, as you'll likely choose a better climate where you can be more active and have access to healthier, straight-from-the-farm food.

In many cases, healthcare costs are so low that you can cover them out-of-pocket.

Even so, if you are a U.S. citizen, there is one important safety net you should not overlook.

And that's Medicare. (This applies even if you are already enrolled)

If you've paid into Social Security over the years, you've likely already paid for this healthcare coverage and many of its primary benefits are free for you.

I’m Dan Prescher, for International Living.

Not too long ago, I turned 65 myself—the age to qualify for Medicare—and I know for sure there’s a lot much we need to understand about our Medicare benefits.

There’s the free Part A, there's Part B, and all kinds of supplemental plans you can pick and choose from to increase the robustness of your coverage.

Athough many of us have been led to believe that you can’t use Medicare overseas, there are, indeed, many instances now when you can.

The problem is, there’s not a lot of reliable information out there about how to do this, and especially not about how to make it work best for your personal situation.

Sure, you can find some details on government web pages, but good luck trying to decipher the legal and academic jargon.

And yes, you can attend seminars or ask friends for advice.

You can hire an insurance specialist (who will likely want to sell you a few cherry-picked supplemental plans) to create a blueprint for your special circumstances.

But you don’t need to do that.

Because International Living has commissioned an important book, written just for readers like you who are exploring their overseas options.

It has just been completely updated for 2023. And it provides dependable details about how to decipher your Medicare options—in plain, accessible, understandable language.

Whether you’re looking to retire overseas full-time or part-time, or just travel now and again, this book is for you.

In fact, if you never, ever plan to leave the U.S., this book is for you.

And it is essential whether you are already enrolled in Medicare or will be soon.

It's called Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know, and it’s written by Ron Elledge, a U.S. Medicare and health insurance specialist who has devoted his career to understanding the intricacies of U.S. health insurance options. (No small task)

Thankfully, Ron has a passion for helping those of us of Medicare age make sense of what’s available to us.

Does Any of This Apply to You?

About to turn 65? Will you soon be leaving an employer health plan? Are you planning a move, including overseas? Thinking about changing your Advantage Plan or delaying or dropping Medicare Part B?

Before you do any of these, READ THIS BOOK.

All the details you need to consider are covered.

This book demonstrates his unique forte in helping expats and travelers determine the very best Medicare options.

I'm so impressed with the guidance he shares in the book that I lobbied International Living publisher Jackie Flynn to offer it to you, right now.

Let me explain why Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know belongs in your library if you’re currently or soon will be on Medicare and you’re considering spending any time at all overseas.

First off, all the basics are covered...In an easy-to-understand manner, Ron explains how Medicare works, when you become eligible and how to sign up, your important beneficiary rights...and why, even if you are still working and have a healthcare plan, you must contact the Social Security Administration on a specific date.

Part A is almost always yours free, as you likely know—so there is no reason not to have this. And you’ve earned it, so why not?

Even so, keep in mind that there are important obligations you need to consider. But when should you opt into Part B? And when might you want to delay that, without paying a penalty later? Ron explains...and this is just the beginning.

Supplemental coverage and all moving “Parts” are addressed in detail. Medicare Part A, B, C, D, Medigap, coverage for long-term care, Tricare, the “Donut Hole,” veteran’s options ...

All of this is explained in detail to help you determine the type of coverage that works best for you.

And this is where this book really shines... It’s “need to know” information for all Americans at this critical point in age, but it’s even more important if your plans include any kind of international travel or spending any extended time overseas.

Now is the time to make changes to your coverage so you can use Medicare overseas.

Your Personal Medicare Consultant

Ron’s been an IL subscriber for years. He and his wife are residents of Panama, and he strongly believes that it’s important to have a comprehensive healthcare plan when you travel or live abroad. Medicare should be a key part of that, he says.

At an IL conference a couple of years ago, Ron approached one of our editors, offering to contribute his expertise. Ron has over 15 years experience as a Medicare consultant, helping Americans get the most out of their Medicare at home and overseas. We knew we needed him as an expert in our community.

If You Plan to be an Expat (or Already Are) or Plan to Do Any International Traveling, Here’s What You Need to Know...

If you are living abroad when you turn 65, and don’t apply for Medicare at that time and you eventually move back to the U.S., you'll likely be subject to late penalties or delayed Medicare coverage. And there can be some other catches. Ron offers some real-world examples to help you understand your options and avoid problems.
And if you are in the overseas planning stage...while there is no residence requirement for original (or basic) Medicare,” Ron says that where you live “makes a massive difference in how you approach enrollment.” This is need-to-know stuff if you plan to eventually go overseas.
Whatever you do, don’t drop Part A, Ron says, because if you do, you will become ineligible for Social Security or Railroad Retirement Board benefits and be required to pay back all previous benefits received. (Note that Social Security administers Medicare, not the Centers for Medicare and Medicaid Services. So you must abide by their rules.)
Again: This is need-to-know information that will help you better understand your Medicare options if you plan to spend time overseas. If you’re living overseas when you hit your eligibility date, Ron explains why you want to reach out to the nearest U.S. Embassy or Consulate for an in-person appointment to discuss your best Medicare options.
And if you are working overseas and are covered by an employer’s health plan, your options are covered in the book, too. This is especially important if you plan to retire from active employment while living in a foreign country. You have a different set of circumstances in these situations, and you’ll want to understand your options and obligations.

Medicare: You Earned It. Now Put it to Work.

The most important thing to keep in mind is that you want to make your benefits work for your personal situation. And you don’t want to be without them should you need them.

Make No Assumptions

"Never assume anything when dealing with Social Security or Medicare", Ron Elledge says.

In Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know, he deciphers Medicare myths and solves the mysteries you’re unsure of. The brand-new edition of the book shows you how to leverage your benefits to your advantage.

After all, you paid for them during a lifetime of work.

You deserve the full benefits Medicare provides to you.

Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know showcases various scenarios to help you easily identify and assess your options for healthcare coverage anywhere you might choose to travel or live.

Importantly, it also shows you what not to do if you are living overseas. You don’t want to risk running afoul of government regulations, no matter how inadvertently.

Do that, and you may have a tax fraud case filed against you.

How and When Can You Use Your Medicare Overseas?

There's Good News If You Plan to Be Out of the U.S. for Up to 9 Months at a Time (and Sometimes Longer).

Beginning with the 2019 coverage year, some Medicare Advantage Plans began to allow their clients to remain out of their resident coverage area for up to 12 months per trip. Ron Elledge believes more carriers will offer this welcome option in the coming years.

As of now, six Medicare Supplement Plans and many Advantage Plans include foreign travel coverage. In Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know, you'll learn more about these and get Ron's advice about an extra layer of coverage to consider if you plan to live part- or full-time overseas.

Recent changes to some Medicare plans have expanded coverage networks, allowing wider coverage and longer stays out of the country.

They also provide for emergency and urgent care services overseas. This is a big benefit for travelers and part-time expats.

In Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know, you’ll get details about which Medicare plans provide this global coverage and how this all works, without having to spend hours combing the Medicare website.

As Ron says, “It’s important to know exactly what you’re covered for before you leave the country.

“It may be worth the effort to change your insurance carrier in order to take advantage of worldwide services.”

For example, for some options, the Centers for Medicare and Medicaid Services (CMS) requires that you maintain residence within their coverage area.

But CMS requirements for Supplement Plans only require that you are a resident in the coverage area at the time the policy is issued.

So it’s important to have a strategy—before you leave the States—to ensure two things: that your coverage will never be interrupted wherever you choose to live and that it won’t be adversely affected if you decide to seek legal residence status in another country.

Rita’s Story...

To help you better understand this issue, Ron tells the story of Rita, who has made Panama her part-time home for the past 12 years. (She has been covered by Medicare for the last five.)

A few years ago, she decided to get her Panama residence visa to relieve herself of the tax burden imposed by her state and in order to benefit of the discounts and incentives offered through Panama’s renowned Pensionado (Retirement) Program.

Moving overseas can change your life for the better. You may even enjoy a healthier lifestyle...

But be sure to consider your healthcare options and make your Medicare benefits part of your strategy.

This program is one reason for Panama’s popularity among expat retirees. There is no requirement that you live in the country for any length of time once you obtain a resident visa.

Because she moved her legal residence to Panama, Rita can maintain Medicare Part A and B, but will be disenrolled from all Advantage and/or Part D Plans anywhere from six months to one year after her official residence change takes place.

However, if she was enrolled in a Supplement Plan before the residency change, she will not be disenrolled, as long as she continues to pay the premium.

“It is always best to check with your insurance carrier before the change, so you know what your options are,” Ron cautions.

And if Rita were not to pursue a residence change...well, then she has far more options, as Ron weighs in on in Chapter 7 of Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know.

As he says, “Careful consideration should be given.” And in this newly updated book, he helps you understand exactly what those considerations are and helps you make informed decisions.

Are You Ready to Get Your Hands on This
Important Information?

One of the things I most appreciate about this comprehensive book, as I’ve said before, is that the information is presented in a simple, easy to understand manner.

As I also mentioned, I turned 65 not long ago. Unfortunately for me, that was before Ron had written this book.

So I toughed it out and cobbled together an approach on my own. I can’t even begin to tell you how much easier the process would have been had I had this book to refer to.

Not only does Ron explain things in layman’s terms, he also offers hypothetical scenarios based on proven strategies and situations similar to what you and I are likely facing.

These examples showcase people in their 60s and 70s...some looking to craft their first Medicare solution and others who have been using Medicare for years.

Thanks to Ron’s guidance, they've found ways to make changes that upgrade and enhance (and in some cases, save money on) their coverage.

I’ve done the same. With Ron’s input, I have now changed my original strategy.

Ron’s advice is worth its weight in gold. No matter if you’ll be eligible for Medicare in the coming year or you’re already enrolled, you’ll want this valuable reference book.

There are even five Appendixes in the book, newly updated for 2023, including specific, must-have information for expats and travelers, and contact information for many, many assistance programs and information resources.

There is nothing else out there like this book. Believe me, I've looked.

Whether you’re looking to retire or invest overseas, or just spend time exploring the world full- or part-time, Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know hands you a blueprint to follow in crafting the best Medicare strategy for your personal needs now and in the future.

Take advantage of the solutions and strategies Ron lays out for you and you could save thousands of dollars on medical expenses.

As always, your satisfaction is guaranteed.

Our Good-Will, Good-Value Guarantee

If you decide the information shared in Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know doesn’t work for you, just return the book to us within 30 days and we’ll issue you a refund. No hassle, no fuss.

But I don’t think that will happen. This information is just too important. And understanding your rights—and the policy changes recently made by Medicare—can help you make decisions and changes to your Medicare strategy that can save you money and increase your peace of mind.

As soon as you order, we’ll immediately send access to a digital copy of your book straight to your email inbox.

I think you’ll be pleasantly surprised with your options for using Medicare in overseas. And you’ll enjoy the easy-to-understand style Ron Elledge uses to explain and help you sort through those options.

Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know is a must-read before you make a critical and costly mistake with your Medicare coverage when planning your overseas move or travel.

And it’s yours now for just $59.

Remember, it’s been completely updated for 2023 so you can be sure the information provided is as current, reliable, and actionable as possible.

It’s not offered anywhere else at a lower price.

Sincerely,

Dan Prescher
Senior Editor, International Living
January, 2023

P.S. Ron’s contact details are also in the book so you can reach out to him for guidance or answers to any questions you may have.

Remember, if you're at all disappointed...and I can't imagine you will be...feel free to ask for a refund within 30 days for a full refund.

P.P.S. Over the years, the strategies Ron has shown would-be expats and international travelers have proven to be true money-savers...and sometimes even life-changing...

As one told Ron:

“Commend you for your book “Medicare Made Easy.” Been reading this week and have to say I would otherwise never have known about topics such as MOOP and the Social Security 12 Criteria for establishing “Convincing Evidence of Residency.” And when my future income level drops, I will definitely inform the IRS of my status change. That info alone could be worth 100X the price of your book.”
—Robert M.

Another said:

“Thank you for your excellent help. I put in an application for an Advantage plan. Now waiting for their approval. Looks like I'll have to return here every 6 months for a routine checkup, but I believe it will work for me. Annual medication cost with the Plan is under $900, whereas it would be over $6,000 otherwise.”
—John M.

And don't forget, you’ll get Ron’s contact information inside your new book. He has graciously offered to answer emails and consult with you by phone.

As another IL reader noted:

“It was very nice to speak to you about my mom’s situation on Monday. Thank you for taking the time to talk to me. You are providing valuable insights to expats that no one else offers out there in the market. “
—Barbara S.

Let Ron Elledge help you, too, define your own money-saving, life-changing Medicare.

Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know is only from International Living, and available to you now.

Just click the "Add to cart" button now...

Travel Writer’s Program

Thu, 10 Nov 2022 14:21:26 GMT

Well-Crafted, Original Travel Stories

Are in High Demand...

Armed with the How-to Secrets Revealed in The Ultimate Travel Writer’s Program, You Could Write Those Stories, Sell Them, and Cash in on the Great Perks Successful Travel Writers Can Enjoy

Editors are constantly searching for articles that match what their readers are looking for, articles written by people who can give a true, well-written, and unique report on a destination.

But editors aren’t the only ones who want the services of savvy travel writers. Hotels, resorts, and other attractions—both home and overseas—need ambassadors to visit their vacation spots and spread the word through their writing. You could be among them.

With The Ultimate Travel Writer’s Program in hand, you’ll have what you need to make it happen—no experience necessary.

After all, to be a successful travel writer, you DON’T need—

A degree in journalism (or even a college education).
A ton of money or fancy equipment – truly, all you need is a computer, an internet connection, a genuine curiosity about the world, and a willingness to share your insights with others.
A travel destination (this may come as a shock… but your hometown is a destination in itself… you can write about local attractions and never board a plane).

Enjoy the Perks of Traveling the World
as a VIP…

When you explore the world as a travel writer—it really can feel like you’re being treated as a VIP.

Meals, museum tickets, hotel upgrades, they could all be on the house. When you’re an established travel writer, it’s not unusual to have someone else foot the bill.

One travel writer I know has had travel writing assignments that took her to Ireland, Paris, Fiji, and beyond.

Another to go exploring and wine tasting in Ensenada on Mexico’s Baja, California Peninsula.

And another spent a week golfing in the Turks and Caicos islands.

You Could Land Trips Like These, Too

To land trips like these—sometimes all-expenses-paid—is a lot more straightforward than you probably imagine.

As one successful travel writer who discovered travel writing here with us put it:

“If you’d told me even three years ago I’d be jetting around the globe on someone else’s dime – staying at a high-end oceanfront villa in Riviera Maya, Mexico…lounging for free at a luxury beach resort in an oceanfront suite valued at over $1350 a night... exploring Italy’s Amalfi coast… even designing my own trips and having publishers clamoring to pay for them…

“…I’d have said you were dreaming.

“Back then, I didn’t even know this opportunity existed. I was just wrapping up my [first] career wondering what I was going to do with myself in retirement.

“Yet here I am today with more than 600 articles accepted for publication and an in-box full of new opportunities I can take advantage of.”

You Could Get Your Start at International Living or One of the Many Travel Magazines and Websites You’ll Learn About in The Ultimate Travel Writer’s Program

Under the wing of Jennifer Stevens, author and creator of The Ultimate Travel Writer’s Program, you’ll already have a foot in the door at International Living, where she is the Executive Editor. But you’ll know how to find and approach all sorts of publications.

And you don’t need to have ever written anything before to get your start. No experience necessary. Most editors want the story that makes sense for their readers. They really don’t care if you’ve been published before.

You will accelerate your success, though, if you bring to the table an adventurous spirit… and a willingness to be opinionated, persuasive, and observant.

Competently researching travel destinations and understanding what editors are really looking for—that’s important, too. But with The Ultimate Travel Writer’s Program in hand, you’ll have the instructions you need for doing both.

We Can Help

This program has helped people from all different backgrounds (from teachers to accountants to coaches) become travel writers even though they’d never written travel articles before.

When you have in-hand the techniques the pros know… you’ll be amazed at how quickly you could cash in. This program is designed to shave months – and even years – off your learning curve. So sooner than you probably imagine, you could be seeing your name in print, getting paid for your articles, and even getting invitations to enjoy experiences on-the-house.

This is an excellent time to give it a try...

SPECIAL DISCOUNT:
SAVE BIG WHEN YOU ORDER TODAY

When you order The Ultimate Travel Writer’s Program today, you’ll lock in a HUGE discount plus get a collection of extras not available anywhere else.

The full value of this meaty resource is $399. And it’s worth every penny of that, given that by selling one or two stories, you could cover the cost of your investment.

Plus the secrets revealed inside could serve up ten times that in travel perks and income.

But by ordering today, you save 58% off the full value. That means you can access The Ultimate Travel Writer’s Program for just ~~$399~~ $165.

But there’s more...

When you take me up on this special offer today—we’ll toss in some valuable special extras as well...not available anyplace else...

Free Gift # 1: Money-Making Travel Photography (value: $24.50, yours free) – a unique mini-course specially created for travel writers. It’s just one more way to ratchet up your income as you travel.

Free Gift # 2: 101 Places to Get Published (value: $39, yours free) – an online report that includes a long list of online and print publications, online stock photo agencies, and more. This report will introduce you to a wide variety of places where you can submit your articles and/or photos. There are even interviews with some of our published members, where they share how they found success and offer advice on how you can easily do the same.

Free Gift # 3: 101 Story Starters for Instant Success (value: $29, yours free)– an online report designed to inspire your story ideas. Read through a few pages of this report, and you’ll be on your way to a publishable piece in no time.

Fast-Reply Bonus: Our “Pro Secrets for Selling to Editors” Resource During this 40-minute video presentation, you’ll discover the simple formula you need to get in editors’ good graces right from the start. Discover just how to frame your story ideas so that editors will grab them—and want more.

These special bonuses are a great addition to our Ultimate Travel Writer’s Program. And today, they are all yours at no additional cost. And please note: All of these resources are delivered online, which means you get instant access and we can keep them up-to-date for you.

Our Guarantee to You

This resource is 100% guaranteed. Try out The Ultimate Travel Writer's Program for yourself. Consider the step-by-step guidance, give the tricks of the trade a whirl. If you aren't pleased with the way they work, no problem. You have 30 days to let us know and we'll give you a full refund. No questions. No fuss.

Just click on the "Add to Cart" button to buy today!

Portugal Scouting Trip Itineraries and Travel Guide

Wed, 21 Oct 2020 14:30:31 GMT

Find Out How YOU Can
Experience The Very Best of
Portugal on Your Own "Exploratory" Trip!

Dear Reader,

Portugal offers just about everything a discerning, budget-minded world travel enthusiast could ever want.

It's got cosmopolitan cities such as Lisbon and Porto...rolling countryside with ancient Moorish castles...world-class golf courses...as well as the pristine golden-sand beaches of the Algarve. At International Living, we believe Portugal to be the most relaxed, affordable country in Western Europe.

What's more, in the right places in Portugal, a couple can live comfortably on as little as $2,207 a month, all in.

As the winner of International Living's 2020 Annual Global Retirement Index, Portugal is the World's #1 Retirement Haven.

So Portugal is not just a wonderful place to visit...

It's also a wonderful place to live...

How To Ensure You Experience The Very Best Of Portugal As Soon As Your Very Next Trip

Now that Portugal has your attention... how about an "exploratory trip" to Portugal?

Once you begin thinking about all the exciting travel and lifestyle opportunities available in Portugal, there's a really good chance you'll want to check them out first-hand.

Also, you may want to know what you should check out first, second, third and so on...and the best way to do it all.

This way, you can sleep well at night knowing you won't "miss out" on the best Portugal has to offer.

So how can you ensure you experience the very best of Portugal AND make sure you see EVERYTHING you need to see in one week...two weeks...three, or even a four-week vacation?

That's exactly what this special opportunity is all about.

Introducing the Portugal Scouting Trip Itineraries and Travel Guide

If you'd like to spend one week, two weeks, or up to four weeks in Portugal, this guide will show you how to have the trip of a lifetime while you're there.

This incredibly helpful, timesaving resource contains four highly-researched Portugal travel itineraries you can follow along the next time you visit Portugal.

All you have to do is determine how long you'd like to stay in Portugal. Then, simply follow the itinerary that most closely matches your trip's estimated duration.

That's it.

No need to worry about where you really should go in Portugal on your next trip. The International Living team has planned all the details for your Portugal adventure.

It's Like Having Your Own "Virtual Tour Guide" At Your Side On Your Portugal Adventure

Of course, you're free to divert from our suggested Portugal travel itineraries at any time...

Just think of these itineraries as trusted "starting points" for your own Portugal adventure.

You don't need to stick to the itineraries religiously..

Some of your greatest discoveries will likely be unplanned, unexpected, wonderful surprises you'll stumble upon along the way.

Perhaps it's a new "off-the-beaten-path" seafood restaurant you discover, with iconic views of the Atlantic Ocean...a local celebration in a hidden village you didn't even know existed...a private wine-tasting you get invited to in the Douro Valley...and so on...

Unexpected surprises like these often turn out to be the most fun, the most rewarding and the most memorable experiences you'll ever enjoy on a trip to a world-class destination like Portugal.

That said, it's always kind of nice to have some sort of "game plan" at first.

Something you can "lean on" at first to give your trip a bit of initial structure.

And that's exactly what these four highly-researched, well-planned Portugal travel itineraries give you.

This Portugal Resource May Even Help You Meet Your New "Neighbors" In Portugal

The Portugal Scouting Trip Itineraries and Travel Guide will show you how to travel around from place to place in Portugal...where to stay...where to play...and where to dine...

It will also show you where some of the popular local hangouts are...

This way, you'll have an idea where to meet a few folks already living in Portugal AND find out what it's REALLY like to live there.

And who knows?

Some of the locals you meet on your next trip may soon be your new neighbors!

But here's the thing...

The 1, 2, 3 and 4-week Portugal travel itineraries you'll get are just part of this special offer.

There's more...

The Portugal Scouting Trip Itineraries and Travel Guide also includes links to trusted websites and contact information you'll find immensely helpful as you plan your next trip to Portugal.

You'll even get a few expert tips and advice for traveling in Portugal so you can "do as the locals do" as well.

And here's perhaps the best part...

Act today and you can gain access to all of these incredibly helpful Portugal travel itineraries and tips at a significant discount.

Costa Rica Scouting Trip Itineraries and Travel Guide

Wed, 07 Dec 2022 10:34:06 GMT

Find Out How YOU Can Experience The Very Best of
Costa Rica on Your Own 7-Day, 14-Day OR 28-Day
"Exploratory" Trip!

Dear Reader,

Right now, Costa Rica offers just about everything a discerning, budget-minded world travel enthusiast could ever want.

It's got thousands of miles of National Parks...the cool temperate Central Valley, with all the comforts of home...the white sand beaches of the Caribbean coast...the jungle-clad mountains and spectacular coastline of the Southern Zone...the tropical beaches that stretch along the Pacific coast...and countless more lovely "hidden" discoveries in between...

What's more, in the right places in Costa Rica, a couple can live comfortably – even by the beach – on as little as $2,000 a month, all in.

So Costa Rica is not just a wonderful place to visit...

It's also a wonderful place to live...

That's why you should check it out first-hand!

How To Ensure You Experience The Very Best Of Costa Rica As Soon As Your Very Next Trip

How about your "exploratory" trip to Costa Rica?

I ask because once you discover all the exciting travel and lifestyle opportunities that Costa Rica has to offer, there's a really good chance you'll want to check out these opportunities in Costa Rica first-hand.

Also, you may want to know what you should check out first, second, third and so on...and the best way to do it all.

This way, you can sleep well at night knowing you won't "miss out" on the best Costa Rica has to offer.

So how can you ensure you experience the very best of Costa Rica AND make sure you see EVERYTHING you need to see in one week...two weeks...or even a four-week vacation?

That's exactly what this special opportunity is all about.

Introducing the
Costa Rica Scouting Trip Itineraries
and Travel Guide

If you'd like to spend one week, two weeks, or up to four weeks in Costa Rica, this guide will show you how to have the trip of a lifetime while you're there.

This incredibly helpful, timesaving resource contains three highly-researched Costa Rica travel itineraries you can follow along the next time you visit Costa Rica.

All you have to do is determine how long you'd like to stay in Costa Rica. Then, simply follow the itinerary that most closely matches your trip's estimated duration.

That's it.

No need to worry about where you really should go in Costa Rica on your next trip. The International Living team has planned all the details for your Costa Rica adventure.

It's Like Having Your Own "Virtual Tour Guide" At Your Side On Your Costa Rica Adventure

Of course, you're free to divert from our suggested Costa Rica travel itineraries at any time...

Just think of these itineraries as trusted "starting points" for your own Costa Rica adventure.

You don't need to stick to the itineraries religiously.

Some of your greatest discoveries will likely be unplanned, unexpected, wonderful surprises you'll stumble upon along the way.

Perhaps it's a new "off-the-beaten-path" seafood restaurant you discover, with iconic views of the Caribbean...a local celebration in a hidden village you didn't even know existed...an unexpected sighting of wild toucans, blue morpho butterflies or three-toed sloths...and so on...

Unexpected surprises like these often turn out to be the most fun, the most rewarding and the most memorable experiences you'll ever enjoy on a trip to a world-class destination like Costa Rica.

That said, it's always kind of nice to have some sort of "game plan" at first.

Something you can "lean on" at first to give your trip a bit of initial structure.

And that's exactly what these three highly-researched, well-planned Costa Rica travel itineraries gives you.

This All-New Costa Rica Resource May Even Help You Meet Your New "Neighbors" In Costa Rica

The Costa Rica Scouting Trip Itineraries and Travel Guide will show you how to travel around from place to place in Costa Rica...where to stay...where to play...and where to dine...

It will also show you where some of the popular local hangouts are...

This way, you'll have an idea where to meet a few folks already living in Costa Rica AND find out what it's REALLY like to live there.

And who knows?

Some of the locals you meet on your next trip may soon be your new neighbors!

But here's the thing...

The 7-day, 14-day and 28-day Costa Rica travel itineraries you'll get are just part of this special offer. There's more...

The Costa Rica Scouting Trip Itineraries and Travel Guide also includes links to trusted websites and contact information you'll find immensely helpful as you plan your next trip to Costa Rica. You'll even get a few "insider" tips and advice for traveling in Costa Rica so you can "do as the locals do" as well.

And here's perhaps the best part...

Act today and you can gain access to all of these incredibly helpful Costa Rica travel itineraries and insider tips at a significant discount.

The Ultimate Guide to Free Stays in Luxury Accommodation…All Over the World.

Thu, 12 Jul 2018 19:20:56 GMT

What if you could log on to a website like Airbnb and find hundreds of listings, all over the world, that cost $0 per night.

That’s right...$0 per night for Tuscan farmhouses, Costa Rican villas, Parisian escapes, Caribbean island homes, and more…

This isn’t a fantasy scenario. It’s exists right now, but few people are talking about it, and even fewer are taking advantage of it.

It's how Terry and her husband, Clyde, experienced life in the historic city of Valencia on Spain's southeast coast.

They stayed in a luxurious villa in Old World Spain...sipping wine and eating tapas by their own private pool...wandering cobbled streets to admire ancient ruins...lying on golden-sand beaches watching the waves roll into shore.

Their stay in that luxury villa didn't cost them a dime...

With the secret I’m going to share with you today, you can stay virtually anywhere in the world... for free.

Now, don’t bother spending time searching for these free listings on Airbnb. They’re not there.

But I’m about to let you in on my luxury vacation secret—and show you exactly how you can use it to stay in fantastic locations…all over the world…with no accommodation costs.

Sharyn and her husband Tim have been using it to stay for months at a time in destinations like Malaysia, Thailand, Vietnam, and Canada.

Most recently, they stayed in central London—in a spacious apartment close to all the tourist hotspots, and with every amenity within walking distance.

And Sharyn says they saved a pretty penny…

“An Airbnb would have been about $1,250. A CHEAP hotel would have cost at least $750. Even a dodgy hostel would have cost us at least $220! But our apartment cost us nothing!”

Understand: this isn’t some one-time deal that you get lucky to stumble across.

Retirees Glenn and Jacqueline Lamb used it to stay in luxury accommodation throughout Europe, Asia, Mexico and even Australia.

And you can use it too... to enjoy extended vacations, all over the world, with NO accommodation costs.

Hi, I’m Yvonne Bauche. My husband Michael and I have been traveling this way since 2012.

It really is like Airbnb—but free.

The very first time we did this, we stayed in a charming 15^th-century Tuscan farmhouse in Italy— complete with dogs, cats, and chickens.

We had our own private pool, perfectly situated for taking in the panoramic views of rolling hills and valleys.

The view from our private pool in the Tuscan hills

Renting a farmhouse in Tuscany with our own private pool would have cost us $2,000-$3,000 a week…minimum.

But we didn’t pay a cent to stay, not for internet, or even cleaning fees.

We were hooked from Day 1. And we realized that this was the way we wanted to travel from then on.

Luxurious Getaways…No Accommodation Costs…

No overpriced hotels... no expensive Airbnb’s... and certainly no hostels or budget hotels or having to do hard work or teach in exchange for lodging.

Michael and I have stayed in…

…a French vineyard, complete with its own cellar, where we enjoyed sampling the wine…

…a lavish villa in Costa Rica…

…a quaint village home in Cyprus…

and a villa on the shores of the Red Sea, Egypt…

Plus several ocean-view villas in the Caribbean.

All for free.

In fact, I’d guess that this secret has given us at least $30,000 a year in value over the past decade.

But it’s about more than just money…

These luxury accommodations have let us live like royalty... though we’re not wealthy people.

And we’ve enjoyed phenomenal experiences that we could only ever dream about before…

Things that ‘regular tourists’ don’t get to do...Our neighbors in Barbados invited us to a polo match.

We’ve been asked on sailing trips…

Our neighbors in Egypt took us snorkelling in the Red Sea…

And we even got taken on a private plane while we were in the Caribbean! We hopped over to a neighboring island for lunch and to have a look around.

We’ve enjoyed a private plane trip over Caribbean islands…thanks to our travel secret

Staying in these havens for longer than the average 2-week vacation, means we’re able to take advantage of amazing opportunities… ones that regular tourists either never find, or don’t have the time or money to afford…

During a sit in Quito, Ecuador, I had the time to find a heavily discounted boat trip around the Galapagos islands.

Seeing turtles, sea lions, flamingos and penguins all in one morning is hard to beat.

And in Argentina, we were able to explore the spectacular Iguazu Falls. It beats Niagara any day!

While we were in Egypt, we took a cruise on the Nile—from Luxor to Aswan.

Saving thousands of dollars on accommodation frees up our funds for these bucket-list experiences.

And it’s all thanks to our particular way of traveling that I’ll tell you about.

From Stressed and Overworked… to Early Retirement and Luxury Living

Michael and I didn’t always live this way...

Back in 2011 in Canada, we were stressed, overworked, and never able to get away for more than a week or two a year.

Between heating, electric, two cars, phones, and occasionally eating out…we were struggling just to survive.

“With accommodation costs all but eliminated, our roving retirement budget stretches so much further when it comes to more expensive activities like sightseeing boats and adventure activities. And because we stay in one place for a week or more, we can take advantage of cut-price deals for sites and venues on different days and times, including the local attractions.”
- Sharyn Nilsen

If we went on vacation, our budget was blown to smithereens.

We didn’t stay in luxury ocean view villas on those vacations either… Just the usual beach hotel for a couple of weeks here and there.

We dreamt of 5-star travel to far-flung destinations. But it felt like the stuff of fantasy.

Until we came across this travel secret that allows you to stay in high-end accommodation—all over the world—for free.

What I’m talking about is a very specific, niche type of luxury housesitting.

To be clear: I’m not talking about house swapping! This has nothing to do with your own home—so you can put that out of your mind right away.

This is housesitting—or more accurately, house and pet sitting.

Initially, we almost rejected the idea.

I mean housesitting… Why would we do that?

We weren’t interested in caring for a couple of dogs in yet another suburb of Vancouver or Edmonton or…God forbid, Toronto in the depths of winter.

But as we started to dig deeper, we realized that this very specific housesitting niche exists…

And it turned out to be the door to a dream life of luxury travel, in first-class destinations that we had dreamt about.

‘Regular’ housesitting is accessible to anyone. You register with housesitting sites, trudge through the ho-hum listings, apply for sits, and hope that the place you eventually get is halfway decent.

But I’m talking specifically about luxury, international housesitting—in the types of first-class places that ‘regular housesitters’ rarely (if ever) get access to.

I’ve already said that this particular type of housesitting is like Airbnb, but free. But that’s it at it’s most basic.

We’re Not in Kansas Anymore Toto…

Enjoying the view from our housesit in the Caribbean

As a luxury, international housesitter, you get a lot more than just free accommodation.

Sure, you can stay in places you would otherwise not be able to afford or find.

For example, we’re spending two months in a new ocean-view villa on our favorite island in the Grenadines. It’s our 6^th time here—and we’ve been looking forward to getting back to the views of the nearby Caribbean islands.

We have our own en-suite guest room, complete with walk-in closet. Our private pool is just beyond the outdoor dining area.

We like to float on the comfortable pool mats while stargazing at night.

The sky here is so clear, we can spot the Milky Way, pick out constellations and lose count of shooting stars.

To stay in a hotel nearby would cost at least $267 a night. And that would be for a poky hotel room.

Here, we have the entire villa to ourselves.

And that’s just the housing…

Even though this island is only 7 miles long, we have the use of a car. And the cleaner and gardener come twice a week.

On this visit, we’re staying for two months.

It’s our 6^th time here, so we’ll spend that time catching up with friends we’ve made on previous trips… and visit our favorite haunts.

You see, when you travel this way, you’re not a casual visitor, or a tourist… You quickly become part of the community, and get to experience life as a resident.

In fact, it’s the ideal way to explore and experience potential retirement destinations.

Test-Drive Potential Retirement Havens
Stay for Longer… Pay Less.

Forget about short, expensive 2-week stays—where you’re wondering “could I live here?”

With housesitting, you can stay in an area for longer and really get a true feel for what it’s like to live in that place.

And when you know how to connect with the right type of host (which I’ll talk more about later), you connect with the community from the get-go.

Knowing you have a pre-arranged housesit and a knowledgeable host for the first day or so makes things really easy.

Instead of arriving as a tourist, you’re greeted as a friend. The host can introduce you to a few neighbors, give you a guided tour of the area, and show you the best places to shop or eat out.

You quickly get to know the area in a way that’s impossible as a tourist.

That’s how Terry and Clyde decided that Portugal was where they wanted to retire…

Yes, my connections... I’ll explain how you can tap into my network in just a minute.

But first, one thing to note… Terry and Clyde were in France during peak season. Travel anywhere in Europe during July or August and accommodation is difficult to find…and expensive.

But that doesn’t matter when you’re a luxury, international housesitter. Opportunities are available year-round.

We housesat in London for two weeks during the 2012 Olympics. Try finding accommodation in any city hosting the Olympics for less than peak rates!

And the location was just perfect.

The front door of our home led right onto a busy London street. And the long backyard was an oasis of peace and calm.

It was the best of both worlds in big-city London…during the most massive sporting event in the world.

Those two weeks would have cost us $2,800 for accommodations. But we had an entire home to ourselves for free!

By now you’re likely getting a sense of some of the benefits of this special type of housesitting. But let me drill down a bit and be more specific…

The Advantages of Being a Luxury,
International Housesitter:

You save money: Instead of paying up to $300 a night for a hotel room, you get to stay free in exchange for looking after the home and pets. And the money you save can be used on fun things instead.

Terry and Clyde were able to afford a safari in Kenya, since they were already there on a housesit, and had saved on accommodation.

And you can forget about bills like cable, internet, utilities and sometimes even car rental! As a housesitter, that’s all covered for you.
Enjoy a millionaire lifestyle: Live like a millionaire without the millions. Spend time in havens you’ve only ever dreamed about. Places like Caribbean villas… Tuscan farmhouses… cute Cypriot villages… acreages in Mendoza Argentina and even penthouse suites in the world’s ritziest cities.

This ocean-view villa overlooking the Caribbean islands of Baliceaux and Battowia would be far beyond our budget, but this is our 6th time here.

“We love that we are able to explore neighborhoods we would never find by staying in a hotel and we love that we can feel like we are part of the local life instead of just the usual tourists. … we lived in absolutely stunning houses we wouldn‘t have the chance to stay at otherwise.

-Anna & Toby

Comfort: Staying in a home gives you more comfort and space than even the best hotels. And when you follow my strategy, you’ll likely have a lot more amenities too…

Like a full kitchen, ready-stocked with oils and spices, for gourmet dinners and long meals with friends.

You’ll likely have a washer and dryer…and possibly even the use of a car to explore the area.
Test-drive potential retirement destinations: Dreaming of retirement in a beachside condominium or a secluded rural retreat?

This is your chance to see if that lifestyle “fits” before you invest.
Travel like a local, not a tourist: Your hosts can show you the best places to shop, where to eat, and introduce you to their friends. You become part of the community immediately instead of slowly learning the ropes as a visitor—an experience pretty much impossible to recreate when living in hotels.
Flexibility: Forget the tour bus. As a housesitter, you have the time and flexibility to enjoy a more authentic experience.
Privacy: No landlords or hotel guests share your space. It’s just you, the house, and the pets (plus the cleaner and gardener who come by to work, in many cases!)

Visit Family and Friends Without Imposing on Their Space

“House sitting has allowed us both, who travel on a small budget, to experience something we could have only dreamed about, staying in Australia for 3 months, accommodation free, allowing us to really bond with our new Grandson and spend quality time with him.”

-Julie & Jonathan

Built-in friends: You’ll meet fascinating and genuine people who often become great friends. We now have a network of friends scattered across the globe, with invitations to visit whenever we are nearby. These are people we wouldn’t have crossed paths with back in Canada—and it’s enriched our lives to have widened our social circle.
Work from Paradise: If your work involves a laptop and an internet connection, housesitting is ideal. Choose a secluded cottage where you can work undisturbed—or opt for a city pad, close to shared workspaces for when you want company.
Stimulate your mind: Living for weeks or months in a new country gives you the time to take a language course, enjoy art classes, or take local cooking lessons.
Test-drive your dreams: If you dream of running a small B&B, take one as a housesit or as a caretaker and test-drive your new lifestyle before you commit your money.
Get off the beaten track: Explore smaller out-of-the-way places such as Burgundy, suburban Paris, or the Cotswolds. You’ll be rewarded with a more authentic experience.

Whether you want to explore retirement destinations… see more of your own country… or have a vacation and save money… Housesitting allows you to have the lifestyle experiences you want—often for less than it costs to live at home.

It’s a better way to “go on vacation”. You can travel longer, cheaper, and farther. And you get to experience new adventures, without sacrificing on the comforts of a home.

Why Would Anyone Let You Stay in Their Luxury Home?

So, why would anyone want to let you stay in their luxury home?

Well, there are lots of reasons…

This is an exchange (but not a house swap, remember)!

You’re getting something—a lot, in fact, as I’ve detailed just now. But you’re also giving something in exchange.

You’re giving the homeowner peace of mind.

The biggest benefit for homeowners is having someone take care of their beloved pets.

Nobody wants to have to put their pet in kennels for an extended period of time. It can be stressful on the pet, on the owner…and the costs add up if they’re going to be away for more than a couple of weeks.

“For almost 2 months we have had the furry love of little Charcoal, he’s definitely been a massive bonus for us. We knew from his owners how sociable and easy Charcoal was so that we could take him everywhere with us”

Having a housesitter means the pet can stay home…where they’re happiest.

Also, leaving a home empty—especially somewhere like here, in the tropics—can put it at risk of infestation or mold.

And some insurance policies won’t cover water damage or offer any type of coverage if the home is unoccupied for a certain length of time.

So having a sitter deals with all of that.

Plus, it’s a form of security. Lights are going on and off… there’s activity… The home is clearly occupied to anyone who might be scoping things out.

And it means the homeowner doesn’t have to ask friends or family members to call over each day to water plants or feed pets.

No more dead plants… No stressed-out pets for the homeowner…

And all the benefits of a comfortable home—for free—for you.

It really is a win-win!

But before you get too carried away, know that getting the plush, million dollar mansions or the ocean view villas isn’t easy if you’re new to housesitting.

Securing these kinds of sits takes more than a little experience and a lot of know how.

And connections...which is where I can help. More on that in a moment.

The luxury, international housesitting opportunities—Caribbean villas, Tuscan retreats, French chateaux, or Panama City penthouses—are highly sought after, as you’d imagine. Competition can be fierce.

When they list on housesitting sites, they can get more than 100 applications. And that’s if they get listed… So if you don’t know what you’re doing, you’ll get edged out by others who do.

And anyone new to housesitting is at a disadvantage.

It took us a bit of time before we were landing amazing housesitting assignments.

But these days, we don’t even have to apply anymore!

Michael and I get asked to come back and do "repeat" housesitting assignments in places like Barbados and St. Lucia.

The ocean-view villa I’m in right now is a repeat sit. The owners emailed me directly after we sat for them before.

It’s like owning your own second home…for free, and with no obligations!

And remember, Terry and Clyde got their Parisian suburb home through me—in a private group that I run. It never listed on the regular sites.

I’ll tell you how you can join our “elite” group shortly…so stick with me.

Want to Try This Yourself?

I’ve let you in on the ‘secret’ that Michael and I use…and how it saves us $30,000 a year, while we live in luxury.

And you might be thinking that you’ll browse some housesitting sites and give it a go on your own.

And the truth is, you absolutely can!

After all, that’s how Michael and I first started back in 2012.

It took a lot of time and effort…but we did it, and you could too.

Let’s say, after battling every applicant on the housesitting sites, and pitching for countless sits, you eventually manage to secure a housesit on an island in the Caribbean.

Amazing right?

Until you discover that it’s going to cost a lot more than you thought to get there… Or that the owner hasn’t fully committed and later cancels on you.

These are the kinds of things that can happen to “newbies,” inexperienced housesitters, or those who try to go it alone.

They’re enthusiastic and excited, and they go for any old sit that they’re offered.

Michael and I… plus the others I’ve told you about…we go for the Gold Standard.

Sidestep the Newbie Mistakes…
and Go for the Gold Standard

Some of our ‘Gold Standard’ housesits in Italy and the Caribbean

From our years of experience as housesitters, we’ve gathered a wealth of knowledge and tools.

Then there’s the decades of collective wisdom gained from our fellow sitters… people like Terry and Clyde… Sharyn and Tim… and Glenn and Jacqueline Lamb—who have done more than 90 sits in locations all over the world.

We’ve seen and heard it all.

Michael and I have developed a failsafe strategy that we use to get the best sits, while avoiding any newbie mistakes or issues. It’s a strategy that we’ve been using for years, making adjustments and improvements along the way.

And we want to share our knowledge with you. So that you can use our exact strategy to…

"Leapfrog" over everyone else who has decided to do it on their own…
Start taking advantage of this opportunity at a truly "elite" level—just like Michael and I have done—and skip the ramp-up time…
Start enjoying the kind of awe-inspiring, envy-inducing, once-in-a-lifetime, bucket list vacations most people only dream about…
And do it all without paying a cent for your luxury accommodation.

I’m confident that housesitting will enrich your life as much as it has ours.

If you’d like to spend quality time in some of the world’s most coveted destinations for weeks—even months—at a time… And if you’d like to live like a true local, without paying for your luxury stay, then this is for you…

You just need the right know-how.

So here's what I suggest…

Let Michael and I help you.

Learn from all our experience.

Find out what we did…what we're doing…what other top housesitters are doing…and simply replicate our success.

Doing just this will drastically slash the amount of time, energy, money and potential frustration you may face if you try to figure it all out on your own.

And it will make your overall housesitting experience that much more pleasant and successful.

How do you get our help?

Well, that’s where International Living comes in

How to Access Our Failsafe Strategy for
Free Luxury Accommodation

Some time ago, Jackie Flynn, the publisher of International Living discovered what we were doing…and wanted to know more.

She thought that what we were doing—staying for FREE at high-end properties in many of the world's finest expat and retirement destinations—was something that every IL reader needed to know about.

She reasoned it would be a near-perfect way for readers to "test-drive" an international lifestyle…even if it's just for a week or two each year.

And since accommodation costs make up one of the biggest chunks of any world traveler or expat's budget, they felt it was critical we share our strategy with their readers.

She asked us to create a program detailing everything we know about housesitting…everything we've learned…and everything we think IL readers should do to land the very best housesitting assignments in the world…

… and create not a book, but the ultimate online resource readers could access anywhere in the world they had an internet connection.

So after several months of hard work, Michael and I created a course that I really wish we had the first day we even considered luxury, international housesitting.

Oh my…would this have saved a lot of headaches!

We've named this course…

The Ultimate Guide to Free Stays in Luxury Accommodation…
All Over the World

It's a password-protected online course, that you can access anywhere you get internet.

With it, you'll have EVERYTHING you need to know about landing the most desired housesitting stays all over the world…right at your fingertips.

Michael and I went to great lengths and put in literally hundreds of hours detailing everything we know about landing—and enjoying—the very best housesitting gigs.

With our course, you don’t have to battle everyone that’s on housesitting sites. We’ll show you a backdoor in.

All the strategies and tips that we have discovered over the last decade have been compiled into this easy step-by-step course.

Everything you need for success is right here.

It hands you all the knowledge and tools you need to get started on your housesitting adventures.

So that you can…

Swap the last few weeks of the winter cold for an early-spring Caribbean trip…
Visit Paris in spring…when "The City of Light" comes to life…
Take a quick summer getaway to Puerto Vallarta, Mexico and enjoy its famed world-class beaches, ice-cold margaritas and fresh fish tacos while you live in style.

Or…you could do something completely different…

…like spend the month of March in Kyoto, Japan to marvel at the impossibly gorgeous blossoming cherry trees…
…book a free property on the Greek island of Santorini in August…and take in some of the most awe-inspiring cliffside views in the entire world…
…or…stay for free at a beachside home in warm, sunny Byron Bay, Australia for the Christmas holidays!

Once you access our program, you’ll discover…

Where and how to find the high-end, luxury housesitting assignments…
Build a winning profile – crucially important step for landing the top-choice sits.
The one simple trick to use that will make sure you stand out from hundreds of other profiles, so that your profile gets seen by homeowners. It always shocks me how many people don’t do this simple trick.
We give you our ‘secret code’ that can jump you ahead of the competition so that you make the homeowner’s shortlist.Everything you need to know about what to say, which photos to use, what headline to use—it’s all here.
References and Testimonials – discover how to get excellent ones, even when you are just starting out.
Examples of "housesitter wanted" ads and how to interpret them…

But we don’t stop once you’ve secured your first luxury housesit. With The Ultimate Guide to Free Stays in Luxury Accommodation…All Over the World, you’ll have our support throughout your housesitting experience.

With our help, you’ll know…

The exact words we've used in our profile to land a housesitting assignment in a four-bedroom luxury villa with a pool in St. Lucia…
The countries with the most promising housesitting opportunities. (PLUS: visa requirements, travel information, and sample prices for each.)
The best times of year to arrange housesits in different parts of the world. (You can avoid the busiest times of year and still experience everything a location has to offer…if that's what you want.)
A "communications flowchart" that will help you MASTER how to communicate with luxury homeowners. This downloadable PDF is worth its proverbial weight in gold…and then some!
Simple ways to connect with the local community during your housesitting stay…
Real-life housesitting stories. (Everyone from "first-timers" to experienced housesitters spill the beans about their experiences…and what you can learn from them.)
And a WHOLE lot more!

You'll even find out all the details on how to land housesitting assignments in some of the world's finest destinations, including:

Portugal
Belize
Italy
Panama
Costa Rica
France
Spain

This is the most comprehensive A-to-Z resource on how to get started and succeed in overseas housesitting today.

We created this course specifically to help you get ahead of the competition…to help you land those luxurious housesitting assignments in amazing locations like Tuscany, Italy… islands all around the Caribbean… Europe’s capital cities…and many more.

You’ll find everything you need to know about landing the most desired housesitting assignments all over the world in this program.

So, if you want to enjoy staying in luxury properties—anywhere in the world you want to go—for free…

…with the most powerful resource at your fingertips, this is your opportunity to make that happen.

The Ultimate Guide to Free Stays in Luxury Accommodation…All Over the World is a lot more than just reading material.

You see, we've also produced a series of short videos to help guide you through each section of the course.

In each video, we talk you through the section and tell you the most important things to know.

You can watch the short videos, get a feel for, and an overall view of each section in the course, and then dive into the reading material.

You’ll find it very well-organized and easy to manage. We made it this way so you won't stumble into any of the roadblocks you would encounter if you were to try this by yourself.

And getting this course NOW is the best first step I know of.

In fact, this course has already helped folks just like you completely change the way they spend time overseas.

People like Bob Hesner and his wife Shirley, who recently messaged us about their overseas housesitting experiences.

Bob wrote,

"Hello Yvonne, the program was a great success for us."

"We started in the UK in May of 2015 and have been housesitting ever since. We have been in the UK, Scotland, Italy, and Australia.”

Then there's Alice and Peter Henderson who wrote,

"We had never heard of housesitting until we met Michael and Yvonne and their no nonsense, plain, clear, concise explanation had us hooked immediately."

"We originally thought we traveled to see the sights, vistas and views. We now know we travel to immerse ourselves in the culture, food and peoples of the new places we adventure to, and housesitting not only allows this but fosters the adventure like no other experience.”

And then there’s Glenn and Jacqueline Lamb, who told us…

“The countries we have visited, the cities and gorgeous, fabulous homes we have stayed in, and the people (and pets) we’ve met along the way would not have been possible if it wasn’t for our housesitting lifestyle.

We have completed more than 90 house sits all over the world in Asia (Thailand, Hong Kong, Malaysia, Singapore), Europe (Spain, France, Germany, United Kingdom, Cyprus), the USA and Mexico and in our home country of Australia.”

We hear these kinds of stories all the time. Yours could be next.

When you access our successful housesitting course today…

Here’s What You Get…

You'll receive:

Access to the private, password-protected website…
All sections of the program with pointers on the types of questions to ask, tips on how to build a winning profile as well as all the "insider" secrets you'll need to book the best and most luxurious housesitting assignments…
Videos from Michael and I outlining the important take away points for each section…
PLUS… ALL the knowledge and hard-won experience that Michael and I have to offer YOU!

All this is yours when you agree to take a no-risk look at The Ultimate Guide to Free Stays in Luxury Accommodation…All Over the World right now…

I could reasonably ask $300 for this package. I mean, compare that to just one night in a halfway decent hotel or Airbnb.

This studio apartment in London lists for $329 a night. And it looks pretty average. Definitely nothing fancy.

But with the Ultimate Guide to Free Stays in Luxury Accommodation, you won’t have to stay anywhere ‘pretty average’ anymore.

It reveals secrets you won't find anyplace else.

Secrets that will help you book your own stay in Ecuador’s UNESCO World Heritage city of Cuenca, where you can enjoy open-air symphony performances while sipping a glass of wine in a cobbled plaza…

…or enjoy the peace and quiet from a rural retreat in the rolling green hills of Tuscany…

It provides advice, guidance, insights, and recommendations designed to land the world's most coveted luxury housesitting assignments faster and more efficiently than you ever could on your own.

And then there are the potential savings…

Consider this…

Michael and I have saved approximately $30,000 in accommodations costs every year during the past decade. And we've got many more years of high-end housesitting ahead of us.

Do this for just one trip, and this resource would likely pay for itself…the very first night!

And then…with the personalized attention and guidance Michael and I provide, too, you'll never be at a loss for what to do.

That's because this course ensures you're "working smart" in your journey towards living the high life in luxury properties all over the world.

That said, I want this to be as accessible as possible for anyone new to housesitting.

This power-packed housesitting resource can be yours for just ~~$300~~ $199.

But there's more…

Take me up on this deal now and I'll also toss in another extra resource as well…

** Fast-Reply Bonus **
How To Get The Best Deal On Every Airfare You Buy

With the right information, you can SAVE hundreds—even thousands of dollars—on every airfare you buy.

This report—yours with my compliments—shows you how to get astounding prices when booking plane tickets…

…the ‘system’ that IL’s Senior Editor uses to make sure he’s always getting the best airfare…

…the little-known airline ‘guarantee’ that gives you a refund if they sell tickets on your flight for less than you’ve already paid…

…and special quirks particular to the world's biggest airlines and their websites.

You'll also find out how to make the most of your frequent flyer miles—to get things like discounts, free tours, or access to VIP airport lounges.

Michael and I use many of the money-saving tips in this report since we fly so much to housesitting assignments all over the world.

In fact, I strongly believe that this special report alone could pay for itself ten times over every time you travel overseas.

And it's yours FREE when you take me up on this special offer today.

Guarantee

My Iron Clad Money-Back Guarantee to You

With this special offer, The Ultimate Guide to Free Stays in Luxury Accommodation…All Over the World is yours to enjoy for just ~~$300~~ $199.

And I totally guarantee that our program will give you...

The most efficient and effective way to get from where you are now, to housesitting for free in the kind of place you've likely only dreamed of staying in…
ALL the tools you need to start enjoying the kind of awe-inspiring, envy-inducing, once-in-a-lifetime, bucket list vacations most people only dream about…
ALL the real-world solutions, step-by-step instructions, and expert guidance you need to become a luxury, international housesitter as quickly and easily as possible…

Take your time and browse through the course, the videos, and the bonus report.

If you decide that this luxury vacation strategy—showing you how you can stay in fantastic locations…all over the world…with no accommodation costs—isn’t for you, just let International Living know by phone or email within 30 days.

You’ll get a prompt refund—no hassles, no fuss.

The fast-reply bonus report is yours to keep—for free—even if you decide housesitting is not for you.

Remember, you’re getting…

The Ultimate Guide to Free Stays in Luxury Accommodation…All Over the World (Value: $300, yours for $199)

FAST REPLY BONUS: How To Get The Best Deal On Every Airfare You Buy

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Luxury travel to ocean-view villas with private pools, with housekeepers and gardeners isn’t just for the rich and famous.

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And it’s my mission to help you do just that. I hope you’ll join me…

So please don’t delay…

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Sincerely,

Yvonne Bauche
Luxury International Housesitter

Creator, The Ultimate Guide to Free Stays in Luxury Accommodation…All Over the World

September 2022

P.S. Whether you want to explore retirement destinations… see more of your own country… or have a vacation and save money… Housesitting allows you to have the lifestyle experiences you want—often for less than it costs to live at home.

From a luxurious villa in Old World Portugal...sipping wine and eating fresh seafood by your own private pool... To an ocean-view villa in the Caribbean… To a luxury penthouse with skyline views of Panama City…

It’s a better way to ‘go on vacation’. You can travel longer, cheaper, and farther—without paying a cent for accommodation.

And if you want to travel full-time, like Michael and I—housesitting is perfect!

We spend less now to travel the world, than we did back in Canada… No paying for utilities, cable, internet, or car maintenance…

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Ecuador Scouting Trip Itineraries and Travel Guide

Tue, 10 Sep 2019 15:11:04 GMT

Find Out How YOU Can Experience The Very Best of Ecuador on Your Own 7-Day, 14-Day OR 28-Day "Exploratory" Trip!

Dear Reader,

Right now, Ecuador offers just about everything a discerning, budget-minded world travel enthusiast could ever want.

You'll find the most agreeable weather on the planet, a diverse geography (mountains, beaches, rainforests and everything in between), And easy living… you'll find good roads, high-speed internet, excellent supermarkets and shopping malls, lots of cultural events to keep you busy, and much more, plus an extremely low cost of living.

In the right places in Ecuador, a couple can live comfortably on as little as $1,800 a month, all in.

So Ecuador is not just a wonderful place to visit…

It's also a wonderful place to live…

That's why you should check it out first-hand!

Introducing the Ecuador Scouting Trip Itineraries
and Travel Guide

If you'd like to spend one week, two weeks, or up to four weeks in Ecuador, this guide will show you how to have the trip of a lifetime while you're there.

This incredibly helpful, timesaving resource contains three highly-researched Ecuador travel itineraries you can follow along the next time you visit Ecuador. Put together by the International Living Ecuador experts, you won't find another insider resource like it.

All you have to do is determine how long you'd like to stay in Ecuador. Then, simply follow the itinerary that most closely matches your trip's estimated duration.

That's it.

No need to worry about where you really should go in Ecuador on your next trip. The International Living team has planned all the details for your Ecuador adventure.

It's Like Having Your Own "Virtual Tour Guide"
At Your Side On Your Ecuador Adventure

Of course, you're free to divert from our suggested Ecuador travel itineraries at any time…

Just think of these itineraries as trusted "starting points" for your own Ecuador adventure.

You don't need to stick to the itineraries religiously.

Some of your greatest discoveries will likely be unplanned, unexpected, wonderful surprises you'll stumble upon along the way.

Perhaps it's a new "off-the-beaten-path" seafood restaurant you discover, with iconic views of the Pacific Ocean…a local celebration in a hidden village you didn't even know existed…an unexpected sighting of colorful geckos or three-toed sloths…and so on…

Unexpected surprises like these often turn out to be the most fun, the most rewarding and the most memorable experiences you'll ever enjoy on a trip to a world-class destination like Ecuador.

That said, it's always kind of nice to have some sort of "game plan" at first.

Something you can "lean on" at first to give your trip a bit of initial structure.

And that's exactly what these three highly-researched, well-planned Ecuador travel itineraries gives you.

This All-New Ecuador Resource May Even Help
You Meet Your New "Neighbors" In Ecuador

The Ecuador Scouting Trip Itineraries and Travel Guide will show you how to travel around from place to place in Ecuador…where to stay…where to play…and where to dine…

It will also show you where some of the popular local hangouts are…

This way, you'll have an idea where to meet a few folks already living in Ecuador AND find out what it's REALLY like to live there.

And who knows?

Some of the locals you meet on your next trip may soon be your new neighbors!

But here's the thing…

The 7-day, 14-day and 28-day Ecuador travel itineraries you'll get are just part of this special offer.

There's more…

The Ecuador Scouting Trip Itineraries and Travel Guide also includes links to trusted websites and contact information you'll find immensely helpful as you plan your next trip to Ecuador.

You'll even get a few "insider" tips and advice for traveling in Ecuador so you can "do as the locals do" as well.

First, here's a quick idea of what you'll discover when you order your Ecuador Scouting Trip Itineraries and Travel Guide today.

SPECIAL ECUADOR TRAVEL ITINERARY #1:
Introductory Ecuador: One Week

Ecuador is a relatively large country, geographically speaking.

It's about the size of Colorado.

Few countries in the world offer everything from a variety of climates zones, from tropical to cooler and dryer mountainous climates. Lush, green hills and fertile valleys, long stretches of beaches on the Pacific coasts…dense jungles teeming with exotic wildlife…an exciting capital city…pristine lake regions…and everything in between.

Ecuador boasts all of this and more…

But we know that you may not have more than a week to check out Ecuador the next time you go…

That's why we put together this itinerary, Introductory Ecuador: One Week.

It will show you where to go if you have only a week in Ecuador, but still would like to see some of Ecuador's finest sights and attractions.

This 7-day Ecuador travel itinerary will show you:

✔ The best way to get around Ecuador's capital city, Quito…

✔ The area of Quito that's most popular with international expats—home to the best shopping malls and upscale restaurants…

✔ The best way to see the social side of Quito…

✔The more popular expat communities in Quito—offering the most incredible views of the city and mountains…

✔ The most picturesque, indigenous town, located at the foot of the Andes Mountains, with a staggering array of wildlife, thanks to a large ecological reserve in this region…

✔ The artistic and musical outlets, situated in the cultural center of Ecuador, where you can find everything from golf, fishing, modern shopping malls and museums…

✔ PLUS: many more memorable sights and attractions you'll still have time to visit along the way…

SPECIAL ECUADOR TRAVEL ITINERARY #2:
Fundamental Ecuador: Two Weeks

I'll say it right now…

Two weeks in Ecuador is better than one!

With two weeks to explore this wonderful country instead of just one, you'll have more time to enjoy more experiences, plain and simple.

You'll also get a better feel for Ecuador on a more "relaxed" level in 14 days…since you won't be so concerned about jamming as much as you can into a short 7-day vacation.

Follow the itinerary, Fundamental Ecuador: Two Weeks when you go to Ecuador, and not only will you see even more of Ecuador than you would in just seven days, but you'll also get a much deeper, real-world insight into Ecuador's history, traditions, culture and lifestyle.

This 14-day Ecuador travel itinerary will show you:

✔ An easy way to explore the country from the coast to the highlands (or in reverse) while taking in the best beaches, grassy highlands, lakeside towns and expat destinations Ecuador has to offer…

✔ One of the most spectacular cloud forests in Ecuador…

✔ The Cotacachi-Cayapas Ecological Reserve, where you can see monkeys, tapirs, jaguars, ocelots, and more…

✔ The best way to get a true taste of local living in a funky little surfer town near Salinas…

✔ The Gateway to the Amazon – where you can relax in hot spas and enjoy stunning waterfall views…

✔ How to best explore the beaches and beachtowns on the 900 mile coastline, experiencing the different vibes of each…

✔ The thriving business center, nestled in a scenic bay, where the Choen River meets the Pacific Ocean…

✔ An alternative drive through the Valley of the Volcanoes, on the Pan-American Highway…

✔ The Malecon 2000 walkway, where you will meet hundreds of free-roaming iguanas…

✔ The city that could be your 'main city' for major shopping, should you choose to live in the lush green highlands…

✔ Where to have the best lobster dinner on the beach…for just $8…

✔ "The Swing at the end of the World" that will rock you 2,500 metres above sea level…

✔ Plus plenty more places you can check out, activities you can do, restaurants and cafes where you can enjoy Ecuador's best java and more during your 14-day vacation to Ecuador…

SPECIAL ECUADOR TRAVEL ITINERARY #3:
Comprehensive Ecuador: One Month

Ecuador has so much to offer, it can be hard to decide where to go and what to do.

Especially if you're limited on time…

With this one-month itinerary, you will really get to maximize your time in beautiful Ecuador, taking advantage of the two main international airports to avoid doubling-back on a 'return' journey.

Here's what this very special itinerary is all about.

✔ It fulfills the needs of the most demanding traveler…

✔ It allows for plenty of time for rest…for relaxation…for savoring the vibe and delights of Ecuador…

✔ And it will help guide you to some of the most spectacular scenery on the Pacific Coast and the highlands.

We developed this itinerary to take you from the rolling surf of the Pacific coast towns, to the diverse, grassy highlands with some unique experiences along the way.

This special extended, 28-day Ecuador travel itinerary will show you:

✔ Everything you definitely want to experience in Ecuador through the 'Surf and Turf' sampler—including its eternally green mountains and stunning beaches…

✔ The off-the-beaten path beach town that is popular for wildlife-watchers, shrimp lovers and those who want to get 'off the grid'…

✔ The stunning tropical forest village nestled in the western slopes of the Andes known for its many species of birds, butterflies, and orchids…

✔ Ecuador's largest open-air indigenous market, sitting at the foot of a large volcano, full of hand-crafted products, textiles, jewelry and more…

✔ The unforgettable scenic drive through majestic, snow-peaked mountains—some venting smoke and steam.

✔ Where you can soak in the beach-party atmosphere. This small coastal town is bustling with beach bars, dancing, karaoke…and you might even catch ukulele night…

✔ The best towns to ride in a mototaxi…

✔ South America's largest mall, where you can find a huge selection of traditional and modern shops…

✔ This coastal hidden gem village with a stunning combination of Pacific beach and lush tropical hills.

✔ The best way to experience the northern Andes locations…

✔ The ideal areas for retirees looking to escape the heat and humidity of the beaches…

✔ One of the most culturally diverse communities in Ecuador, home to the indigenous culture since the Spanish conquistadors…

✔ Where to find the four retired U.S musicians, who formed a rock and roll band. Expats love their amazing renditions of Golden Oldies…

✔ The three distinct sections of the Ecuador coastline…and which section you should visit if you want good infrastructure, healthcare and public transport…

✔ The best places to meet local expats and Ecuadorians; and maybe even find a new neighborhood that you never knew existed…but that's just right for you.

✔ The perfect place to relax and unwind after exploring Ecuador for several weeks…

✔ Plus much, much more "insider" advice on where to stay, what to see, where to eat and drink and more.

And please keep in mind…

…all this really is just a small, small taste of what you'll discover when you order the Ecuador Scouting Trip Itineraries and Travel Guide.

Order today and you'll also discover…

How To Get Around Ecuador

It's super easy to get around Ecuador.

With a rental car, you really can explore and experience the best of the country.

Order the Ecuador Scouting Trip Itineraries and Travel Guide and you'll find out the best routes and recommendations. Sometimes the shortest distance isn't the quickest route. Insider tips from our seasoned travelers will show you the best ways to get from place to place, without wasting precious exploration time.

You'll find out…

✔ What car rental companies operate in Ecuador…

✔ How to take advantage of Ecuador's well-developed regional bus system and save a whole lot of money when compared to other forms of transport…

✔ The sites that will prove invaluable if you are planning to travel the country using private drivers or tour services…

✔ And several more "insider" tips on getting around in Ecuador comfortably and easily…without overspending…

You'll Also Discover A Few Insider Tips For
Travelers And Expats In Ecuador…

You'll find out…

✔ What to pack. This guide features a handy section on packing, making sure you're prepared for the climate, no matter what time of year you plan to visit…

✔ Which currencies to bring with you and how much to budget…

✔ What you need to do if you plan to drive in the countryside in Ecuador!

You'll get all this when you order the Ecuador Scouting Trip Itineraries and Travel Guide today.

And right now, you can order the Ecuador Scouting Trip Itineraries and Travel Guide for just $79.

Your Satisfaction Is 100% Guaranteed

Here's the deal…

If you are not completely satisfied with the Ecuador Scouting Trip Itineraries and Travel Guide for any reason whatsoever, just let us know within 30 days for a full refund.

No questions asked.

It's our way of saying "Thank You" for giving the Ecuador Scouting Trip Itineraries and Travel Guide an honest try.

All you have to do now is click on the link below. Once you do that, your card will be charged just $79 through this special offer.

Don't let this offer pass you by.

Add the Ecuador Scouting Trip Itineraries and Trave to your cart now.

Costa Rica 101

Thu, 12 Jul 2018 19:20:55 GMT

The happiest people in the world live in Costa Rica…

The land of Pura Vida offers miles of sun-kissed beaches, fertile farmland, rolling mountains, and vast amounts of colorful culture…

It's safe and politically stable (not even an army), with a very low cost of living that includes top-quality medical care…

Costa Rica is one of the World's Top Place to Retire. And It May Also Be the Easiest.
Here's What You Need to Know…

Dear Reader,

My friend Donna tells a common story. She and her partner aren't wealthy people, but they've traveled a bit, looking for that perfect place.

In between their travels, they keep going back to Costa Rica to vacation. They're starting to wonder…is this their place? Costa Rica feels so welcoming and familiar… Can it be this easy?

Hi, I'm Dan Prescher. If you've been to Costa Rica, as many people have, then you understand its appeal…

It's a natural wonderland…a place full of exotic scenery and wildlife…where the sounds of the waves can lull you to sleep at night, and your morning wake-up is the call of monkeys and toucans…

It's a land of stunning beaches and lush jungles…rushing rivers and naturally warm thermal springs…fresh mountain lakes rimmed by regal volcanoes…rich farmland where anything grows…and vast amounts of colorful Costa Rican culture…

So it's little wonder so many tourists visit Costa Rica each year—the majority from the U.S. and Canada.

Maybe you've been one of them? If so, you know firsthand how much Costa Rica has to offer…

BIG NEWS: Costa Rica is Now Easier Than Ever

A new law offers even more incentives to expats, including reducing the minimum capital investment require for residency from $200,000 to $150,000, relaxing importation exemptions, and a special “Digital Nomad” law offers lucrative incentives to remote workers.

In both cases, not only is it easier to get resident visas but you won’t be considered a tax resident and required to pay any tax on foreign-sourced income. Keep reading for more details...

With so many uncertainties in the world today, Costa Rica is like a breath of fresh air.

Less than a three-hour flight from the U.S., it feels like a world away.

In some ways, it feels a bit lost in time…its small towns will remind you of the towns and neighborhoods you grew up in.

Fresh strawberries and cream are sold in roadside stands… Family life is valued…

Children of all ages can safely walk to school and back…Community centers are loud and lively places with daily art, music and cultural events… There's a town fiesta or celebration every week, it seems…

These are communities where neighbors watch out for and help one another. People treat one another with kindness and respect, especially their elders. In Tico communities, foreign retirees like us are welcomed as family…and treated as family.

"Tico," by the way, is what Costa Ricans proudly call themselves. And "Pura Vida" is the way they describe life in Costa Rica. Ticos live Pura Vida, the "Good Life." And you can, too.

Costa Rica is one of the World's
Best Places to Retire…

As I've said, if you've been to Costa Rica or you're pretty sure it's a place you'd like, you may already know something about Pura Vida.

And if you're thinking of retiring soon, you may be wondering how Costa Rica measures up—and why International Living ranks it as one of the “best places in the world to retire”.

The weather—From the temperate Central Valley to the beautiful tropical beaches, unless you're a snow lover, there's a climate for everyone. You will never scrape ice from your car or shovel snow. If you prefer a climate where all you'll need is couple of T-shirts and pairs of shorts, Costa Rica is your place.
Healthcare—Put any fears to rest. Costa Rica offers top-quality healthcare at an affordable price. When it comes to overall healthcare efficiency, says a 2018 Bloomberg report, Costa Rica ranks well ahead of the U.S.—critically important in this day and age.
And that's despite the fact that Costa Rica spends far less on healthcare per capita than the U.S. does.
A stable democracy. No other country in Latin America—or in the world, for that matter, has the peaceful history and democratic stability of Costa Rica, which doesn't even have an army—there is no need for one!
Comforts of home—In Costa Rica, you'll find world-class hospitals, modern shopping malls and supermarkets and big-box stores you know from home, with many of your favorite brands in stock. Reliable high-speed Internet is available just about everywhere. Public transportation is safe, reliable and plentiful.
Low, low taxes—You'll pay zero income taxes on foreign-earned income. If you buy a home in Costa Rica—your annual property taxes will be no more than $300-$500 in most cases.
Affordable real estate. Is there anywhere in the U.S. where you can buy a two-bedroom condo with a jaw-dropping ocean view for less than $279,000? Or rent a comfy home or apartment for $500 a month or even less? When you know where to look, you can find real bargains in Costa Rica…

In fact, when you know where to look…with the right kind of guidance…you can find the exact retirement lifestyle you're looking for…and it can be far more affordable than you've ever imagined…

Stick with me for more about the low cost of living you can expect in Costa Rica…especially when you settle in one of the up-and-coming destinations we've identified… And you needn't give up any of the creature comforts that make life so enjoyable.

There's more to consider, too. If you're worried about being far from family and friends back home, I've already mentioned the short flight times—less than three hours—from Costa Rica to the States (and only a little more than five hours to Canada).

When you live in Costa Rica, you will have more visitors than you can handle…I can almost guarantee that.

Who doesn't want to visit Costa Rica?

I can also pretty much guarantee that you won't be lonely in Costa Rica. I've already explained how welcoming the Ticos are.

You'll also find a built-in community of English-speaking expats—it's said that nearly 70,000 Americans and Canadians mostly retirees—currently live in Costa Rica.

But here's what sets Costa Rica apart from some other retirement destinations:

It's super healthy… Once outside the capital city, you'll find little pollution in Costa Rica—and lots of clean water and fresh air. Costa Rica is one of the only countries in the world to reverse deforestation. A staggering 99% of the country's energy comes from renewable, money-saving sources.
Adult literacy is practically 100%. Thanks to the well-educated, well-informed workforce, many international companies have offices, factories, and call centers here—contributing to the strong and stable economy. And when people have jobs, there is less crime.

With all this, it's no surprise that Costa Ricans are, in fact, the happiest people in the world.

That's according to sociologists from the Happy Planet Index who say Costa Ricans "report the highest life satisfaction and have the second-highest average life expectancy of the Americas (second only to Canada)."

And, as I've mentioned…

Costa Rica offers a surprisingly low cost of living.

➜ Retired expat couples in Costa Rica say they can easily and comfortably live on a budget of about $2,150 a month…sometimes less…and that includes their monthly rent and health plan.

Yes, there are some communities that are more affordable than others. I've already mentioned that in some places real estate costs are lower than others…not because they're less desirable, but because they're not on the tourist path. You'll find the same great beaches and mountain views, but at a far lower cost…

And of course, there are some tips and tricks that, once you know about them, can help greatly reduce your overall expenses.

For instance, when you become a legal resident of Costa Rica, you'll qualify for the Caja national healthcare plan. This is a huge cost-savings and "peace-of-mind" benefit for you. With some insider input, you can better navigate this system and save even more on your healthcare costs…

So How Do You Find Out if Costa Rica
is Right for You?

For years now, Costa Rica has been one of the most popular tourist destinations for North Americans. A record-setting 3.14 million international tourists visited Costa Rica in 2019. The majority from the U.S.

They come for the natural beauty. Nearly a quarter of the country is national park land and protected areas.

And they come for the beaches. There are plenty of those, on both Pacific and Caribbean Coasts.

And the country's Central Valley offers a nearly perfect climate…never too hot and never too cold.

Some of those tourists—like my friend Donna that I mentioned earlier—never want to leave.

They've dreamed of retiring to a place with beautiful scenery, better weather, and a far better cost of living. Costa Rica delivers on all that and much more.

Still, it's a foreign country. If you decide to live in Costa Rica you'll need a resident visa. And you're required to sign up for the Caja national health program. You'll need to decide where in the country you want to live, and if you'll rent or buy a home or apartment…

You'll want to decide whether or not to ship your household goods…to buy a car or not…what you'll do about insurance and taxes…how you'll manage your banking and financial needs…

You'll want to understand the rules for importing your pets to Costa Rica…what kinds of vaccinations are needed…and on and on…

Even though Costa Rica is one of the easiest places on the planet to retire to, there are many things to consider and plan for.

With something this important, you need reliable, up-to-date information you can count on, from a dependable, well-qualified resource.

That's where Kathleen Evans comes in.

In 2013, tired of the “corporate grind” in the U.S., Kathleen and her husband Steve moved to the lively beach town of Tamarindo.

There, she says they’re enjoying everything about the “Pura Vida” lifestyle.

As Costa Rica correspondent for International Living, it’s her job to travel Costa Rica from north to south and east to west.

She’s constantly on the lookout for ever-better places in Costa Rica to invest, to live, and to play.

She has contacts in every area of the country and she's on top of all the technical and legal stuff…the processes and requirements for getting visas and residency, for buying, renting, building, renovating, furnishing a home, moving your household goods, buying a car, bringing your pets, and so on…

Kathleen knows how much it costs to live in the many different communities of Costa Rica. And based on her own experiences and the experiences of hundreds of other expats she's interviewed over the years, she has a number of insider tips and strategies to help you save both time and money when you visit or live in Costa Rica yourself.

And if you think Costa Rica may be the place for you, Kathleen is committed to sharing her real-world, on-the-ground insights with you.

Of course, your very best course of action is to go to Costa Rica in person and spend a couple of months kicking around the country with her. It would take about that long for her to show you, firsthand, everything she's seen and everything she knows that can help you streamline your own move to Costa Rica.

Spending time one-on-one with Kathleen would certainly "fast track" your research, no question about it.

But, of course, that isn't a practical option.

Think how much it would cost… Even though Costa Rica can be a budget traveler's paradise, you'd soon rack up thousands of dollars in expenses.

So we asked Kathleen to do something to help facilitate your research. We asked her to create a personalized online virtual "retirement tour" of Costa Rica.

It's a way for you to gain access to her incredibly comprehensive and truly rich depth of knowledge and get "plugged in" to everything you need to know. A way for you to see for yourself, from the comfort of your own home or office, all that Costa Rica has to offer you.

It's an easy, streamlined, and most reliable way to get you from where you are now—to a better life in the perfect place in Costa Rica that's exactly right for you.

This is Your Invitation to Go "On the Road"
With Kathleen Evans

No matter how many times you've been there and no matter how many books you've read or online research you've done, what you don't know about Costa Rica may surprise you.

International Living has been reporting for more than 43 years now about the benefits Costa Rica offers retirees—and over the last several years, Kathleen has been asked to take on the most in-depth research-gathering project International Living has ever mounted on Costa Rica.

She's been challenged to dig deep…to round up all her insider intelligence and to assemble all this valuable information in one place…

It's a project we call Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle.

This has been no small undertaking. Even though Costa Rica is a relatively small country, it's large on opportunity.

In effect, Kathleen worked on this project for close to eight years now...the entire time she's been in Costa Rica.

And take it from me, no one is better suited for this kind of challenge. Kathleen is one of the most diligent researchers I know. She digs deep. She answers the questions you don't even know to ask…

Best of all, she makes sure the facts are reliable and verifiable. You can be certain that what Kathleen tells you is correct and current…and that's probably the most important element in all this…

Because you can't always rely on what you read online in expat forums or on the internet. You need a trusted resource.

Things change. Rules are adjusted. Laws are reformed. New policies are instituted. Here’s how to get the timely, updated information you need...

Just last year, in fact, the government signed into law two new programs that make Costa Rica even more enticing—with big incentives for retirees, investors, and digital nomads/remote workers.

Already there are many easy visa options available to you, including for retirees that want to rent.

But if you are applying for an investor visa by buying a home or investing in a local ag or infrastructure project, the amount required to qualify has now been lowered from $200,000 to $150,000.

In addition, you’ll be able to import your household goods, including two vehicles, planes or cars, duty-free. Your foreign-earned income (retirement pensions included) will not be taxed. And you’ll be eligible for a slew of other local tax breaks, too.

Additionally, a new “Digital Nomad Law” allows foreign nationals and their families a special visa to live and work in Costa Rica for at least a year with the ability to easily extend.

It, too, comes with a host of impressive benefits, excluding a full income tax exemption.

There’s more to know...and these are exactly the kinds of timely details and information you’ll get in Costa Rica 101.

It’s a complete resource reference of everything you need to know about moving to, investing in, living in, and/or starting a business in the world’s top overseas destination.

If you can name it, think of it, or wonder about it, Kathleen has you covered. Every issue is addressed, every challenge is covered, and every question is answered.

It's the next-best thing to actually exploring the country with Kathleen in person.

And it's the best way I know to not just "tell" you about all Costa Rica has to offer, but to "show" you so you can see it with your own eyes…from the comfort of your home.

With Kathleen as Your Guide, Put #1 Ranked Costa Rica on Your Short List Now

I've already mentioned the overall low cost of living in Costa Rica. And I should probably stress that Costa Rica isn't the world's lowest-cost destination.

But when it comes to overall value—everything you get at such a low price tag—Costa Rica is hard to beat.

It's a quality destination. Not to keep beating the drum, but it's a modern, First-World environment with all the comforts of home.

Still, it remains remarkably affordable. And as I've said, it very well may be the world's easiest retirement destination.

Low healthcare and health insurance costs have something to do with that. After all, if you save $5,000 to $10,000 a year…or maybe even more…on your health insurance costs, that money can go far in Costa Rica.

If you buy a home, you'll save thousands of dollars more on your property taxes. Last year, the average American spent $3,785 on property taxes for a home in the U.S.

In Costa Rica, you'll currently pay a mere .25 percent on the taxable value…which is usually only about one-quarter of the real value. In other words, you'll rarely pay more than $300 to $500 a year for your property taxes. Sometimes much less.

Costa Rica Really is Far More Affordable
Than You Think…

So how much does it cost to live in Costa Rica? The short answer is: whatever you want…within reason, of course.

As Kathleen says, if you focus on what's important you can live very well on a very low budget. You don't have to "keep up with the Joneses" here, she says.

"Your 'needs' will become simpler. You can live comfortably with a lot less stuff."

Most expats report they live happily and without sacrifices on $2,000 to $3,000 a month or even less.

For example, John and Caryl Buford live very comfortably near the Central Valley town of San Ramon on a monthly budget that typically comes in at about $1,500.

They own their home, so they don’t pay rent...but you can find rental properties in the Central Valley starting at about $500 a month.

“We live conservatively. We rarely go out to eat because she likes to cook and does it well,” John says, “We buy local produce and are not big meat-eaters. We own our house, so we're not paying rent. Our annual property taxes for six houses, now over 15,000 square meters of land, a four-story activities center with five apartments, and 13 residential lots was about $2,000 this year.”

As for their health plan: “For the both of us, we pay a total of 83,000 colones a month (roughly $150 US) for full hospital/medical, dental, optical, and prescriptions.”

I’ll share more about healthcare costs in just a moment.

But it's not just the cost savings you should consider…it's the overall improvement in your quality of life.

Here's a typical monthly budget, based on calculations for two people living in a mid-range, two-bedroom home in the Central Valley where the climate is so temperate you don’t need heat or air conditioning:

Housing (average rental):	$800
Electricity:	$50
Water and trash collection:	$10
Transportation—maintaining one car:	$130
Two cellphones:	$30
Cable TV:	$60
Internet:	$30
Healthcare: (Caja national health plan plus incidental doctor’s visits)	$250
Household help (once a week):	$40
Groceries:	$400
Entertainment/dining out:	$250
Miscellaneous:	$100
TOTAL:	$2,150

Your actual budget may be even less—some landlords include internet and other expenses like lawn care, water and trash pick-up. And, of course, if you pay outright for your home you won't have any rent payment.

You can see how affordable it is to live in Costa Rica.

You can afford to treat yourself with things you might not afford at home…like a maid and gardener, spa days, and more…

In Costa Rica, even the lowest budget affords a very good lifestyle. You'll enjoy guilt-free consumption at very low prices. For instance, splurge on a salon manicure or pedicure for just ($10 each), pay a maid to clean your house ($20 a day) or a gardener to do your lawn work ($5 an hour).

There are Three Destinations in Particular in Costa Rica Where You'll Find Good-Value Living.

When you make your home in Costa Rica, you can live very well for very little money, that's true…

But when you choose one of the lesser-known destinations Kathleen Evans has identified, you can live very well.

If you've been to Costa Rica, you may know the "Gold Coast"—the northern Pacific Coast where the popular beach town of Tamarindo is. That’s where Kathleen lives.

Even there, you can live affordably…but when you look beyond Costa Rica's more touristy destinations, that's where you'll find the bargains.

Kathleen's done a lot of digging, and along with the more tried-and-true communities popular with expats, she's pinpointed three special destinations—including an overlooked section of pristine coastline—that you'll want to take a look at if you're considering retiring or starting a new life in Costa Rica.

You'll find all the details in Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle.

Now…if you're doing your research on moving to Costa Rica, I know there's one more thing that surely must be on your mind…

What Can You Expect When
it Comes to Healthcare?

Remember, thanks to Costa Rica's national health program, your healthcare costs will be negligible. But should you desire elective procedures, you'll pay about one-third what you will in the States.

A facelift, for instance, averages $4,800 in Costa Rica, compared to $7,000 to $9,000 or more in the United States. A total hip replacement at a modern, private state-of-the-art hospital costs about $12,000 in Costa Rica compared to a cost of up to $43,000 in the U.S.

A dental implant costs an average $900 in Costa Rica compared to $3,500 in the U.S.

And don't worry at all about the quality of healthcare in Costa Rica. Hands down, the country's universal healthcare system is one of the best in Latin America and, indeed, among the best in the world.

The US. Would Do Well to Reform Its Lagging Healthcare System By Looking to Costa Rica’s Example, Says the Prestigious Commonwealth Fund: “With public frustration over the current system mounting, many in the United States believe that significant reforms are warranted. Costa Rica offers an example of an efficient health care system centered around a backbone of robust, community-oriented primary health care, characterized by strong and effective use of community health workers to improve access, quality, and equity.”

Once you obtain your legal residence visa, you'll be eligible (required, in fact) to participate in Costa Rica's universal healthcare system, the Caja.

For this coverage, a retired couple might expect to pay $50-$200 a month total for the two of them.

The Caja is affiliated with ten major public hospitals in the country and many small clinics in almost every community.

You can also buy private insurance—most plans cover dental work, optometry, and cosmetic surgery in the case of an accident.

Prescription drugs, certain medical exams, sick visits and hospitalization are covered at 70% cost, and surgeon and anesthesiologist costs are covered at full cost.

Private medical insurance in Costa Rica currently costs about $200 to $300 a month per person, depending on age and other factors.

And many doctors speak English and have received training in Europe, Canada, or the U.S.

Are You Ready to Learn More About How Easy and Affordable it Can Be To Retire to Costa Rica?

There's no better resource than Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle.

As I mentioned, Kathleen has worked on this for eight years now. She’s literally spent tens of thousands of hours on the ground in Costa Rica, doing research, collecting data, conducting interviews, and more…

Recently, she went into the studio to assemble a comprehensive series of 14 professional videos to bring her research to life. You can see, feel, and almost touch and smell Costa Rica.

You'll travel along with Kathleen as she introduces you to six distinct regions of Costa Rica…and to many communities in each of those that make for easy and affordable expat living.

And yes, you'll discover the three little-known areas that she believes are well worth your attention right now.

These are places your fellow expats have yet to discover in large numbers. Prices are low and opportunities are sky high.

To make a point here, this is no static report. It's not a manual…or a website…or a conference. Think of it more as a high-level "virtual conference," but much better…

She's the best Costa Rica expert we know and in this Blueprint, she takes you by the hand and not only introduces you to "her" Costa Rica, but she gives you the tools to make it "your Costa Rica."

Along with the six in-depth "destination" videos Kathleen has produced eight more "need-to-know" videos with advice about Costa Rica that will save you time, headaches and boatloads of money.

Here's just some of what's covered in Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle:

Your best resident visa options. There are several you might qualify for, but which is the best for your personal circumstances? Video #10 in the series is devoted to this topic and ensures that you don't make any costly mistakes.
Your healthcare options. In Video #9, Kathleen gives you the full rundown on the options that make the most sense for you, including how to qualify and what the costs are. (You'll be pleasantly surprised at the low cost of excellent medical and dental care in Costa Rica.)
How to safely purchase real estate in Costa Rica. Legal processes are a bit different in Costa Rica and having the right guide to those rules and procedures is invaluable—and that's exactly what Kathleen offers in Video #12.

What about shipping your household goods and your car? Should you? Why might you be better off buying a car in Costa Rica? Believe me, this is the kind of insider information you need. Kathleen clarifies import taxes, explains how much cars cost, and the best kinds of cars to drive in Costa Rica… She explains whether or not you'll need a local driver's license and how to get one…
How to structure your finances…where to bank, how to pay your bills…
How to get mail delivered…
What about communicating? What kind of phone and internet service should you expect in Costa Rica…how to best (and cost-free) communicate with friends and family back home…
How to find a good doctor…where to get the prescriptions you need and how much they might cost…
How to bring your pets to Costa Rica…
What to expect in the way of taxes, both at home and in Costa Rica (not much, thankfully)…and much, much more.

Importantly, you'll discover how to save money when you live in Costa Rica. It's not just about shopping in the local farmer's markets or eating Tico-style food (delicious, by the way)…

In Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle, you'll find out what's true and what's not. The internet offers loads of information about Costa Rica. Websites and chat groups are full of misinformation—so it's important to get the most up-to-date information straight from someone who knows Costa Rica inside and out.

Kathleen Evans offers you experienced perspective, valuable judgment, and on-the-ground guidance that will save you time, money, and frustration when you head to Costa Rica yourself… You can be sure you'll be completely and reliably "in-the-know."

It has more to do with picking the right place to settle…choosing the right kind of home to live in, and so on…

Kathleen offers all her insider tips and insights that will have you on a well-planned, streamlined course…

Best of all, she even provides a step-by-step Action Plan. If you've wondered or worried about how you might ever pull it all off…making a move of this type…worry no more.

If you're thinking of retiring to Costa Rica…or spending some extended time there…maybe opening a business or just reinventing your life…this Costa Rica Blueprint is your very best resource.

It's the fastest, most efficient, most cost-effective way to get you quickly ramped up so you can get from where you are now to the idyllic spot in Costa Rica that's right for you.

And when you're ready to actually visit Costa Rica firsthand for yourself, you'll be able to use your time wisely—because in essence, you'll have already been there, with Kathleen as your guide. You'll know where to go, who to contact, and the questions you'll need to ask.

This Costa Rica Blueprint delivers insider access… It hands you on-the-ground solutions that would cost you a minimum of $10,000 to gather on your own. Probably more like twice that. (Kathleen has spent far more than that on this project.)

But you don't have to spend that kind of money…no way.

Kathleen has done all the work for you. And she's just saved you a ton of money.

We could reasonably ask $1,000 for this program, which reveals tips and secrets about Costa Rica you won't find anyplace else.

But we won't charge you $1,000 for access...even though it's worth every penny.

It's available now, for just $499.

Plus, there's more that comes with it…

You Also Get 7 Comprehensive Special Reports and a Complete Resource Rolodex.

These Are Not Available Anywhere Else.

As Kathleen was taping the videos she created for the Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle, she discovered there were a few topics that required some extra lengthy reporting…too much to record on video.

So those have been assembled in a series of special reports—delivered electronically to get them into your hands as quickly as possible.

This is the kind of information you'll definitely want at hand as you prepare for your move to Costa Rica.

Special Report #1: Costa Rica Scouting Trip itineraries and Travel Guide. If you've got one week, two weeks, a month or more to spend in Costa Rica, you'll want this guide. Kathleen and her Costa Rica team have planned all the details for you…from how to travel around to where to stay—hotels, short-term rentals and much more. You'll also discover where to play…dine…and more…even the popular hangouts where you can meet expats who may some day be your neighbors. Live links to websites and contact information is all there for your easy access.
Special Report #2: How They Did It: Meet Happy Costa Rica Expats. Speaking of expats, sometimes it just takes a little motivation. That's exactly what you'll get in this special report. You'll meet expats in ten different areas of Costa Rica, all living their dream lives in the tropical sun. They explain exactly how they did it (and how you can, too) and they share personal details you couldn't get unless you quizzed them yourself… Find out what they do for healthcare, how much they spend on a daily and monthly basis, what they do in their free time, and much, much more.
Special Report #3: Practical Matters: Taxes, Cost of Living, Residence, Moving Your Household Goods and Pets, and Doing Business. Yes, Kathleen covers all this in the video series, but as you can see from the lengthy title, this special report digs deep. You'll get comprehensive sample budgets and money-saving tips, a detailed tax primer, a full explanation of various visa options and a complete legal resource rolodex. And if you plan to move with pets or children, or you're thinking of starting your dream business in Costa Rica, do not leave home without this special report. Nowhere else can you get this kind of valuable, all-inclusive information.
Special Report #4: Spotlight on the High-Quality, Low-Cost Medical Care in Costa Rica. This comprehensive report explains the differences of Costa Rica's public and private healthcare systems and can help you make an educated decision about what to do for your personal healthcare needs when you move to Costa Rica. You'll get all the details (including costs) of the Caja public care coverage. There's also a rundown of the best private hospitals in the country and a list of some of the best local insurance providers—with full contact information. There's even a list of questions to ask about insurance policies you may be considering and a tutorial on how to find the best doctor for your personal needs.
Special Report #5: The Guide to Renting a Home or Buying Property in Costa Rica. When you move to Costa Rica, you'll need a place to live. And whether you rent or buy, that means contracts. Word to the wise: Do not sign a rental or purchase contract without first reviewing this crucial information. Everything is covered…from typical costs and how to find a rental to what to look for in a reliable real estate agent, where to get title insurance, the various title structures, the correct process for registering a deed, and much more.
Special Report #6: Something for Everybody: An In-Depth look at Costa Rica's Regions. If you want insider information about areas of Costa Rica that offer a combination of livability, affordability, beauty, and convenience—you'll find it within the 40+ pages of this special report. All the "personalities" of these locales are sliced and diced for you. You're sure to find a hidden gem that's perfect for you.

AND Special Report #7: Your Costa Rica Rolodex and Resource Guide. This is another document you won't want to leave home without. You'll find 16 pages of resources that you can rely on to help streamline your scouting trip and your move to Costa Rica. Websites, email addresses, phone numbers, costs for services…it's all there…from accommodation and restaurants to airlines and shuttle services…to attorney, healthcare providers, moving/shipping and real estate contacts, language schools and much more, including handy travel apps you can load on your phone or tablet to make navigating your way around Costa Rica as easy and inexpensive as possible.

All You Need to Do Now is Place Your Order

As you know, there's only so much you can absorb when you're reading about and researching a place.

You do a "Google search" and tens of thousands of links come up. It's so hard to know whose opinion to trust. And the sheer volume of information can be overwhelming.

But that's what makes this Costa Rica Blueprint so special—and so useful. Kathleen Evans shares her real-world insights directly with you via video. She cuts right to the chase, right there in living color, and she answers every question you have about Costa Rica. I guarantee it.

Our Rock-Solid, Money-Back
Guarantees Means No Risk for You

Guarantee # 1—I guarantee this Costa Rica Blueprint will help you find the perfect Costa Rica lifestyle that's right for you. A place where you can live better than ever… stretch your retirement dollars...and have the time and funds to travel, relax, and enjoy life...

Guarantee # 2—I guarantee it will deliver the real-world solutions you need to get from where you are now to where you want to be…so that in just a handful of months, you could have "boots on the ground" in a part of Costa Rica you love. But if you feel the solutions we offer aren't for you, we'll give you a full refund. In other words, the risk is all ours.

Guarantee # 3—Should you decide to ask for a refund, you've got a full 30 days to do it. If you don't feel that Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle can help you to a new life in Costa Rica, just let us know and we'll refund every penny. That's how confident we are in the depth and breadth of information this Blueprint provides.

The joyfulness of Costa Rica…the laidback lifestyle, reminiscent of a kinder, gentler time in history…and with the modern pleasures and amenities now available and so affordable…

All this makes Costa Rica hard to resist.

The good news, though, is that it's all within your grasp. You don't need millions in the bank to capitalize on the opportunities in Costa Rica—one of the best-value retirement options you'll find. With so much to offer.

In Costa Rica, you can have the life you've been dreaming of. You can have it all…and on a monthly budget of $2,150 or less.

If you're looking for a tranquil, safe place to live…for total freedom and a non-intrusive government (with no army!) that will welcome you with open arms…where you can actually afford top-quality healthcare…have access to farm-fresh, healthy food…and a great year-round climate…

On the beach or in the mountains…where you can live well for $24,000 a year or less...you'll find all that and more in Costa Rica.

And in Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle, Kathleen Evans shows you exactly how to make it happen…how you can settle into a far better, more affordable, healthier life and do it seamlessly, enjoyably, confidently…

Think about it: A handful of months from now, you could be sitting on your own terrace, a hot cup of Costa Rican coffee or a frosty, delicious drink in hand, watching toucans and parrots fly overhead or the sun set over the gorgeous blue ocean…

I hope you'll let us show you how…just ‘add to cart’ now and we'll get you started.

Sincerely,

Dan Prescher,
Senior Editor, International Living
February 2022

P.S. If you have any doubt that Costa Rica offers the very best lifestyle—at a very affordable price—your mind will definitely be changed after you've sifted through the 14 professional videos, the seven comprehensive special reports, including the hefty resource rolodex that make up Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle.

There are so many reasons Costa Rica is one of the world’s top retirement spot.

If you've always loved the idea of retiring in real comfort…where you don't have to worry about rising healthcare costs and crime rates, out-of-control government spending or crazy politics…

Then I encourage you to take a look at Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle. It was created with you in mind.

Follow the blueprint Kathleen Evans has created for you. Let her introduce you to the special places she's discovered. Let Kathleen share her expert insights with you and help you shave months…even years…off your learning curve.

Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle is like taking a whirlwind investment and lifestyle tour of Costa Rica.

Only instead of paying thousands of dollars for the travel fees and expert advice, we hand it all to you right there in the comfort of your own home for just $499 when you order Costa Rica 101: Your Blueprint to the Pura Vida Lifestyle now.

Remember, there's no risk to you. You have our 100% Money-Back Guarantee.

Escape To Ecuador

Wed, 07 Dec 2022 10:51:19 GMT

“I went from pill-popping stressed-out zombie—to healthy, happy and 20lbs lighter. This place showed me I could rebuild myself and be the person I’ve always wanted to be.”

What Would You Do with a Second Shot at Life?

Continue working…or enjoy morning walks and lunch with friends?

Watch housing payments go up…or own a villa outright for less
than $180,000?

Travel more? Write that novel? Go fishing?

In Ecuador it’s All Possible…

Dear Stressed Out, Overworked Fellow American,

“I went to work at 8 a.m., worked through lunch, leaving at 7 p.m., drove through Taco Bell, devouring tacos while driving home.

“On arrival, I’d pop open a bottle of wine, watch The Bachelor, take an Ambien to help me pass out, then wake up and do it over again.”

That was Donna back in 2014…

If your day looks anything like this, you’ll want to know about the havens we recommend in Ecuador…

Here Americans are rediscovering the freedom of their college days—and finding that life really can offer second chances.

Stressed-out Donna back in 2014

“I was overweight, stressed out, a bad eater, addicted to the news, overworked, mentally exhausted, and a physical blob.”

Despite having a high-paying job, Donna’s lifestyle wasn’t worth the price.

Work ruled her life. She was missing precious occasions with family and friends…had abandoned her former hobbies…and was constantly exhausted.

“I had no joy in life, and I was on the express lane to death.”

It was time for a change, as she tells it. Time to rediscover the person she was before she got lost in her career, material things, and dealing with a stressful life.

So Donna put together a list of criteria, if she could just start over, this is what she’d want…

A year-round spring climate was at the top of the list. After 40 years in Florida, she was fed up with the heat (and $300-a-month AC bills.)

“In Florida, summer days were so hot I needed oven mitts for my steering wheel!”.
#2 on Donna’s list was friendly people. “I come from a large family and know the importance of community.”
Third on the list… A low cost of living. Donna was tired of the daily grind… the 50-hour weeks… the never-ending bills… If she could just go somewhere less expensive, she could afford to retire.

Through International Living, she discovered the warm, welcoming, life-changing havens of Ecuador…where—as she discovered in person—a couple can live well for $1,800 a month (or even less.)

“I found a kind and tranquillo culture where religion and family come first, everyone knows each other, and where time slows down.

“I could rebuild myself. Find contentment. Restore my balance. Be healthier and happier. And I’m convinced that if it could do that for me, it can do it for you too.”

12 months after reading about Ecuador, Donna, her husband and their three dogs had settled in to their new hilltop hacienda. They would wake to the sound of the river running behind their home, and views of the European-style colonial city spread out below.

She was happier and healthier than she had ever been…and 20 pounds lighter thanks to the local, farm-fresh food, and naturally more active lifestyle.

Donna and her German Shepherd Greta at the riverbank near her hilltop hacienda

It’s true… in the West you’re told this life is only possible with a gym membership, a diet, prescription drugs and a $100 per hour shrink.

But what if that’s all baloney?

What if the answer to living healthier and happier is to live in a place where many of America’s problems simply don’t exist?

Forget ugly politics…media-fuelled division…the ‘never-enough’ accumulation of ‘stuff’… There’s a different, better way to live—in a place that’s gentle on the soul. And it’s where Donna found her second shot—at happiness, youth and retirement.

“I didn’t know how profoundly living in this more natural, spiritual, kinder place would rebuild me.” Donna says now.

Ecuador gave her a second chance to do the things she always wanted to do, without having to worry about watching every penny.

And it can do the same for you…

The Best of the U.S., Without the Ugliness

In Ecuador you’ll find a fun, cultured, warm-weather haven where folks like you are re-writing their futures. They’re discovering new passions, priorities and opportunities. And they’re doing it for less than half what it would cost them to stay home.

Donna’s average day looks a lot different now.

She spends her time walking her dogs along the river trails close to her home… playing pickleball with friends… wandering around town admiring the Spanish-colonial architecture… and meeting up regularly with her gal pals for long, leisurely lunches, followed by some shopping.

“The mornings of waking with a tight stomach started to give way” she says. “In short, I started to relax.”

Donna’s in good company…

Jim and Diane in Ecuador

Jim and Diane had all the trappings of success in New York. They had good jobs and could afford to live comfortably.

But working so hard meant they never had the time to enjoy the things that matter. Life wasn’t much fun.

So they began to look abroad...for a more tranquil, less stressful place to live that was affordable enough to allow them to stop working.

They wanted someplace with warm weather, and plenty to keep them entertained. They wanted to inject some fun into their lives again.

They found all that and more in Ecuador.

While most New Yorkers are busy trying to make a living, Diane and Jim found a better way to live. Here they could enjoy the simple things… linger over a cappuccino at a sidewalk café... listen to a Symphony Orchestra (for free!)… or catch a movie at the international film festival in town.

Bob Doyle left Oregon for Ecuador in 2019 and hasn’t looked back…

“I can pursue my interests, enjoy music, go to funky restaurants, eat healthy food, and meet interesting people. I feel alive here” he says.

What Does Your Second Shot at Life Look Like?

If you could quit work…escape the rat race… go back in time to the freedom of your college days… and not worry about money… What would your typical day look like?

Perhaps you’d spend your mornings walking your dogs along river banks like Donna… or enjoy a free afternoon symphony performance in a UNESCO World Heritage site like Jim and Diane…

…Enjoy a $2.95 craft beer at one of the local micro-breweries… Attend a gallery opening…

…Join friends for a game of pickleball…bowling…or writing class…

…Explore the fish market where you’d find fresh sea bass, swordfish, grouper, and more for $1.50-$3.50 per pound…

…Or maybe you’d volunteer in the local community teaching English—like Bob.

In Ecuador you can design your day however you like. In fact, it’s exactly what I did…

My name is Dan Prescher, Senior Editor at International Living.

I have dozens, if not hundreds, of stories from expats living in this tranquil Eden that I could share.

My wife and I spent 8 years in this warm-weather haven when we were in our forties. And during that time we hit the reset button on our lives.

We expanded our personal frontiers and found that we could design a life that fit our personalities better than the work-obsessed treadmill of North America.

My wife Suzan enjoying the view from our condo in Cotacachi…Ecuador beach sunset…Suzan and I in Baños

That was thanks to this stunningly beautiful country, where time slows down, community comes first…and you have the freedom to be yourself.

Suddenly we found ourselves caught up in a whirlwind of parties, day trips, and dinners like we had never experienced before.

After years of work, chores, and errands, focusing on simply having fun was delightful!
— Ed. S

Ecuador is so much more than just an incredibly cheap place for older retirees... Since the pandemic, it’s been attracting younger folks—early retirees…remote workers…retired military…even couples in their forties with school-aged kids in tow.

A small little country—about the size of Nevada—Ecuador punches way above its weight.

It’s won the top spot on our Global Retirement Index three times in the last decade. And with good reason…

From the snow-clad slopes of the Andes mountains down to the vast Pacific coast beaches…the Amazon jungle to the famous Galapagos islands… Ecuador packs in a range of landscapes and lifestyles.

Picturesque mountain towns…vibrant beach communities…European-style colonial gems packed with historic architecture…to bustling and sophisticated big cities.

(I’ll take you through the most popular ones in just a minute…)

From European-style colonial cities to vast Pacific beaches, Ecuador has
something for everyone

There really is something for everybody…and at a low, low price.

I call it “New Mayberry”, because for many expats, Ecuador’s calm, civilized culture now feels like….

The Perfect Balm for Today’s Fractured World

It’s like the best of the U.S., without the ugliness. No more crazy politics, division or work-obsessed rat race.

In many ways, it’s like stepping back a few decades in the U.S. But that’s too simplistic.

Really, it’s as if the last few decades in the U.S. never happened here…

People greet you with a respectful ‘Good morning’ or ‘Good evening’ while you enjoy a daily stroll. Neighbors drop in on each other with home-cooked food. Folks of all stripes can have dinner together and get along…

It’s easy to describe Ecuadorians as “old-fashioned,” but that’s patronizing.

Ecuadorians are no less modern than people anywhere else. You’ll find malls, KFC franchises, iPhones, and Netflix in all the main towns.

It’s just that they’ve managed to absorb the influences of the post-internet world, without losing courtesy or human grace.

For both Jim & Diane, and for Donna, the physical and mental price of American “success” was in danger of breaking them. In Ecuador, they were able to rest, recover, and rediscover their true selves again. Here they found that yes, indeed, life does come with second chances.

Ecuador is still a safe, cheap place to retreat from the world. But if you’re an energetic, active type who wants to revitalize your life…the new Ecuador is perfect for you, too…

In Ecuador, You Can Have It All

As one of the world’s top retirement destinations, Ecuador has a lot going for it…

Year-round spring weather. In the many mountain towns of the Andes, temperatures hover around 75F during the day, and 55F at night—year-round. You’ll have no need for AC nor heating—which means low, low utility bills.

Linger at outdoor cafes any time during the day, all year long. Or for the more active, enjoy hiking and exploring.

If you like things a little hotter, you’ll find your sweet spot at one of Ecuador’s tropical Pacific coast beach towns, where the warmest sunny days sometimes hit the high-80s.
Warm and welcoming community of both locals and expats. You’ll quickly establish friendships with like-minded people.

“Do you enjoy playing bridge? Friends meet for games in each other's homes weekly.

Bowling? See you at the lanes in Mall del Rio.

How about yoga or Crossfit? Knitting? Writing? Acting? Book clubs? Fishing? There are folks getting together to do all these and many more.” – Ed S., Cuenca expat.
Bargain real estate. Modern city-centre condos can be had for under $125,000. A mountain-view duplex close to downtown Cuenca recently listed for $124,900.

Steps from the Pacific ocean, you’ll find homes for $100,000—or even less!

Rentals are amazingly cheap. Even in the bigger cities, you’ll find rentals from as little as $250 a month. But figure around $490 for something really special…like restored colonial homes in the heart of historic Cuenca.
Accessible, affordable healthcare. Public health coverage is available to everyone for around $75 a month. With it, you’re covered for all medical, dental and eye care. Many expats choose private healthcare for a wider choice of hospitals and doctors. At just $120 a month on average, you’ll be saving a small fortune compared to healthcare back home.
The currency is the U.S. dollar, so no need to change your currency or do any math.

Ecuador is not like the U.S., where inflation is at a 40-year high. In Ecuador, prices have increased somewhat in the past 10 years. But expats report being able to live on half, or even 1/3 what they did back home—for a similar lifestyle.
Delicious, healthy food. Pretty much anything grows here—and it’s not messed with. You’ll be eating fresh, organic, locally-grown fruit and vegetables. No GMO…no high-fructose corn syrup…nada.

Ecuador is relatively self-sustained. If planes stop flying and gas stops flowing, farmers still come in from the countryside to the mercados with their produce.
Close to home—just 4 hours from Miami… 5 from Atlanta or Houston.
More personal freedom. There’s less government interference here than in the U.S. Let your dogs run free on the beach…paint your home whatever color you want… it’s about personal responsibility, rather than government regulation.

Here you can live life like it's meant to be lived…fresh air and a perfect climate, deliciously healthy food, and the warmest, kindest, most generous people as neighbors.

And no matter where you choose to visit, you’ll be in good company. You’ll find plenty of established expat communities where friendship comes fast.

By far the most popular area with expats is the mountainous spine of Ecuador. And with all the advantages I'm about to share (including an international airport,) it's not hard to understand why.

Colonial Cuenca: The World’s Top
Retirement Destination?

European-style architecture along one of Cuenca’s four rivers

For city-lovers who are looking for a large expat community and cultural events, Cuenca is where it's at.

Browse the galleries… drop in on the international film festival… or find a shady spot in one of the plazas to enjoy a free concert or symphony performance.

Ecuador's third-largest city feels more like a charming old-world town. The colonial-era buildings have been converted into swanky hotels… rooftop restaurants where you can indulge in fine dining (enjoy a dinner of grilled salmon, followed by dessert and a cocktail for just $35)… and boutiques crammed with artisan craft items, artworks and unique homewares.

And the downtown area was declared a UNESCO World Heritage site in 1999.

It’s the closest you’ll get to an Old-World European city in the Americas. Expat Connie P. says it…

“reminds me of Italy. We spent time in Europe as a young couple and planned to retire to Italy...until we discovered Ecuador. We fell in love with the cobblestone streets, terracotta-roofed brick buildings, colonial churches, plazas, outdoor cafés, and wrought-iron balconies draped in bougainvillea.”

You won’t need a car. Taxis rarely cost more than $3.50 across town. But the city is easily walkable. And the year-round Spring weather makes doing so enjoyable.

Cuenca’s slow pace of life and welcoming community is where Donna found her second shot at life. The low cost of living is the cherry on top…

“I live like a queen. I live off my social security, on $1,800 a month. That budget includes having a maid and gardener and going out to lunch or dinner once a week. I don’t need A/C or heat. When it’s hot, I open a window. When it’s cool, I shut the window.”

Looking for a more pastoral life? That's where wonderful little towns like Cotacachi or Vilcabamba come into play.

Cotacachi: “Indigenous Central”

Just 90 minutes from Quito airport, you’ll find the little artisan
town of Cotacachi

Ecuador’s indigenous peoples make up 40% of the population in or around this magical town—known for its leather shops. Cotacachi is a place where you walk down the street, see someone you know, and catch up at leisure in one of the family-owned cafés.

Thanks to its stunning location between two great volcanoes, some say it resembles Hawaii—without the high prices.

And it’s the perfect antidote to the hectic treadmill of U.S. living…

Joel K. moved here more than 10 years ago with his wife, daughter, granddaughter and 5 pets…

“We were in a rut. We were doing the American dream…big house, 2-3 cars, boat, house in Las Vegas.

We were working to pay for our 3-week vacation every year. And we were just pretty tired and thought there had to be something else.”

They found a better life in Cotacachi, where they live in a large hacienda with views of both mountains.

Joel’s 1.25 acre property in Ecuador’s Hawaii

Joel has a gardener take care of his 1.25 acre property, and a maid keep his home and two casitas in perfect order. He prefers to spend his time jamming with his musician friends. You can catch their band playing regularly in town.

His monthly budget? Just $1,857 a month…

That even includes private heathcare, dining out, and internet that he says is faster than his brother’s internet in Arizona.

Other mountain towns offer their own unique charm…

Vilcabamba earned its nickname “The Valley of Longevity”—thanks to rumors of locals living to over 100. It’s hippie-ish vibe attracts expats in search of a holistic way of life, where you can turn on, tune in and drop out.

But you won’t sacrifice on luxury here…

You’ll find high-end stores, a French bakery, Italian pizzeria, Belgian chocolatier, and more.

In the little town of Baños, practically every home has seedlings, houseplants, and garden greens in neat rows out front. And every slope is terraced with well-tended crops.

It's a hub for outdoor activities. You can mountain-bike, trek to magnificent waterfalls, or bungee-jump off a bridge above a river. If that sounds too hectic, simply relax in the thermal springs that the town is famous for.

Choose Your Spring-like Climate

In the mountain towns of Ecuador’s Andes, you really can choose your spring-like climate. Average temperatures fall with every increase in elevation.

For example, three hours south of Cuenca, the university town of Loja sits at a lower elevation and is noticeably warmer.

Whereas farther south again, in Vilcabamba, it’s warmer still. You’ll see lime trees growing next to coffee bushes and huge date palms in full fruit.

If you don’t like the climate in one town, just change your altitude!

Beach lovers won’t be disappointed in Ecuador either. The Pacific Coast offers sleepy fishing villages, surfing hotspots, resort towns, and more, including…

Salinas: the Miami Beach of Ecuador—with three wide, sandy beaches connected by a pleasant walkway. Expats report enjoying the resort vibe, without resort prices.

According to expat Denver G., “Many local spots have lunches for less than $5 per person, and you can usually have dinner for two, with drinks, for less than $20.”

Three beaches not enough?

Farther north, Manta has a dozen beaches within the city limits.

The mountains extend right down to the ocean, making for spectacular scenery. No matter your vantage point, the Pacific remains in view.

Just one of Manta’s 12 beaches

Plus you’ll find all the big-city services you could ever want—including two excellent private hospitals, and a brand-new public hospital operated by Ecuador’s national healthcare system, IESS.

It’s also where you’ll find Ecuador’s best golf.

If you're a beach lover and have a bohemian streak, you might check out Montañita. It’s a big-wave surf and party town that sways to a reggae beat.

Or take a $1.50 taxi to nearby Olón for a more mature, family-friendly vibe. Expats lounge around private pools at their villa or condo building, and eat at cheery outdoor terrace restaurants or one of the beachside cabañas.

And just like everywhere else here, it’s seriously affordable…

“We’re living in a really nice house, right on the ocean. It’s a three-bedroom house, new build, with a huge living room. It costs $750 a month.”
— Expat Pat P. in Olón

In just a moment, you'll learn how you can get a comprehensive look at all of these regions—and many more that I don’t have the space to cover here—to find the lifestyle that appeals most to you.

But first, I want to mention a remarkable phenomenon that pretty much every visitor experiences soon after arriving in Ecuador…

“Magically” Lose 20lbs—Without Even Trying

During his first five weeks in Ecuador, Jim S. lost 20 pounds weight “with no conscious attempt to exercise or diet.”

Kelly D. says both she and her husband lost 20 pounds. “Our health has improved substantially,” she adds.

Mark G. says he “lost 25 pounds in a year, without even trying.”

On average, expats in Ecuador report losing 20 pounds—without following a diet or exercise regimen.

The reason? Well first off, if you live here you tend to walk more.

Most people walk from store to store instead of hopping in a car to drive a few blocks. No snowy winters or sweltering summers means you can enjoy outdoor activities 12 months of the year.

You’ll likely eat better, thanks to the fresh, organic, non-GMO produce. And the stress-free lifestyle works wonders. Take it from Dave, another expat...

“My health’s really improved since I got here. That’s partly because I don’t have work stress anymore, but a lot of it’s down to the lifestyle here. I’ve lost lots of weight, even though I’m eating more than ever!”

But if you do need medical care, you’ll be pleasantly surprised at the quality of care, and the low cost…

For a general idea of costs, a reasonably healthy person between 50 and 70 years old can expect to pay a monthly premium in the range of $50 to $150. This gives you good private coverage, with a modest annual deductible (often less than $500) and covers at least 75% of out-of-pocket costs.

“La Yapa” Culture

As she filled my glass from a jug, the waitress encouraged me to take a sip.

I thought she was asking me to taste it. In fact, she was explaining that if I made a space in the glass, she’d top it up. There was, after all, still some juice left in the jug, and I might as well have it.

I learned later that this concept is called la yapa in Ecuador and is an integral part of the culture.

It’s the little bit extra—whether it’s an additional mango added to your bag after you’ve paid at the market, or a spare set of laces thrown in with a new pair of shoes.

— Sean K

Public healthcare costs even less… Figure on around $75 a month. And that includes dental!

An MRI will set you back just $180—and you can expect your results that same day. One expat I know used to spend a $25 copay in the U.S. for her monthly prescription. In Ecuador, it’s just $3.50.

In another case, a month's supply of a general blood pressure medication, for example, costs about $45 in the U.S. and less than $10 in Ecuador.

Donna thankfully hasn’t had much cause to use the medical system. But she does take advantage of cosmetic treatments—for a fraction of the cost of back home.

She pays $200 for Botox, and $400 for fillers that cost double that in the U.S. Donna’s friend opted for a lower facelift for $750. The same procedure costs up to $10,000 in the U.S. But most importantly, she’s thrilled with the results!

In cities like Quito, Cuenca and Manta, you'll find hospitals with state-of-the-art equipment. You’ll have your choice of specialists in all fields and physicians with private clinics.

But more than the cost of medical care, you'll notice a huge difference in your personal experience with the doctors.

Forget dealing with receptionists. It's common for you to have your doctor's cell phone number. And figure on $35 for an appointment.

You won’t wait an hour reading old issues of People magazine before being called in to see the doctor for five minutes. Instead, your doctors spend time with you: a half-hour, more—whatever it takes to answer all your questions and plan your treatment.

It's what healthcare used to be back in the U.S. But you can get it in Ecuador today.

There’s Just One Setting Here…
Tranquilo Mode. No Stress…

I keep mentioning the slow pace of life here. Things just tick along at a calmer pace. The stress of "keeping up with the Joneses" by buying the latest car or electronic gadget disappears.

You start lingering over lunches with friends because there’s no reason to rush. You realign your priorities, putting friends and family first and making time to make memories rather than deadlines.

Here you'll make easy friends thanks to a common bond. You've all come to Ecuador to free yourselves from the life that left you searching and unfulfilled.

It’s a recipe for fast friendships at the many restaurants, coffee shops, and expat gatherings.

Donna has experienced this firsthand… “that renewed interest in living is a hallmark of the expat movement. It’s a touchstone we all share. Finding ourselves again.”

Friendships—both local and expat—come fast and you’ll find a ready-made support network

And don't forget all the local friends you'll make as well. People in Ecuador are friendly and eager for you to feel at home. You'll soon be introduced to neighbors, friends and extended family members—and you’ll find yourself part of local festivals and celebrations.

On a practical level, you'll have a built-in network to get the best plumbers and car mechanics, the inside track on real estate deals, and tips on where to get the best coffee, leather crafts, you name it...

Of course, a big advantage to Ecuador is that it’s one of the most affordable places in the world where you can enjoy a lifestyle you’re accustomed to.

Live Well on $1,800 a Month or Less

In Ecuador, nearly every cliché you’ve heard about living large on little money is true.

A couple can enjoy a great lifestyle with plenty of comforts, without scrimping, for around $1,800 a month. That covers housing and food—as well as luxuries like a maid and gardener, and visits to the spa.

You can live like royalty for $4,000 a month. But we know people who get by nicely on around $1,000 a month too.

Most expats, though, report they live happily and without sacrifices on a monthly budget of $1,500 to $2,000.

For example, we’ve heard from John W., in the Pacific coast town of Santa Marianita. Here’s a more detailed breakdown of typical costs for him and his adult daughter:

“We rent a four-bedroom, three-bathroom home with 650 square feet of deck off the main living and master bedroom areas, all under thatched roofs and accessed by walls of huge sliding doors facing an unobstructed view of the beach and the Pacific Ocean. The price is $800 a month, furnished.

“Vine-ripened fruits and vegetables cost about 20% of U.S. prices. Artichokes are 30 cents a pound, tomatoes are 24 cents for the same amount, a whole pineapple costs $1. Including four meals a week at restaurants, our total monthly food costs average $500.

“Our cellphone plans cost $10 a month each for plenty of 4G data, Our laundry is done by a service for $50 a month, and our maid service costs $120.

“And unlimited golf at my club is $136 per month. I play two or three times a week.”

Here's a sample monthly budget, based on John’s expenses...

Housing:	$500 - 800
Electricity:	$70
Water:	$10
Gas:	$6
Garbage (Typically included in rent):	$0
Maid Service:	$120
High-speed Internet:	$50
Cell phones (2):	$20
Laundry Service:	$50
Healthcare (four $35 visits to a doctor per year + monthly IESS payment):	$162
Transportation (taxis, buses):	$50
Groceries:	$400
Entertainment (two people dining out twice a week or other entertainment, such as movies):	$150
Taxes (included in rental rate):	$0
TOTAL:	$1,588 - 1,888

Even in the leafy, upscale districts of the capital, Quito, rents are affordable.

Dorothy, who moved from Naples, Florida in 2017, shares a three-bedroom home with her adult daughter in the Metropolitano sector of the city. They pay just $575 a month.

But it's not just the cost savings you should consider…it's the overall improvement in your quality of life.

Dorothy fills her retirement with horseback riding, volunteering, and teaching informal English lessons to her students as they walk through the city’s parks. Melissa, her daughter, teaches music at an international school and fills her free time with alpine climbing and mountain biking excursions.

More time and more money to spend as you like…low (even no) taxes, no inflated prices, no more worries about outliving your retirement nest egg…

You could also use your monthly savings to travel.

Steve—a tax consultant in his old life—and his wife Kelly rent a two-bedroom condo in Cuenca for $500 a month. Living on $1,500 a month frees up money for bucket-list adventures.

They’ve been to the Galápagos islands twice, where they snorkeled with barracudas, white-tipped sharks, and 500-pound greenback turtles.

They’ve cruised down to Patagonia, where Steve walked on the Perito Moreno Glacier. They’ve hiked to the edge of Chile’s Torres del Paine National Park, known for its huge granite mountains and clear lakes.

Bucket-list adventures await in Ecuador’s Galapagos islands

You've seen many examples of people like you… people who were working long hours to pay for SUVs and McMansions, with no time to enjoy life.

Donna, Jim & Diane, Joel, John, Dorothy and her daughter Melissa…

They’ve all come to Ecuador to recapture the adventurous spirit they had as kids, the journey of self-discovery they felt in college, and to find the person they were before they got lost in stress, bills, and the day-to-day minutia.

They’ve all found a second shot at life in Ecuador. They’re having a lot of fun…discovering more of the world—and themselves—without breaking the bank.

Still, no matter how perfect a fit for you Ecuador may seem—I'm sure you have lots of questions. And the good news is: I and my colleagues at International Living can answer them for you.

You don't have to "go it alone" as you plan your escape. We can help.

We'll make sure you have the confidence and insider intelligence you need to pinpoint the spot that's right for you and get there quickly, easily, seamlessly…

Your Guide to a New Life in Ecuador

We've been in-country for decades. We talk to the lawyers, the business community, and, of course, the long-time expats who know the score. Plus, like me, we have lived there ourselves.

In the brand-new 2022 edition of Escape to Ecuador: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less, you'll get all the benefits of our many years of on-the-ground experience in Ecuador.

It's the essential guide to visiting, moving to and living in Ecuador, designed specifically to make your scouting trip or relocation as stress-free as possible.

You'll discover the top expat communities, whether you prefer the laid-back beach lifestyle…the culture of the colonial cities…the tranquil mountain towns of the Andes…and more. Anywhere you go you're sure to have a high quality of life.

It's the result of decades of boots-on-the-ground scouting and exploration by me and the rest of International Living's team of editors and correspondents.

We've gotten the low-down from expats all over the country…researched the medical system and residence programs…quizzed experts in real estate, financial matters, shipping household goods…

Just about any question you might have about expat life in Ecuador is covered in this detailed guide. And we've also been on the lookout for real estate deals…

You get all of this, and much more, in the brand-new 2022 edition of Escape to Ecuador—a complete resource that shows you how to take advantage of these opportunities while they last.

There's nothing else out there like Escape to Ecuador: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

It’s designed to get the real story on how you can enjoy your ideal lifestyle…find the location that's perfect for you…and take advantage of all the world-class opportunities available to you—when you know where to find them.

It's truly a one-of-a-kind manual with timely, sound advice designed to save you time, trouble, money, and headaches... so you can get yourself to the spot in Ecuador that’s best for you—fast and easily

Your Dream Home for $100,000 or Less

It’s hard to believe how much bang you get for your buck with Ecuador real estate.

In the “Valley of Longevity” near Vilcabamba, for example, you can have a charming two-bed, two-bath house for just $65,000. It features a unique octagonal design, with a huge wrap-around terrace, and is surrounded by lush gardens with a small pond.

Picture yourself relaxing on a lounger…a cool beverage in hand…watching the evening sky change from blue, through flaming red, to purple over the mountains.

For a mountain home, head to the wonderful craft town of Cotacachi, sandwiched between two volcanoes…

Within easy walking distance of the center, is a two-bed, two-bath bungalow with an outdoor seating and BBQ area. It’s brand new and comes fully-furnished—in turnkey condition!

Finishes include granite worktops, marble floors, his’n hers bathroom sinks… as well as a walk-in closet. The icing on the cake…mountain views. And it's just $95,000.

Beach lovers, meanwhile, are spoiled for choice in Ecuador. A three-bed home on the beach in Salinas will set you back in the region of $110,000. And that comes with yard space—front and back!

Or farther north, in Manabi, a three-bed home with a pool recently sold for $165,000. It’s true beachfront—with a large balcony area and parking for up to 4 cars.

Compare that to coastal southern California or Florida, where frontline beach properties go into the millions.

And if you don't want to buy right away—no problem. You’ll find affordable rentals everywhere.

From the cities…(a modern 3-bedroom condo with outdoor space in Cuenca for just $675 a month)…

To the beach (where you’ll find an airy 2-bedroom townhouse a block from the beach for just $600.)

If you really want to get away from it all, but still want to have every convenience close-by… you’ll find countryside villas outside Cuenca where you can enjoy a vast amount of garden space. Rent is a mere $380 a month.

Ecuador Wants to Welcome You

The government of Ecuador is rolling out the welcome mat for you.

When the flow of retirees to the country began to weaken in the middle of 2020, in the midst of the pandemic, the government took steps to encourage people to come and stay.

They cut the minimum monthly guaranteed income required for a retirement visa to just $425 a month. And they made the qualifying age just 40.

Enjoy your morning latte at an outdoor café in Quito

Put simply, that makes Ecuador one of the most affordable destinations to retire to in the world. And you don’t have to be of “retirement age” to do it.

It’s a land of opportunity, with a growing middle class of consumers who have money to spend—so an ideal market for business start-ups. According to Donna, there’s been a rise in younger expats in the past couple of years—with many starting new business ventures.

But retirees aren’t being left behind. As a senior, you’re respected in Ecuador—it's ingrained in the culture.

You'll immediately be offered a seat on a bus or in a waiting room if it's packed. You get head-of-the-line privileges at banks and government offices. And the same courtesy will be extended at shops, restaurants, cultural events, or wherever you happen to be.

Some expats I've spoken with tell me that Ecuador is a lot like the small-town America they used to know when they grew up. As far as culture, they might be right. But that doesn't mean it's stuck in the past.

It's a Lot like Home—in Many Ways

There will be a learning curve when you arrive in Ecuador. This is a country with its own unique culture, customs, and ways of doing things. But in many ways it's also a lot like home, and your transition will likely be easier than you might think.

This is a modern country with many comforts and amenities you'll recognize. Grocery stores offer imported items—if you miss your Ben and Jerry's ice cream or bagels—you're covered. Your favorite brand-name cosmetics, clothing, and electronics are here too.

You can get high-speed internet and cable or satellite TV (cheaper than in the U.S., by the way).

A widespread cell phone network—with 4G and LTE—means you can bring your smartphone. And $10 a month will cover all the minutes and data you need.

Keeping in touch with loved ones back home is easy too. Online tools like Skype allow for free video conferencing. And with services like MagicJack you can have a U.S. phone number in Ecuador—and your regular home phone will ring just like it would back home.

As you can see, just because you are moving to a new country doesn't mean you have to leave all the comforts behind. In Ecuador, you can stay very connected with those who matter to you.

And whenever you want to go for a visit—or have someone visit you—it's not as if you're halfway around the world. Donna visits family in the U.S. at least a couple of times a year. With a flight time of just 4 hours, it’s no hardship.

Discover All that Makes Ecuador One of the World's Top Retirement Destinations…and Live the Dream Yourself Sooner than You Thought Possible

You've seen so many ways this remarkable country offers a second shot at life: no rat race, no stress, year-round spring climate, low cost of living, top-notch medical care, safety and stability, modern conveniences and comforts…

And, of course, the welcoming locals and friendly expats that make it easy to fit in and make genuine connections.

But so far you're just scratching the surface.

You can get all the details in the brand-new 2022 edition of the 212-page manual, Escape to Ecuador: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

This is International Living's premier resource about Ecuador—frankly the best retire-in-Ecuador guide there is anywhere—and it’s a bestseller beloved by our members.

Inside, you'll learn…

How to secure your residence step by step. Learn which of the most popular visas is right for you…and how to get it.
What you should bring. Whether you're traveling for a week or six months, we've included our list of things you don't want to be without.
What it costs to hire a maid, employ a gardener, visit a doctor or dentist, hire a driver for the day…and much more.
Where to find the best medical and dental care and how much you can expect to pay to have tendon surgery or your teeth cleaned.
The essential Spanish phrases so you can ask directions …order dinner…and make new friends
The stress-free way to get your pets to Ecuador—it's easier than you think—when you know the rules
How to import your household goods to Ecuador and pay no duties…including on brand-new appliances.
How much it really costs to live here. We'll share with you monthly budgets for the most popular expat havens.
What you need to open a bank account
A complete rundown on taxes—those to pay and those you can throw out the window.
How to start a business—and the best spots for starting up your microbrewery, restaurant, sport fishing charter, or whatever you want
The best way to scout property for sale—and what you should never do when looking at a lot or a home

Plus, you'll also get our editors' insider travel tips: Luxury hotels at boarding house prices… a smart shopper's handbook… and more, including—

Leather handbags, shoes and jackets, ponchos, hats, mittens, blankets, silver jewelry with lapis and turquoise, painted balsa wood birds, handmade flutes, and more. You'll learn where the best markets are, the best days to go…and the smartest way to negotiate.
The best sights in Quito that cost less than $10. Plus, our editors share their favorite restaurants around Ecuador (including one Michelin-starred place where your appetizer is delivered in a music box).
The village where you should buy an original Panama hat. (That's right… authentic Panama hats actually come from Ecuador.) You can get them straight from the families who weave them in their homes.
Visit Ecuador's "poor man's Galapagos." This is an island that is physically and biologically similar to the Galapagos Islands but for one-tenth the price. Albatrosses, boobies, and other rare birds, and 11 species of whales come to court in the waters off these islands each year.
A review of social and business etiquette in Ecuador, including tipping, taxis, meeting protocols, business dress, personal titles, greetings, gifts, and much more.

And that's just a small taste…

We’ll also give you a Rolodex of contacts throughout Ecuador—all of whom speak English. In fact, many are from the U.S. or Canada. You'll have these resources on speed-dial:

Lawyers experienced in immigration
Trusted real estate agents
Shipping brokers who know how to deal with Customs
Expat groups from mountains to coast, from the American Legion to community theater
Insurance companies who will cover you in Ecuador
Phone numbers for the major public and private hospitals—including the emergency lines
And more...

Real-World, Expert Advice and Guidance

You may be used to a more "do it yourself" approach to matters like buying a house or car, signing up for insurance, or dealing with the government back home. But in Ecuador you'll benefit from someone who knows the rules and regulations—basically how things work.

These are the on-the-ground contacts well-versed in helping expats get settled in Ecuador. They know the right people. They know the little-used but perfectly legal exceptions to the rules.

In short, they make your move easy.

That's what Escape to Ecuador is all about. All the information you need to make informed decisions. No need to search high and low for information.

Of course, there's no substitute for an in-person visit. And that's why we've ensured that Escape to Ecuador is the ideal resource for planning those trips. You'll get a good idea of which regions you want to visit. And you'll know where to stay, who to talk to, and everything else as you explore.

Not Available Anywhere Else

Escape to Ecuador: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less is not available in other bookstores, resource libraries, or anywhere else on the internet.

And it's available in an online downloadable form only. That's how we can keep the information as up-to-date and reliable as possible. It also allows us to get this information in your hands as quickly as possible.

Travel to Ecuador to obtain all this information yourself and you'd expect to pay $2,000 or more. (The time and efforts of attorneys and other experts who worked to compile this information is worth that much alone.)

But you can get your hands on Escape to Ecuador for just $129 today.

Order Escape to Ecuador Today

It would take a lifetime to see and experience all Ecuador has to offer.

But I assure you—whatever attracts you to Ecuador—the culture, the scenery, the affordable real estate or the laidback, low-stress lifestyle—you'll find all the information you need inside Escape to Ecuador.

We've removed the guesswork and hassle of finding the lifestyle you dream of…and we take you as close to living in Ecuador as you can get without our buying a ticket, flying you there, and hiring a private guide for you. Plus you'll get…

Our Good-Will, No-Hassles, Money-Back Guarantee

I’m so confident you'll realize your dreams in Ecuador that I’ll guarantee your money back if you’re not satisfied.

Try it today. Explore all Ecuador has to offer. And if after exploring her delights you decide that Ecuador is not the place for you, you have our 30-day money back guarantee. We’ll refund your $129—no hassles, no fuss.

Six Months from Now, You Could Be Living Your New Life in Ecuador on a Whole Lot Less than You Spend Now

The truth of the matter is: A second shot at life doesn’t have to be the stuff of fairytales. It's for anybody willing to take advantage of the best-value opportunities in welcoming communities—places where people like you have already found a better way to live.

Take it from Donna, who recently told me…

“The other night, the skies were clear so I sat outside. All of a sudden, a comet flew across the sky, its lighted tail streaming behind it. In my former life, I probably would have been inside watching television. But that night, I was honored by a shooting star.

I’m happy that this time in my life isn’t wasted. I find myself growing in ways I never expected. That alone was worth the move to Ecuador.”

And it's our mission at International Living to help you do the same!

Click Add to Cart now to order your brand-new 2022 edition of the 212-page manual, Escape to Ecuador: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

Like I said, you have our no-hassle, money-back guarantee if, for any reason, you are not satisfied.

Sincerely,

Dan Prescher
Senior Editor, International Living
October 2022

P.S. If you've ever wanted to turn your back on skyrocketing prices for everything from healthcare to real estate to public transportation and restaurant meals, now's your chance.

And if you've ever wanted to walk away from long, bitterly cold winters and brutally hot summers… then I've got a deal for you.

Order Escape to Ecuador now.

P.P.S. Here's what other expats say about life in Ecuador...

“Just driving around on the Pan American Highway, you see beautiful Andean Mountain scenery. Breath-taking. There are many close by scenic venues from waterfalls to hot springs to the beautiful Cotacachi crater lake.”—Michael W.

“As it happens, my home is just a short drive away from a wonderful golf club, and I’m now an enthusiastic member.”—John W.

“We got off the plane and almost immediately fell in love with the people here. Three months later we made the move, and 14 years on, we’re still here!”—Val K.

“What really attracted us to Vilcabamba, was the purity of the air and the temperate, year-round climate (temperatures are in the 70s and 80s year round). The natural beauty is also spectacular.”—Dek T.

Escape to France

Tue, 17 Aug 2021 09:45:36 GMT

You're about to discover what could be the world's most surprising lifestyle and retirement secret…

Jaw-Dropping Beauty, Vibrant Culture, Spectacular Cuisine, Diverse Landscapes… France Offers One of the Most Enticing Lifestyles In The World… Without Breaking the Bank.

More and More People Like You are Taking the Plunge…and You Can Too!

You can live your dream life in romantic France…for less than you've likely ever imagined…

Dear Reader,

Here at home we talk about the great retirement squeeze…but what if your life and comforts could expand in retirement? No question that they have for IL reader Maria Trenzado, who says life in France is not only better, but affordable, too…

"There is no greater delight than walking up the steps to my own petit château (little castle) welcomed by the fragrance of the lavender and rose bushes surrounding the garden. Birdsong fills the air. My neighbors greet me by name. And each day brings a new adventure."

"And to think I made my wildest, most far-fetched lifelong dream come true—to own my own dream home in France—for just $90,000!"

That's right.

For just $90,000, Maria Trenzado became the proud owner of a newly-built, two-bedroom, one-and-a-half bathroom, semi-detached villa in the south of France…in Provence.

Her home includes all the amenities you'd ever want for comfortable living.

Everything from high-speed internet access to a shared swimming pool and more.

It's in a great location, too, at the foot of Mount Ventoux—the biggest mountain in Provence.

"I'm near some of the most picturesque, historic, and vibrant perched villages in Provence," Maria says. "There's Gordes. Roussillon. Bonnieux. Avignon. And so, so many more close by.

"I'm also just a few minute's walk from town, which has several cafés, bakeries, wine shops, and cheese shops. And there's a Sunday market in the main square, too. It offers locally grown produce, meat, seafood, dairy products, and many more gourmet treats. I don't think my taste buds have ever been more satisfied!

"And… I can also walk to several flower shops, grocers, a hair stylist, a post office, beautifully-manicured gardens (a great place to enjoy a picnic on a sunny day), and just about everything else I could ever need to enjoy life and live well."

By the way, in case you're wondering…

You Don't Have To Be "Ultra-Rich" to Live Well
In Today's France

Explore the picturesque mountain villages of Provence…

You see, Maria is no millionaire. Far from it.

In fact, she's a Cuban-born civil litigator from Tampa, Florida.

She works hard. She does well for herself.

But she's far from being "ultra-rich."

Yet France was a dream she kept close to her heart…ever since she first saw images of Provence in a viewfinder as an eight-year-old child.

She eventually saved up enough money to visit. And once she got there, made her way down to Provence…where she fell in love with it all over again.

She adored Provence's rolling rural landscapes…its centuries-old villages perched on towering cliffsides…its pristine meadows teeming with blooming wildflowers and colorful songbirds…and its back-to-basics, "salt-of-the-earth" culture.

And after seeing all this in person, she knew she wanted to live there more than ever. But—like most folks—she figured it was a dream well beyond her pay grade.

Until she stumbled upon that $90,000 dream home…

This was 2004…and she bought it. And just like that, after all those years, her dream of living in France finally became a reality.

Turns out: In the right places… France isn't nearly as expensive as you probably think.

What It's Like For "Non-Millionaires" To Live Well In France

Today, Maria enjoys all the fruits of La Vie Française, despite her modest budget.

"Day-to-day cost of living in France is approximately €40 a day which includes dining in restaurants. It is much less expensive than living in the U.S. as the utilities—electric, water, association fee, etc., are cheaper," Maria says.

"Property taxes are less, too. Homeowner's and auto-insurance rates are significantly less. Healthcare costs are a mere fraction of similar services in the U.S. too. Only gas is higher."

"Better yet, I not only cover my expenses by renting my home when I'm not there…but I actually make a profit!"

And When It Comes To Culturally-Rich Activities, You'll Be Spoiled For Choice

"The mild weather means a multitude of activities year round," Maria says. "And the world-renowned film, theater, opera, and music festivals of Aix-en-Provence, Orange, and Avignon attract thousands of visitors, and I enjoy the antique markets of L'Isle-sur-la-Sorgue.

"If I ever tire of village life, I can take the car to Nice, Monte Carlo, Genoa, Marseilles, and the Mediterranean beaches of St. Tropez and Cassis. And Paris, the Alps, and Barcelona are only a few hours away by train."

You can enjoy a similar lifestyle.

Here's how.

Make Your Dreams Of Living In France Come True. Affordably

While it is true that many (if not most) of France's well-known destinations are quite expensive when compared to other parts of the world IL regularly covers…like Ecuador, Mexico, Belize, or Colombia…

…living in France's most popular destinations doesn't have to be a total bank-breaker.

Even in hotspots like Paris, Biarritz, the Cote d-Azur, and other parts of France with expensive reputations, it's entirely possible for YOU to live very, very well AND enjoy all the fruits of La Vie Française on a modest budget.

For example, furnished studios and one-bedroom apartments range from $788 to $1,969 per month, offered on long-term contracts.

And that's right in the heart of Paris.

And as far as total cost of living is concerned, a couple can live comfortably even in Paris—on as little as $2,500 a month.

Here's a sample budget for two people to run an apartment in Paris:

Rent (1 bedroom, furnished):	€800	$940
Water:	€20	$24
Transportation (Public - monthly pass):	€70	$82
Electricity:	€80	$95
Monthly Telephone/ Cell phone plan (Includes internet):	€50	$59
Broadband Internet Fee and Cable TV:	€50	$59
Food:	€530	$625
Entertainment:	€300	$354
Miscellaneous Expenses:	€200	$236
TOTAL:	€2,100	$2,474

Granted, on this budget, you won't be able to dine at world-famous Maxim's restaurant every night (where "a la carte" prices average €200)…

…but you wouldn't want to do that on a regular basis, anyway.

Because as a "real" French resident, you'd know about better-value authentic bistros, that the casual visitor to Paris never discovers.

For example, you'd know about where you can enjoy a simple lunch of salad, moules (mussels), and a slice of upside-down apple flan called tarte tatin at a tiny bistro for under $23.

You'll know the grocery store where you can buy a great bottle of red wine for as little as $5.50.

And if you were a "real" French resident, you'd know how to look as chic as any French person…without spending thousands on a suit or pair of shoes.

My point is this…

If you want to live comfortably in "the City of Light" on as little as $2,500 a month (and still enjoy ALL of its world-class museums, art galleries, architecture, cuisine, fashion, ambience, and all its other inspiring intangibles)…

QUICK FACT: The average monthly budget for a family of four in Minnesota (i.e. Anytown, USA) in 2018 was $6,563…and that's to maintain a simple living that meets basic needs for health and safety!

…or in any of France's other high-profile destinations…

…you can absolutely do it.

And hey…most Americans spend at least $3,000 a month to just get by anyway!

So as you can see…

You CAN Live Affordably In France!

So what do you do…

…if YOU want to find out how YOU can start enjoying La Vie Française without increasing your day-to-day spending?

Here's the good news.

We've already figured all of this out for you.

And that's exactly why I'm writing you today.

My name is Jackie Flynn. I'm the Publisher of International Living. And if you've ever dreamed of living in France…

…whether it's in the heart of Paris—the most romantic city in the world…

…on the Cote d'Azur—with its world-famous beaches and ultra-chic lifestyle…

…in your own Mediterranean villa in Provence—complete with your own garden, pool, fishpond, and views of the mountains…

…or anywhere in between…

… I'd like to help YOU take that all-important first step towards making your dreams of living in France come true. And I know of no better way than to get your hands on the latest edition of the one of a kind resource, Escape to France: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

Quite simply, for anyone who's ever dreamed of living in France, either part-time or full-time, it's a one-of-a-kind resource that can help you:

Find your dream home anywhere in France. (And save thousands and thousands of dollars in the process.)
Explore all of France's hidden gems all over the country. (It's one of the only countries on earth in which you can explore world-class museums and art collections, go wine tasting, go skiing, and swim in the sea all in the same week, without leaving the country.)
Become a legal resident of France—the hassle-free way. (Without trying to navigate all the bureaucratic hurdles on your own.)
Take advantage of France's world-renowned healthcare system. (France boasts one of the highest-quality healthcare systems in the world, according to the World Health Organization.)
…and much, much more.

I assure you…there's no other resource quite like Escape to France.

In just a moment, I'll give you an idea of the one-of-a-kind secrets you'll discover in its pages.

But before I get to that, I'd like to quickly show you how a few more friends of IL are already enjoying La Vie Française…

…on a modest budget.

(Remember… THIS COULD BE YOU!)

From The Pacific Northwest To Paris, "The City Of Light"

Pamela Griner Leavey and her husband Jim wake up every morning to a view of the Paris skyline around the Boulevard Saint-Germain.

Take evening strolls through enchanting Paris: "The City Of Light."

She and her husband live in the romantic French capital…and love every minute of it.

Here's just a bit of what Pam recently told us about living in Paris…

"Despite the troubled world economy, we currently have little trouble enjoying everyday life. There are so many things here that are free or reasonably priced. Life is good.

"For example, we live in a city with one of the best public-transportation systems in the world. And my husband is thrilled with not owning a car."

Pam and Jim can get around Paris as often as they want for less than $3 a day.

What's more, their total monthly budget averages just under $3,200!

And that's just the start of their money-saving experiences in France.

Back in 2009, they saved a whopping $53,550 on healthcare. (Pam has type-two diabetes… and had to spend 20 days in a round-the-clock critical care unit. The price tag was a whopping $54,000… which included physicians, all exams, an MRI, a thorough eyesight analysis, and medications. But of that, they only had to pay $450 from their own pockets!) Thank you French healthcare system.

But Hey… When It Comes To France, Paris Is Just The Beginning!

There's WAY more to France than just Paris and Provence.

In fact, France as a whole could be one of the most geographically and culturally diverse nations on the planet.

It's got beaches. Mountains. Wine country. Forests. Lakes. Rivers. Sea cliffs.

And just about everything in between.

And don't forget… France is just a few hours away by air or train from at least a dozen other European countries…all with their own diverse cultures and history.

For those who LOVE to travel, it's a dream come true.

You could have a freshly-baked pain-au-chocolat and a triple-espresso at the "Les Deux Magots" in Paris (where Ernest Hemingway, Albert Camus, and Pablo Picasso once frequented)…

…then take the metro to the Gare du Nord, grab a seat on the ultra-luxurious TGV train…

…and make it to Amsterdam, Barcelona, London, Munich, Venice, or many other world-class cities in just a few hours.

You can even get a strong WiFi signal while on board.

Though you may be too busy gazing outside your window and watching the spectacular European countryside whizz by at 186 miles an hour to bother turning a computer on.

The Verdict Is In: For Discerning Expats, France Is Hotter than Ever

Clearly, as an expat destination, France has a lot going for it. Among the many reasons it makes sense are…

1. France offers one of the best healthcare systems in the world: According to a World Health Organization (WHO) study, France provides the best overall healthcare system in the world. (The U.S. ranked 37th.)

And once you move to France, you may be able to transfer your healthcare to a French provider…or even to one of the many British companies that specialize in providing extra coverage for expats.

Prescription drugs in France are also much, much cheaper than back in the U.S. and Canada. (Prescription drugs in the U.S. are the highest-priced in the world.) And doctors still make house calls in France.

2. France could be the best place in the world to start a tourism-based business: Last year, France attracted approximately 80 million visitors…making it one of the most popular tourist destinations in the world. Paris is one of the world's most visited cities in the world. And tourism is accountable for 6% of the country's income. (4% from French tourists traveling within France…and 2% from foreign tourists.)

With this in mind, the number of opportunities for starting your own tourism-based business…are virtually endless.

You could start your own B&B in Normandy…open a café along the Mediterranean Sea…conduct wine tasting tours in Bordeaux…open an art gallery in Paris…and on and on and on…

If you've got the entrepreneurial bug and would like to make a buck or two (or a whole lot more), it's worth considering France…

3. For diehard "foodies," France is like Heaven on Earth: If you're mad for open-air food markets, you'll be in paradise in France.

The come-hither aroma of fresh-baked baguettes and other tasty treats wafting from boulangeries will make your mouth water.

For example, the Dordogne region alone has dozens...and it's renowned for its gastronomic specialties, such as glistening strawberries, fresh walnuts, delicately flavored walnut oil, pâte de foie gras, chestnuts, crêpes, confit de canard (duck preserved in its own fat), truffles and other wild mushrooms, and a wonderful array of full-bodied, deep ruby wines.

In wildly-romantic Aix-en-Provence, you can shop the open-air food markets for slivers of cheese, a couple of olives, spicy bread buttered with orange, aniseed, and fennel, and pâte de foie gras potted in jars.

You can find other similar open-air food markets all over France.

And if you're a restaurant aficionado, France remains unsurpassed. It boasts more three-star Michelin restaurants (27), two-star Michelin restaurants (94) and one-star Michelin restaurants (616) than any other country in the world by far.

What's more, France is also the world-leader in Michelin "Bib Gourmand" offerings…with 642. (The "Bib Gourmand" is a specific menu item at any Michelin-rated restaurant that's priced below a maximum determined by local economic standards.) The average "Bib Gourmand" menu item at Michelin-rated restaurants in France is just €32 ($36). But remember…that's for an unforgettable meal at a Michelin-starred restaurant in France!

4. France is STILL a haven for aspiring artists and writers of ALL abilities. Ever dreamed of penning the novel that's always been lurking inside you? Or to try your hand at oil painting? Or perhaps become a part-time or full-time photographer?

Well…the good news is…today's France remains just as creatively-inspiring today as the days of Hemingway, Cezanne, Van Gogh, and Picasso.

You can write the first draft of that novel on your laptop while sipping espresso at a café on Paris' famed Left Bank…paint Mont Saint-Victoire in Provence from the balcony of your own villa (Cezanne is known to have painted Mont Saint-Victoire over 60 times)…take photos of the Notre Dame Cathedral in Paris at sunrise…and so much more.

France seems to bring out the inner artist and writer in everyone who visits almost immediately. Some say it's the history. Some say it's the culture. Some say it's the light.

Whatever the reason, why not try nurturing your inner artist or writer in France sometime soon. I reckon everyone should do it at least once. And hey…it might completely change your life…for the better!

5. France boasts a sizeable expat population. One of the best parts about living overseas is meeting like-minded people with similar lifestyles and interests. And you definitely won't find a shortage of like-minded people in France.

In Paris alone, there are an estimated 50,000 American expats. What's more, it is easy to find American associations, institutions, churches, and schools in Paris and other parts of France. So it's easy to meet others with similar interests. The "infrastructure" is already in place.

What's more, you'll also find many expats in France from other English-speaking countries like England, Ireland, and Australia.

Spend a few weeks or months in France and get out there and meet people at the many various events for expats, and you'll quickly have many new friends from all over the world.

6. France is one of the most technologically-advanced countries on earth. The elegant "Haussmannian" apartments may date back to 1850 to 1920…and many other statues and monuments date back much earlier than that (the Egyptian "Obelisk" at the center of the Place de La Concorde in Paris is 3,300 years old)…but don't let all that fool you. When it comes to modern technology, France is right on the cutting edge.

For example, 99% of the country has 3G access…and over 60% of the country has 4G access. So if you've got a smartphone and a French SIM card on you, you can check your email and go online from even the most remote locales in France.

What's more, broadband internet access in France is…for the most part…lightning fast. For example, with one internet service provider (ISP) that specializes with helping expats connect to the internet, you can connect at speeds of over 43 Mbps.

NOTE: The U.S. average connection speed was 23.05 Mbps as of mid-2017.

And on top of all that, many (if not most) of the cafés, bars, and restaurants in France offer free WiFi…which is great if you've got a laptop and want to get some work done while dining on a three-course meal and doing a little "people-watching" at the same time.

7. If you're a fan of history, art, and architecture, France is virtually unsurpassed worldwide. This pretty much goes without saying.

The Mona Lisa. The Venus de Milo. The Winged Victory of Samothrace. And nearly 35,000 more of the most important and awe-inspiring works of art in history. It's no wonder the Louvre is the most-visited museum in the world.

You've got the Louvre…the Musée d'Orsay…the Pantheon…the Pompidou Centre…the Maison de Balzac Museum…the Maison de Victor Hugo Museum…the Musée Picasso…

… The Père Lachaise Cemetery (where Oscar Wilde, Molière, Marcel Proust, Gertrude Stein, Jim Morrison of The Doors, and many other famous artists and writers are buried—often in wildly-elaborate tombs)…

… The Catacombs de Paris (with its thousands upon thousands of human skulls and bones piled one on top of the other—buried hundreds of feet below the busy streets of Paris)…

… The Arc de Triomphe (a great place to go to the top and take photos of the famed Avenue des Champs-Élysées)…

… Paul Cezanne's former residence in Aix-en-Provence (where you can see first-hand where this famous impressionist painter grew up and drew his creative inspiration from)…

… The hospital in Arles where Van Gogh stayed in December 1888 and again in January 1890 (you can go there and stand in the exact same spot where he painted one of his most famed paintings, Courtyard of the Hospital at Arles.

…and so much more.

And who could forget La Tour Eiffel… perhaps the world's most famous, iconic landmark? No trip to France is complete without getting a close look at the Eiffel Tower… or even going up to the top!

BY THE WAY…one great thing to do the next time you're in Paris is to stop by a bakery, butcher shop, cheese shop, and wine shop near the Eiffel Tower, pick up a few tasty items at each, and have a sunset picnic on the grass of the Champs de Mars with the Eiffel Tower towering right in front of you.

It's an almost surreal experience…especially when it lights up every hour on the hour for a few minutes each evening. Everyone applauds and cheers when it happens.

It's sublime!

Please Keep in Mind, I'm Barely Scratching The Surface Here

There's so much more that France has to offer.

It's the kind of place that just keeps growing and growing and growing on you…year after year.

"In the years we've lived here, we've also come to love the French way of life, the cafés and culture, the language, and—yes—also the French themselves. We have our favorite baker, the waiter who always asks after the kids, and the friends who coach us on everything from wine to grammar."—J.F., Paris, France

So how can you take advantage of ALL that France has to offer…without breaking your own back doing all the research and legwork on your own?

It's simple.

Get All the Secrets of Living Well for Less in Today's France in the latest Edition of, Escape to France: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less

With the latest edition of Escape to France at your side, you'll never have to wonder how to figure all of this out on your own.

You'll have—right at your disposal—EVERYTHING you need to know to start enjoying La Vie Française on a budget.

The quick, easy, affordable, and hassle-free way.

So…what kind of secrets will you discover in Escape to France?

Here's just a taste…

How To Make Paris Your New Part-Time Or Full-Time Home Without Spending A Fortune

How to find a 258-square-foot studio with lots of charm, sun, and a view of the Eiffel Tower for $296,310…
Where to find (and how to buy) the most rentable apartments in Paris…
How to understand the factors that influence French property prices (so you can get the best deal on the next Paris property you invest in)…
A list of IL's favorite, most affordable property picks in Paris right now…
How to make money renting out your Paris apartment…
Our highly-valuable list of trusted, English-speaking real estate agents in Paris…
How to understand the Paris arrondissements—or neighborhoods (with details on all 20 arrondissements) to help you choose the very best location for YOU)…

Find Your New Private Paradise In The French Countryside

How to find a dream village home for about $230,000 in the Dordogne region—the golden heartland of the southwest. This is quintessential rural France with its river running through quaint, little villages and world-renowned, open-air food markets.
Where you can find newly-built, one-bedroom apartments in glitzy Saint-Tropez on the world-famous Cote d'Azur (French Riviera) for as little as $224,900.
How to rent a one-bedroom apartment in wildly-romantic Aix-en-Provence (The city of fountains…birthplace of famed impressionist painter Paul Cézanne…and home to over 40,000 students) for as little as $950 a month.
A two-bedroom townhouse you could own in Rouen's historic center (Rouen is famous for its cider apples and cheeses—including ripe, creamy Camembert) for just $138,040. (Keep an eye out for the water lilies in the area. They're not just any old water lilies…but those captured on canvas by the impressionist painter Claude Monet.)
A 1,184-square-foot stone house with over 10,000 square feet of land in Brittany for the astoundingly low-price of just $27,370.
How to make the Languedoc—a hypnotically-beautiful alternative to the mountains to the river Rhône—your new home. The golden landscape of the Languedoc is dotted with imposing hilltop castles and fortified castles that date back to the 13th century. And here, you can still find properties like a two-bedroom townhouse with panoramic views of the town for as little as $116,620.
Where you can buy a studio in the Alsace region-famous for its "gingerbread-cottage" architecture, balconies festooned with geraniums (most villagers spend $1,000 a year on flowers), German look and feel, belt-loosening Alsatian cuisine (you've got to try the ripe and pungent Munster cheese), and revered giant storks that nest on top of almost every building in town…all that culture, and for as little as $118,000.
One of the most affordable places to live in The Charentes—known for its steep streets, honey-colored stone houses, pretty rural villages, and lazy rivers—many of which remain undiscovered. In one area our top France on-the-ground scout discovered here (you'll meet her in a minute), you can own a stone village house with two bedrooms, a kitchen, and a private courtyard for just $95,200.

How to Live Well For Less In France

How to find French properties for under $100,000…
A "buyer's checklist" that will help you avoid overpaying for your real estate investment in France…
A sample list of grocery costs in France to help you manage your monthly budget…
Should you or shouldn't you buy a car in France? We'll give you the lowdown…
How to save money on utility bills…
What you can expect to pay for apartment maintenance charges and household insurance (and avoid overpaying)…
How much you should pay for appliances and electronic products in France (it's not nearly as much as you might think)…

And Many Other Hard-Won Secrets You Won't Find In Any Other Publication About Living In France

How to import your belongings into France…
How to bring your pets into France…
The best schooling options for your children…
How to get a French driver's license…
A quick French "primer" (It'll get you up to speed speaking "Français" even if you don't speak a word of French yet)…
How to get a French visa and residence (we'll help you eliminate all the bureaucratic hassles right off the bat)…
How to set up your own business in France…
Our six favorite Paris restaurants…
The secret to paying less for your French vacation…
The cheapest way to get to Charles de Gaulle airport in Paris…
How to choose an investment advisor in France…
How to buy your new French home…

…and literally hundreds and hundreds more hard-won, insider-only tips.

There's Nothing Else in the World Like Escape to France: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less

(And You Can Thank Author And Diehard France-Lover Steenie Harvey For That!)

When you start reading the pages of Escape to France…

…you will discover something right away.

Author Steenie Harvey absolutely ADORES France.

In fact, when I read the latest version just recently, it really made me want to visit some of the "hidden" destinations Steenie has discovered.

Here an excerpt straight from Steenie in Escape to France…about the Dordogne area of France:

Flower-filled gardens, world-class cuisine, a pleasant Mediterranean climate, and surprisingly affordable real estate prices. It's no wonder Provence has emerged as one of the world's finest retirement hotspots.

"Call it the Périgord, call it the Dordogne, call it heaven. For many prospective home buyers, this is the quintessential rural France, the dream place to go shopping for a little maison de village or a honey-colored stone farmhouse with a steeply sloping roof of russet-brown tiles. Everywhere here seems just so pastorally perfect, right down to the clouds of bright blue butterflies and the lines of fluffy ducklings paddling down river."

"The Périgord summers are gloriously warm and sunny. Under resplendent blue skies, the countryside is a feast for the eyes, a harvest festival of vineyards, fields full of sunflowers, tobacco plants, and corn, shady walnut groves, and stands of oak trees that often hide an underground treasure-trove of black truffles."

"Casting reflections in crystalline rivers, a fairy-tale château perched on top of wooded cliffs. There are dozens of picture-perfect villages, each one seemingly more enchanting than the last."

Then Steenie goes into exquisite detail about the best places to shop, eat, and find bargain properties in the Dordogne.

AND PLEASE KEEP IN MIND…

Steenie does this not just for the Dordogne region…

…but for every corner of France.

I'm telling you…she really did her homework on this one…

…and it's evident on every single page of Escape to France.

It's worth its weight in truffle oil!

How Much Would It Cost To Figure All This Out On Your Own?

Let me put it to you this way…

It took Steenie SEVERAL MONTHS and SEVERAL TRIPS to uncover all the secrets you'll discover in Escape to France. And she brings to bear on this project her many years of experience traveling to this country she loves.

And thank goodness… Steenie's loaded with energy. And also a "black-belt" expert on saving money while traveling.

Especially in France.

Otherwise, we would've had to spend a fortune just to help her cover France's 212,935 square miles and 1,951 miles of coastline.

But she pulled it off. And you know what?

That's GREAT news for you.

You see, YOU don't have to do ANY of the on-the-ground leg-pounding that Steenie did.

You can simply click around on your computer screen and discover all of her hard-won secrets…from the comfort of your own home.

So how much…then…does it cost to get your hands on a copy of this recently updated Escape to France?

Well…considering how much we invested in this project, we could easily justify charging several hundred dollars. Probably a lot more.

But we're not going to ask you for that much.

That's because we want to make it as affordable as possible for you to discover all of Steenie's secrets for living well for less in France yourself.

So instead of asking for $300…or even $200 (which would be a MASSIVE bargain for this kind of info)…

…we're only asking for $129

For just $129 you can get your hands on the most complete, the most comprehensive, and the most cutting-edge resource on living, working, traveling, retiring, and starting a new business in today's France in the entire world.

And you know what?

I'll even throw in a little something extra for you once you order Escape to France today.

Order Escape to France Today and You'll Also Get This Special Digital Bonus

Special Bonus: Special Report, The Top French Retirement Havens (Value: $37—Yours FREE)

If you're contemplating a new life in Europe, you'll find that few other European countries can match what France has to offer. The trickiest thing will be deciding which bit of France holds the most allure for you.

Maybe Paris is most appealing? It has bragging rights that other cities can only dream of. In this report you'll find out why, for centuries, people have traveled to Paris from all corners of the world. Or, just two hours from Paris – a beautiful, historical town could be your perfect retirement haven? Or imagine living in France- near the Spanish border. There's another charming countryside town situated in the deep south that’s known for its sun, song, and troubadours. This is a land of vineyards and craggy mountains, often breached by rocky river gorges.

France is one of the most spell-binding countries in the world…and in this report you'll not only read about some of the top places to live in the country but you’ll also find out about the cost of living, real estate, visa requirements, and more.

The Time to Consider France Is NOW!!!

If you've ever dreamed of living in France in first-class style without breaking the bank, then I strongly urge you to give Escape to France a try today.

There's truly nothing else in the world like it…

…and it could help make your dreams of living affordably in France faster than you could ever pull off on your own.

To order, simply click on the link below and follow the instructions.

It could be one of the smartest decisions you make this year…if not your entire life.

Once you read about all that France has to offer…and read the stories of those who are living the good life there, I expect I'll meet you in France someday very soon. I look forward to it!

Sincerely,

Jackie Flynn
Publisher, International Living

P.S. France has never been hotter as a potential place to live for discerning, budget-minded, future expats—either part-time or full-time. And you won't find a faster, easier, more affordable way for YOU to make it happen as soon as THIS YEAR than you will with the help of Escape to France.

Escape To Panama

Mon, 16 May 2022 13:44:17 GMT

"I knew if I was ever going to enjoy retirement on my terms, with my budget, I would have to look for a place
to live that had a lower cost of living. And I wanted to
live somewhere warm… a place where I could
have my windows open all day…"

"With its excellent infrastructure and healthcare system, no hail storms, tornadoes or hurricanes, and the low
cost of living, Panama ticked all the right boxes."

In Panama, she says, she easily lives on "around $1,100 a month"

Dear Reader,

If living comfortably well in retirement is important to you, you'll want to know about Panama's world-class retirement program.

Thanks to the hefty discounts it offers, expat Nanette Witmer—who retired to Panama's second-largest city of David—says:

"My budget for living in Panama is about $1,100 a month"

Nanette lives simply—you might even argue frugally. If you have a bit more to spend, you'll have even more options in Panama, where many expat couples say they live well on just $2,199 a month.

Here, in her own words, is exactly how Nanette does it:

"When I decided to get away from the cold winters of Colorado, Panama attracted me with its warmer climate, low cost of living, and first-rate infrastructure. That alone was worth moving for…but as a retiree here, it gets even better.

"One of the national laws of Panama can make the already low cost of living even lower. Law #9 entitles any resident of the country who qualifies to receive a discount on specific services. Called the 'jubilado descuento.' it's mandated by law for all Panama residents. And expats with a temporary or permanent visa qualify for this program too.

You Can Easily Qualify for Panama's Pensionado Program—And it Comes With an Abundance of World-Class Benefits

Panama offers the World's Best Retirement Program.

It's easy to qualify as a pensionado in Panama and be eligible for HUGE discounts on everything from restaurants meals and medical services to travel, entertainment events, and much more, even including your utility bills!

Keep reading for all the details…

"To give you an idea of how the discount can help with everyday costs, I get hotel discounts of 50% off Monday through Thursday and 30% off for Friday, Saturday, and Sunday. These discounts apply to the rack rate, so ask for them at the time of booking and make your reservations directly with the hotel instead of online.

"Last month I went for mid-week outing to the beach. I didn't even make a reservation beforehand but asked for my jubilado discount when I arrived at the hotel. I was told the rack rate was $95 so I was charged $47.50 plus tax for an overnight stay. Not bad for an ocean view room.

"I also get discounts on public transport. The cost of a ticket for local bus services or long-distance buses within Panama get a 30% discount. Panama trains and boats give 30% off...

"You can even get discounts on flights out of the country… there is a 25% discount on Panama airlines. Again, you can't get these by making online reservations. You must reserve tickets and get your discount at local travel agencies or the local airline offices.

"Medical expenses are another area where I get to take advantage of these discounts. Doctor's visits, ongoing prescription medications, as well as over the counter medicines are all cheaper when you're part of this program. It is great to get discounts on cold medications, cough syrup and even aspirin. All doctor's prescriptions and over the counter medicines get a 10% discount.

"You can receive 15% off services in hospitals and private clinics. Medical doctor's fees are reduced by 20%. Dentists give a 15% discount.

"The entertainment discounts are great too. I get 50% off tickets to movies, theaters and all sporting events like baseball games and soccer… so first-run movies that normally cost $3.50 set me back just $1.75.

"Eating out is also cheaper when you're a jubilado. Sit-down restaurants offer a 25% discount when you purchase a full meal. Be aware that the restaurant does not have to give a discount if it has less than five tables to serve people. Fast food restaurants are required to give a 15% discount. A recent visit to a new upscale restaurant for a buffet lunch cost me $10.50 with the discount instead of the usual $14. With a savings of $3.50, every fourth lunch is basically free.

"Another great advantage is that I get my own lines at banks, utility companies and anywhere else where you have to queue. If there are three tellers and 20 people in the regular line, everyone must wait until the jubilados are served first. And everyone complies with kindness towards the jubilados, knowing someday they will get their turn.

"Adding up all the savings in a month… in addition to the already affordable cost of living… it's not hard to see how inexpensive living in Panama can be.

"My budget for living here is about a quarter of what I spent in Denver."

The Perks and Prestige of
Being a Retiree in Panama…

It's true. Panama's Pensionado Program is the most generous and appealing program of special benefits you'll find anywhere in the world today.

It's easy to qualify for Panama's Pensionado Program—widely recognized as the best retirement program in the world. Just provide documentation of a guaranteed pension income of $1,000 a month from a government agency (e.g. social security, disability, armed forces) or corporation. If you buy a home in Panama valued at $100,000 or more, that amount is reduced to just $750 per month.

As a qualified pensionado (or jubilado) in Panama, you're entitled to:

50% off entertainment—such as movies, theaters, concerts, and sporting events—anywhere in the country
50% off closing costs for home loans and more…
50% off hotel stays from Monday through Thursday
30% off hotel stays from Friday through Sunday
30% off bus, boat, and train fares
25% off airline tickets
25% off at restaurants
20% off medical consultations
20% off professional and technical services
15% off hospital bills (if no insurance applies)
15% off dental and eye exams
10% off prescription medicines
And more…

You're also entitled to a one-time exemption from duties on the importation of your household goods (up to $10,000) and tax exemptions on the importation or local purchase of a car.

Is Panama Safe?

Panama's economy—one of the fastest growing in Latin America—is based primarily on a well-developed services sector, accounting for about 75% of GDP. These services include banking, insurance, activities in the Colón Free Trade Zone, and of course, the Panama Canal, container ports, and flagship registry.

The literacy rate in Panama is 90 percent and there's just 3.5 percent unemployment.

You can imagine how a strong economy and low unemployment affects crime stats. According to several media sources, Panama is safer than ever, having steadily climbed up the ranks to become one of the safest countries in Latin America.

Put Panama in the Top Spot on Your
Retirement Destination List Now

I'm Jackie Flynn, International Living publisher. For years International Living has been sharing information about all that Panama has to offer. As quality of life (worsened by crumbling economies and heavy-handed governments) deteriorates elsewhere in the world, Panama looks better and better.

Nowhere else can you enjoy such a comfortable life… with a year-round mild tropical climate, excellent medical care, fresh, healthy food straight from the farmer's truck… and a retirement incentive program that's truly welcoming of expats…

Why has Panama topped our Global Retirement Index more times than any other country?

First published in 1992, International Living's Global Retirement Index measures everything from climate and healthcare to cost of living and ease of fitting in. Panama scores high in all these and more, including "buying and renting," "entertainment and amenities," "healthy lifestyle," and "infrastructure" categories. Its benefit-rich Retirement Program puts it over the top. Plus, as recent survey indicates, Panamanians are the most "positive people on the planet." For all these reasons and more, Panama has earned the #1 spot on the index more times than any other country.

But don't just take it from me…

The AARP says that Panama is a "smart choice for retirees who want it all."

Business Week dubbed it "the New Florida."

Forbes says, "It truly can be paradise."

CNN reports: "How do you retire on $25,600 a year? Move to Panama."

And the Washington Post says:

"With all of its benefits and active expatriate community, Panama is among the most affordable and appealing options for retirees."

Panama frequently earns the top spot in International Living's Global Retirement Index. Once our editors and researchers crunch the numbers and analyze the data, there's no denying: Panama is one of the best overseas retirement destination there is.

In Panama you really can have it all: a cosmopolitan capital city with one of the world's largest financial districts…hundreds of miles of spectacular beaches…highland retreats with green valleys where the weather is spring-like, even in January and August…and did you know that there are never any hurricanes?

So please, don't put off your dreams of a better, less-stressful (and lower cost) life any longer…

If you're considering retiring overseas, but you're not yet sure where that might be, put Panama at the top of your list right now.

More than any other destination that International Living covers, Panama is—hands down—the most popular. And there are so many reasons why…

Panama meets all the criteria on most anyone's "perfect overseas lifestyle" checklist:

Close to the U.S. (less than a three-hour flight from Miami)
Politically stable and business friendly
Mild weather, with a climate for everyone, from tropical beaches to temperate mountains
Top-quality healthcare—the gleaming Punta Pacifica Hospital is affiliated with Baltimore's renowned Johns Hopkins Hospital
No income taxes on foreign-earned income

Now, it's true that many of the things I've just mentioned can be found in other Latin American countries, too. Some are even closer to the U.S. (but not by much). And many have democratically elected governments. (Although few are as stable and safe as Panama.)

Plus, there are many things that are unique to Panama that you may not be aware of:

You can drink the tap water almost anywhere
Property tax exemptions on a wide variety of homes and condos constructed in the last 3 years
The U.S. dollar is the official currency—your retirement income won't fluctuate with currency exchange rates
A built-in community of English-speaking locals and expats
No hurricanes
No income taxes on foreign-earned income
The world's best retirement, most lucrative incentive program, and…
It's very affordable—live well on $2,199 a month or on even less!

I'll explain more in a moment about how comfortable and inexpensive it is to live in Panama and I'll give you a look at exactly what kind of monthly expenses you might expect in Panama…

Claim Your Complimentary REPORT and Quickly Get Up
to Speed on All the Benefits Panama Offers

First, I'd like to tell you how to get your hands on a Special Report called Discover the World's Best Retirement Program: Your 3-Step Guide to a Pampered Life in Panama.

In this comprehensive reference guide, we'll share three steps to take to you on the road to living the life you've always dreamed of in Panama. We'll share some of the best (yet little-known and still affordable) places to look for your dream home. If you're looking for beach living, an island lifestyle, or to be in a sweet, little mountain hideaway, this report has you covered.

You'll also get pointers on how to start your real estate hunt in Panama. You'll be happy to know Panamanian law grants equal property rights to both local and foreign buyers, and that construction adheres to international standards. While real estate processes are similar to those of the U.S., it's also important to know what you can't buy in Panama… the locations and types of real estate to avoid at all costs.

In Discover the World's Best Retirement Program: Your 3-Step Guide to a Pampered Life in Panama, you'll learn about all this and more.

Very importantly, you'll discover details about the best residence visa options available to you in Panama, including the famed Pensionado Program. Created as Law No. 9, this is the most appealing program of special benefits for foreign residents and retirees you'll find anywhere in the world today.

It's a government-backed program that will actually pay for part of your retirement. And in this Special Report, you'll discover how to qualify and more about the benefits you'll receive. You'll also get the details of a new visa option designed for professionals and entrepreneurs.

Getting a residence visa in Panama has never been easier, more affordable, or quicker to obtain. Everything you need to know is in this Special Report, and we'll send it to you immediately, when you agree to take a look at our best-selling manual Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

We've been publishing this hefty manual for more than a decade now. There's nothing else like it on the market.

It's not a travel guide (although you'll find our insider recommendations for hotels, restaurants, and more) it's a complete encyclopedia of everything you need to know about life in Panama for the expat.

And of course, along with all the details, we've included names and contact information, websites, and much more.

I guarantee our Escape to Panama manual will help you decide if Panama is for you.

Keep reading to learn about our ironclad, no-risk International Living guarantee.

But again, you needn't just take my word for it. Panama is the place to be, according to the Migration Policy Institute, a Washington-based think tank that studies the movement of people around the world. The number of Panama visas issued to U.S. and Canadian citizens alone began to rise dramatically after 2003, and an estimated 25,000 U.S. expatriates live in Panama today.

I'll tell you more about Escape to Panama in just a minute. But first… I know one of the biggest questions on your mind right now:

Are There Still Deals to Be Had
on Panama Real Estate? YES!

International real estate expert Ronan McMahon—director of Pangea and publisher of Real Estate Trend Alert—says that while there wasn’t a spectacular crash in Panama City in the last decade, prices had risen too high, in his opinion.

That’s now changed, he says. Prices have leveled off and are particularly attractive in certain pockets of the country. If you’ve been on the fence about buying in Panama, Ronan says now’s the time to take a look.

Pangea’s managing director, Margaret Summerfield—who lives in Panama City herself—has this to say: "Panama is one of the best locations in Latin America for re-location, retirement or a vacation home. It’s safe, stable, business-friendly and welcoming to foreigners…who have basically the same property rights as locals.

“There are properties to suit most tastes and budgets, whether you want a home or a condo, a beach pad or a mountain hideaway. And, if you know where to look…you can find a killer deal that will throw off fat capital gains and decent rental returns.”

Point is: There are bargain opportunities out there if you know where to look. (Your Escape to Panama manual will introduce you to the resources you need to locate the best real estate deals.)

Check out these bargains in exciting, cosmopolitan Panama City:

How much does it cost
to rent in Panama

Average rental prices in Panama City's nicer areas tend to range from $800 to $1,800, but a little legwork can yield some bargain results. And outside the city… in popular Boquete or up-and-coming coastal Pedasí, you can find rentals for half as much or even less. In the countryside you might pay $350 a month for a three-bedroom home on a quiet acreage.

You can buy a brand-new two-bedroom two-bath condo—in a building with a pool and gym and in a great neighborhood of Panama City—for just $139,500.
Along Via España, one of the city’s main thoroughfares—and close to pharmacies, hospitals, and easy access to public transport—a three-bedroom/three-bath condo in a secure high-rise building with a balcony offering city views and covered parking is selling for just $165,000.
In the popular upscale Coco del Mar neighborhood—with expansive jaw-dropping views of the ocean and city skyline and with quick access to downtown and the rest of the city, you’ll find a brand-new luxury high-rise building with a rooftop pool, bar, sports facilities and much more. Two bedroom/two-and-a-half bath condos start at just $195,000.

In Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less, you'll learn exactly where to look to find the best bargains.

Prefer to live outside bustling Panama City? That's where the real bargains are found:

A spacious 2,530-sq.-ft. four-bedroom, four-bath wood-sided A-frame home on a pretty landscaped lot surrounded by trees is selling in the cool mountain Cerro Azul, just 40 minutes from Panama City. With two stories and a huge covered terrace for entertaining, it’s selling for just $150,000.
In Boquete, the boutique mountain town in the Chiriquí province that’s Panama’s most popular expat enclave (although it certainly retains its Panamanian flavor) you can buy a spacious new three-bedroom/two-bath home just 10 minutes from the center of town —with beautiful volcano and mountain views, and all for just $225,000!

In Panama, It's Easy to Start a Business, and Property Rights are Guaranteed By the Country's Constitution

As The New York Times reports, Panama's "laissez-faire stance on private property rights and entrepreneurship" makes it an easy place to invest and to start a business.

Property rights are guaranteed by the country's constitution and foreigners can legally buy property in Panama and generally enjoy the same rights as Panamanian citizens.

A word about Boquete… it's been named one of the top destinations to retire outside the U.S. by Forbes, Fortune, and AARP's Modern Maturity magazine.

That's thanks to its stunning vistas (and oh so healthy) temperate mountain climate, its modern amenities, delicious fresh food, and more. (Boquete is known for its fresh strawberries and cream and for having the best coffee in the world! Need I say more?)

You'll learn all about the bounteous beauty and benefits of Boquete when you order Escape to Panama.

Maybe beach living is more your style? You, too, will be happy in Panama:

In the upscale beach town of Coronado, a gorgeous three-bedroom, three-and-a-half bath home on a flower-filled lot with a large covered terrace and a swimming pool comes with all appliances for just $197,000.
And in nearby Gorgona, a luxury condo with gorgeous ocean views has three bedrooms and two baths in a high-rise building with an infinity pool, gym, restaurant, and more is selling for just $325,000.

Panama Is Politically and Economically Stable—Exactly What You Want in a Retirement Destination

Yes, Panama is thriving. It boasts the most vibrant economy in Latin America… with almost 6% compound annual growth year on year for over a decade.

For you, this means that Panama is a land of opportunity. Many foreign retirees who have settled in Panama have started B&Bs, opened restaurants or bars, run import-export businesses, and more…

As one successful expat entrepreneur put it:

"This country invites and welcomes businesses with tax incentives, streamlined paperwork, quick turnaround, and a big smile. Starting a business in Panama is easy, empowering, and exciting. There are endless possibilities for adventure."

I'm sure you've heard of Panama's biggest stimulus project of late: a massive expansion of that Modern Wonder of the World called the Panama Canal. It's just one of several mega-projects expected to fuel Panama's economy in the years to come.

Not bad for a "Third World" country, huh? Well, believe me, Panama is hardly Third World these days. For instance:

Panama is more modern than any other Central American country. You can stay at a rainforest resort or an island hostel and still enjoy the same high-speed Internet that you would in Panama City.
From the expanding international airport at Tocumen, also known as the Hub of the Americas, you can travel anywhere in the world, and often on a direct flight.
New cars of every make and model safely travel modern roads and highways. The country is small, so you can easily drive from the city to the rural, interior areas, including those gorgeous cool mountains, in just a few hours. See the sun come up over the Caribbean and go down over the Pacific all in one day!
With historically low inflation, one of the world's biggest banking sectors, and the government's business-friendly posture, Panama offers a combination of benefits that no other Central American country can match.

So let's talk affordability… and how, in Panama, you might retire earlier than expected.

I've already touched on the low costs of buying real estate in Panama. But what about the low cost of living overall? Many expats report they're living well on budgets of less than $2,000 per month. That doesn't include rent, but even if it did, you can see that in Panama, you can live very comfortably.

Terry and Clyde Coles spent many years living in the beach community of Chame—close to the popular Coronado area and not far from Panama City. By moving to Panama, they were able to retire at the young ages of 51 and 57—far earlier than they would if they had stayed in the States.

Terry and Clyde have generously agreed to share their average monthly budget. They owned their own home so they didn't include rent, but as you can see, living in Panama can be very affordable:

Electricity:	$35
Propane (cooking and hot water):	$5
Water and trash collection:	$5
Maintenance/ insurance/ fuel for one car:	$200
Internet:	$50
Cellphone (prepaid cards):	$10
DirecTV (US channels):	$20
Groceries/ prescriptions/ dining out:	$900
Health insurance:	$270
Home maintenance, etc.	$200
Spanish classes	$25
Clothing/misc.	$50
TOTAL:	$1,770

As Terry says, their food budget was high because "we're spoiled Americans and we buy chips, cookies, alcohol, soda and all the U.S. imports that we like. If we ate a typical Panamanian diet, our food expenses would be far, far less."

A good rule of thumb for your grocery bill in Panama is to budget about 40 percent less than what you spend at home. All of your expenses, of course, will depend on your habits and consumption.

And while city living may cost a bit more—thanks to all those entertainment and shopping temptations—when you choose to live outside the city… in a pretty little out-of-the-way beach town or even in a mountain town like Boquete, your monthly expenses may be considerably less.

Pamper Yourself—
You Deserve It

In Panama, a manicure and pedicure at any number of salons is just $10, and a relaxing hour-long massage is just $30. You can hire a maid to clean your house for $15 a day. A hearty, three-course executive lunch can be had just about anywhere for under $7.

Terry and Clyde, for example, lived near Panama's most popular and most upscale beach community, on less than $2,000 a month.

That allowed them to save money each month for travel, one of their favorite activities.

Yes, in Panama even a low budget affords a very good lifestyle. You'll enjoy guilt-free conspicuous consumption at laughably low prices. For instance, splurge on a day of beauty at any number of salons ($20 for a blow-out and mani-pedi); pay a maid to clean your house (just $20 a day).

A complete blood workup at that gleaming Hospital Punta Pacifica I mentioned earlier (the most technologically advanced hospital in Latin America) is $170. A consult with a physician at this state-of-the-art hospital is $50.

At smaller-but-modern clinics, like Hospital America or Clinica Omega, you'll pay 50-75% less, and outside the city a doctor's visit can be far less.

As Terry Coles explains, it costs $15 to see an English-speaking doctor at the local clinic in Coronado. If you have an emergency and you go to the local Social Security hospital, the doctor charges just $1. An ambulance ride the 90 minutes from Coronado to Panama City is just $25.

And remember, retirees on the Pensionado Program are entitled to sizeable discounts!

What about health insurance? Retirees like Terry and Clyde who would be paying $1,250 a month or more—$15,00 a year—in the U.S. for health insurance with a high deductible say that in Panama, they paid, on average, $3,240 a year for coverage—and that's with a deductible of just $250 a year. That's a substantial savings of nearly $12,000!

It's easy to see how living in Panama can contribute to your quality of life. You'll save, too, on the little things that matter the most, but can add up.

Imagine… sitting at a sidewalk café and enjoying a cup of premium Panamanian coffee, aromatic and hot, for just $1. (True, at $3 per pound, you can make delicious coffee at home for just pennies. But this way, you can enjoy the beautiful scenery as you soak up the sunshine and enjoy the tropical breeze.)

A taxi anywhere in town is only a few dollars. In any of Panama's cities or towns you can buy juicy tropical fruits and fresh vegetables for "locally grown" prices… little more than a buck a bag. At any of the many ocean-side restaurants, you can enjoy a cold beer for $2 or less. A satisfying executive lunch can be had just about anywhere for under $7.

More time and more money to spend as you like… no taxes on your foreign income, no inflated healthcare costs, no more worries about outliving your retirement nest egg.

Are you ready to learn more about all that Panama has to offer?

Your Quickest Route to Enjoying
the Good Life in Panama

Nothing compares to Panama and its Pensionado Program.

With all the economic problems, social unrest, and political upheaval going on elsewhere in the world, Panama shines as a tranquil, safe haven… where you can live affordably, securely, and happily. And that's all we really want, isn't it?

In Panama you can have it all—great weather, gorgeous beaches, fresh mountain air, a safe, sparkling city, warm, friendly people and all the luxuries you deserve… but at a fraction of the cost you'd pay at home.

You'll learn all about it… and then, no doubt, you'll be on the first plane to Panama… once you reserve your copy of Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

As I mentioned, Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less is one of the best-selling publications in the International Living library. And for good reason.

It's a comprehensive 298 page guide that contains the latest inside information and research gathered by our on-the-ground experts and sources in Panama.

Dig into Escape to Panama and get the inside scoop. You'll be introduced to expats living full-time in Panama as well as to the country's best resources: attorneys, bankers, real estate and insurance professionals, doctors, dentists, veterinarians, and more.

There's even a comprehensive section on moving your pets to Panama and the specific documentation you'll need.

Plus, we'll introduce you to the country's best cities, towns, beaches and islands where you can start your new life:

Affordable, cosmopolitan Panama City. It's a city of skyscrapers, modern office buildings, state-of-the-art new hospitals and hotels of shining glass. You can dine in five-star restaurants. Attend plays, symphonies, and the ballet and shop at the many unique boutiques. High-speed Internet is everywhere. And in Panama City, you can enjoy these First-World luxuries at about half the price you'd pay in any U.S. city. You'll learn all about this future-forward city in Escape to Panama. One complete chapter is devoted to helping you find the home of your dreams here. Read all about the best neighborhoods to buy in, and at bargain prices.

A lush, hidden valley just an hour from the city. Closer than you'd imagine to Panama City, an idyllic valley awaits. With lush green mountain vistas, tinkling waterfalls, bright flowers that offer explosions of colors, markets filled with fragrant tropical fruit, near-perfect, spring-like weather year-round… and surprisingly inexpensive homes and land. Cradled in one of the world's largest volcanic craters, this town is also less than an hour from Panama's best white-sand beaches. More and more expats are moving to this secret garden valley… and you'll understand why after you read Chapter 5 of Escape to Panama.

Glorious coastlines, pretty beach towns and unspoiled tropical islands.Where are the best and most affordable places to buy beachfront property right now in Panama? Remember, we have both a Caribbean Coast and a Pacific Coast… and hundreds of tropical islands plucked straight out of a travel guide poster. There are a couple of beach areas, in particular, that are poised to boom. Read all about them…

Boquete and its up-and-coming (and affordable) alternative. For all the reasons I've already explained, Boquete is, hands down, one of the most popular destinations for foreign retirees. But there's another nearby village with many of the same traits. With the same spring-like climate year-round, the same fresh mountain air, and the same beautiful scenery as Boquete—but with prices that are 40% to 70% less! You'll want to know about this secret spot. And you will, when you get your hands on Escape to Panama.

No one has better insider intelligence, better resources, or better advice about Panama than International Living does… and in Escape to Panama, you'll be privy to it all, including:

How to choose and easily qualify for the right visa. The residence process is simple. And unlike some other countries we know, Panama has never revoked residence rights. So once you have your residence it's yours… for life. Your visa typically takes no more than 90 days to process. You just need to know which visa is right for you and where to start.
Where to find affordable, first-rate healthcare. You'll find all the health care services that you want and need, but at a fraction of the price in the U.S. or elsewhere. Insurance, too, is highly affordable, as are prescription medications. Many that require a prescription in North America are available over the counter in Panama. Get the complete rundown as well as contact info for doctors, hospitals, insurance agents, and more in your newly updated Escape to Panama.
Financial privacy and tax benefits. Long before Panama became known as a top retirement destination, it was known as a business and banking haven. Open a bank account, set up a corporation, trust, or private foundation… and take advantage of major tax and asset protection benefits. And remember, when you move to Panama, you're poised to take advantage of exemptions on import taxes, exemptions on real estate taxes, and zero income tax on your foreign-earned income.

Of course, this is only the tip of the iceberg… just a small glimpse at what you'll learn in Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

If you think about it, you can see that it would take years to gather all this information on your own. But you don't have to do it on your own. You can leverage our expertise, experience, and resources when you reserve the latest edition of Escape to Panama.

This is the most affordable way to discover everything you need to know to decide if Panama is for you. Far less expensive than hopping on a plane… although that will likely be your next step after you have Escape to Panama in your hands. (And believe me, this will be the perfect guide once you're in Panama, too. Remember, all the contact info for our best Panama resources is included.)

The best part is that we publish all this electronically… so it's much more useful, colorful, and interactive than ever before. And you'll have access to it as soon as your order has processed.

Plus, we'll send you that valuable free Special Bonus Report—Discover the World's Best Retirement Program: Your 3-Step Guide to a Pampered Life in Panama when you order Escape to Panama today. In this Special Report, you'll discover how to qualify and more about the benefits you'll receive. You'll also get the details of a new visa option designed for professionals and entrepreneurs.

Getting a residence visa in Panama has never been easier, more affordable, or quicker to obtain. Everything you need to know is in this Special Report, and we'll send it to you immediately, when you agree to take a look at our best-selling manual Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

Just Like the Country Itself, This In-Depth Look at Panama is Remarkably Affordable

Escape to Panama is your best guide to the best retirement haven around, and right now we're offering it for just $129.

Just like Panama itself, this is a huge bargain—especially for the amount of current, usable information included. And especially considering that it could launch you on your way to the most enjoyable—and affordable—life you've ever imagined.

As Always, Your Satisfaction
is GUARANTEED

I'm so confident that the Escape to Panama manual will help you realize your dream life in Panama that I'll offer you this guarantee:

If, for any reason, you're not completely happy with your Escape to Panama manual, just let us know. You have our 30-day no-hassle money back guarantee…

We'll refund your $129, no questions asked… and you can keep your copy of The World's Best Retirement Program: Your 3-Step Guide to a Pampered Life.

Think about it. Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life For Less and your free Special Report, Discover the World's Best Retirement Program: Your 3-Step Guide to a Pampered Life in Panama.

All for just $129.

And a no-question money-back guarantee if you're not 100% satisfied.

Order now and you'll also receive our complimentary International Living Postcards, sent everyday via email. You can unsubscribe from this service at any time, with no hassle.

Once you read about everything Panama has to offer… and read the stories about those who are living the good life here I expect I'll meet you in Panama someday very soon. I look forward to it!

Sincerely,

Jackie Flynn
Publisher, International Living

P.S. Last year Escape to Panama was one of the best sellers in the International Living bookstore. No other country offers the benefits of Panama's Pensionado Program—the best retirement program in the world, offering a host of benefits and hefty discounts. If you're looking for the most welcoming place in the world to retire, start a new business, or where you can just enjoy life the way it's meant to be… then you need to know more about Panama. Act now and put yourself on the path to a fantastic future!

Expat Taxes Made Easy: The Complete Guide to U.S. and Foreign Taxes for the American Overseas

Wed, 07 Jun 2023 10:05:49 GMT

Are You Missing Out On Up To $108,700 Tax-Free Every Year?

(Plus: IRS-Approved Tax-Slashing Strategies For Anyone Thinking of Moving Overseas…)

Dear International Living Reader,

Once you've visited a place, researched it thoroughly, and determined it indeed is your idea of the perfect paradise…you'll be more than a little eager to get there and get settled in your new life.

There may be a million-and-one details to attend to—and figuring out any looming tax issues may not be the one you're most excited about. What's worse, most U.S. tax professionals haven't a clue about how to file properly once you set foot off the homeland. And they are likely to charge you an exorbitant amount to share what little they do know on the subject.

"Careful tax planning could significantly
reduce your tax burden to almost nothing"

But you don't have to let a little bureaucracy and taxation spoil your new life in Paradise. Whether you've already made your move…or you're still plotting and planning…you'll want to make sure you check out our latest pain-saving publication…our all new 2023 edition of…

Expat Taxes Made Easy: The Complete Guide to U.S. and Foreign Taxes for the American Overseas

The U.S. is not only one of the most heavily taxed places in the world to live, but it has a very long arm. If you're under the impression that taking your residence and your business offshore is going to keep you out of that arm's reach, then I'm afraid this letter is the bearer of bad tidings. Uncle Sam expects you to file and pay what you owe no matter where you spend your time.

Under certain circumstances, you can live abroad
and pay no U.S. tax—I did this for more
than 25 years. – Bob B.

But before you shoot the messenger, you should also know that there are some financial advantages to being an expat, and some bona fide ways you could save on your taxes. But they are not widely known, even among tax professionals. Trust me, we've heard the stories over the years.

Helping You Cross the "Great Tax Divide"

Your U.S. accountant may be able to help—at a price (the fee to prepare a tax return for someone living overseas could be up to $1,200 or more).

That’s assuming they have the relevant experience.

Some folks call this the "Great Tax Divide"—the one that begins at U.S. national borders, and extends across the globe. You see, as much as we have learned over the years about the tax situation once you move overseas, we wouldn't pretend to be experts on the subject. And most of our far-flung staff at International Living has been in the same situation—trying to figuring it out on their own.

“Rebecca and I will save a considerable amount
in state taxes by filing this kind of return” – Paul C.

Luckily, after a good deal of searching and vetting, we joined forces with Bright!Tax U.S. Tax Services, the specialist provider of tax preparation services for Americans living abroad.

Bright!Tax is a leading provider of tax services for the estimated nine million Americans who are living overseas. Bright!Tax has won multiple awards for innovation and excellence, and with clients in over 190 countries, few people (if anyone), knows more about keeping compliant with Uncle Sam's myriad complex tax rules and ensuring that compliance doesn't impinge on your enjoyment of the wonderful experience of living overseas.

And Bright!Tax has joined with International Living to create an easy-to-read (and understand) overview of everything you need to know about structuring your situation to save money and stay legal.

"Moving to another country and buying a home is daunting. And then comes tax time! I'm pretty sure most accountants in the U.S. and even IRS agents themselves, don't understand tax laws as they apply to those of us who have chosen to live outside the country. You can bet we'll be sharing this Tax Guide with our U.S. accountant, and we'll be referencing it often."

—Suzan Haskins, International Living

Putting Off the Inevitable Will Cost You Dearly

In just a minute, I'll tell you more about the specifics that you'll find in the guide. But first, I want to give you the big picture. In Chapter One, you'll come across an important piece of information that I think is true for so many people in our worldwide expat community—at least it was for many of our friends and associates:

Too many Americans abroad neglect to consider their tax situation until their first tax season approaches. By then it is usually too late to structure things to their advantage.

"If only we'd known", is the lament we hear so often from International Living readers.

Now, you will. We can't change the past, of course. But I feel completely confident that consulting Expat Taxes Made Easy right away can change both your present and your future.

Whether you are just toying with the idea of moving abroad, or you're already there and feeling the breath of the next filing deadline on your neck, you will feel an immediate sense of relief when you tackle the tax issue—and find it's not as difficult as you feared.

A Rare Find: Taxes Discussed in Plain English

I realize, by the way, that the U.S. government puts out a lot of publications meant to explain their arcane and obscure code. But personally, I don't find them to be page-turners. I generally have to read each sentence several times before I get its meaning. And even then, I'm not sure I know what to do with the information once I get it. It may be precise, but it's not user-friendly.

That's the best part about the Brand-New 2023 edition of Expat Taxes Made Easy.

It's written in clear, plain, easy-to-understand English.

It even includes examples to illustrate each of the most common scenarios… AND shows you completed sets of tax forms that have been properly filled out.

Now, I'm not advocating that you forego getting professional help with your taxes. What I am offering, though, is an easy-to-read, all-inclusive resource that demystifies the whole topic of paying taxes as an American abroad, so that you can do it yourself if you want.

Even if you decide to hire an accountant, you need to know enough to feel confident in their expertise—and maybe even cut down on the time and money you'll spend on their services. Honestly, I've heard of people paying exorbitant fees for tax preparation on top of overpaying their taxes due to some regular accountant's lack of competence in this area. Here are some of the mysteries Expat Taxes Made Easy will solve for you:

How you can get a filing extension for up to two months later than you would if you lived in the U.S. No need to make excuses or pay additional penalties or fees as long as you know what form to file (procrastinators might want to move offshore for this reason alone!)…
How you can earn up to $108,700 tax-free—when you live overseas…
When you don't need to worry about your income being taxed double—once for each country…
Which forms you need to fill out for your circumstances (and even what they look like when they're done right)…
Understand what the IRS means when they use terms such as: tax home, exclusion, bona fide residence, physical presence. Even seemingly straightforward terms need clearing up when it comes to the federal government…
Which credits and deductions you qualify for—and which forms you need to fill out to claim them properly…
How much money you can save on the words allowable housing expense…
How the last U.S. state you live in will affect your taxes for years after you move overseas, and what you can do about it…
How to protect your assets the smart way…do you move all your assets overseas or leave some of them in the U.S.? And how do you manage assets across multiple continents? All it takes is some forward planning to ensure that you don't end up paying more tax than you should…
Some expert tips on dealing with the IRS should they come knocking on your door…

After reading just the first 20 pages of Expat Taxes Made Easy, you'll know more than most U.S. accountants about filing—and saving—U.S. taxes when you live overseas.

But knowledge is only part of the equation. You also need to know how to apply that knowledge to your personal situation.

No More Guessing

Once you have an overview—and you know which forms you'll need to fill out, which exemptions you can claim, and even what your state and local tax burden will be (something that virtually no tax professional off the street would be able to tell you)—you'll get to do something that might even qualify as fun: peek at other people's tax returns after they've been filled out. (Okay, it's true, the names and Social Security numbers and some of their details have been changed to protect their identity—we're not crazy!)

Still, if you've ever looked at a stack of tax forms that have yet to be filled out, you understand the meaning of the word "anxiety"—which lines apply to you, and which don't? Are you catching all the possible deductions that are available to a person in your situation?

I guess it's just human nature, but we worry more about what we don't know, than what we're sure of…

That's why Expat Taxes Made Easy does something that is completely unique—it shows you actual tax returns which represent four of the most common scenarios of U.S. people living abroad:

A short term (one year) work assignment abroad
Working abroad longer term
A freelancer (i.e. "Digital Nomad") earning income online overseas
A married couple retiring overseas

These tax returns will also show how considerations like being married or single, with children or without, filing separately or jointly, and living part-year or full-year abroad can affect how you file your taxes and what you are entitled to. It is highly likely that you will see at least some part of your situation reflected in these illustrated examples, and you will see their actual return, along with a plain English explanation, for each scenario. And these returns have been professionally prepared by the Bright!Tax team, so you can finally feel confident that you're holding the right information in your hands.

What Tax Benefits (and Drawbacks)
Await You in Your Favorite Countries

Of course, Uncle Sam isn't the only jurisdiction with confusing and sometimes onerous tax laws. Bureaucracy knows no national borders. When you move to another country, you also have to consider their tax laws as well as those from your home country. That's why we've also assembled an entire section full of specific information on some of our featured destinations.

If you love Europe, but you hate taxes, you might have some tough decisions to make. If you're an entrepreneur with a love of Latin music and laid-back culture, you can see what kind of tax incentives Central American countries are offering to entice you their way. Either way, its information that's best considered before you pack your bags.

Belize, Colombia, Costa Rica, Ecuador, France, Italy, Malaysia, Mexico, Panama, Portugal, Spain, Uruguay. These are some of the hottest destinations for our International Living readers today. Expat Taxes Made Easy covers how various taxes are handled in each one.

You'll discover:

Why you might want to live in Ecuador if you positively hate income taxes…
Why living in Belize might be a great idea if you receive a pension of $2,000 or more per month…
Why you might want to consider only spending 183 days in France or Italy and not a day more…
How to know the tax treaties and agreements in effect between the U.S. and any nation…and know whether you'll be safe from double taxation or not…if you decide to go there…
How you can use a 1031 exchange to save on capital gains taxes for some real estate transactions and not others…
What tax is hidden in the cost of most foreign goods…and which countries have this extra tax dose included in everything you buy…

Now I'm not suggesting that you're going to make such a big life decision as where to live or retire, or raise your children based solely on taxes.

All of us learn remarkable lessons about taxation—and just about everything else you can imagine—when we make the leap and leave the U.S. I am just urging you to be wise and informed, and to take taxes into consideration as early into your relocation planning as you can manage.

Find the Hidden Costs and You'll Reap Substantial Savings

Whether you're already happily ensconced in the country of your dreams—or you're just considering a move—it's not too late to get a handle on your taxes and start saving. Resolve that, and starting this year, you won't need to pay a dollar more than you owe. And you won't waste another minute fretting about filing. Expat Taxes Made Easy can show you how to save money that could have been squandered in taxes by not claiming all the exemptions and credits you may be due, depending on your personal situation.

Bright!Tax, the team behind Expat Taxes Made Easy, has clients in over 190 countries, and they've helped thousands of Americans file their U.S. taxes from abroad, smoothly, in their best interests, online, and on time.

Other international tax attorneys routinely charge thousands of dollars for just a few hours' work.

Now, as I'm sure you've realized, this guide is not cheap. But it may very well be the best bargain you'll get this tax season. Just consider the amount of time and money it can save… not to mention the hassle of not getting your tax situation right. And as we know from experience—that "not getting your tax situation right" can happen all too often when you're dealing with people unfamiliar with filing for Americans overseas.

Right now, we're making this all-new 2023 guide available to you for an incredible $300.

Inside you'll discover everything you need to know about structuring your situation to save money and stay legal. And in plain English.

Order Now, and We'll Include a Special Bonus, FREE

When you reserve your own copy of Expat Taxes Made Easy today for just $300, we'll include an extra bonus, too…

If you're thinking of moving overseas, or have already done so, and you have a bank account in your new country, then you need to know about FATCA.

FATCA (Foreign Account Tax Compliance Act) is a U.S. law that aims to order all offshore banks and other foreign financial institutions to report information directly to the IRS about financial accounts held by U.S. taxpayers or by trusts, corporations, or other foreign entities that have substantial U.S. ownership interests.

For you and me, that means more tax filing requirements and so it's important to know what exactly you need to do to avoid harsh IRS penalties.

There's a lot of false information making the rounds about FATCA but the Bright!Tax team has been keeping a close eye on developments as FATCA's practical application unfolds worldwide.

In this special bonus report (value $47), Understanding FATCA: What You Should Know About the New Tax Regulations, the Bright!Tax team shares the real story and the hard facts about FATCA and how it will affect you as an expat.

You'll find out exactly what FATCA is, what it means for you, as well as 15 common questions about FATCA answered. This exclusive, and important, report is yours FREE, when you order Expat Taxes Made Easy.

As well as sending a copy to your mailbox, we've set up Expat Taxes Made Easy so you can download it to your computer as soon as your order has processed. Immediate gratification could be the key to a substantial tax savings, so we want to deliver.

(Hint: If you've just recently moved overseas, I suggest you turn to Chapter 6 immediately and breathe a sigh of relief—you still have plenty of time to file if you send in the right form today!)

I am so sure that this new 2023 guide is going to help you save money and stay legal, that I'm willing to completely stand behind my offer.

Stop Sweating The Small Stuff

There are a lot of factors to consider when deciding whether or not to pick up and leave the States and have the grand adventure of living in another country. Language proficiency, real estate prices, cost of living, and cultural differences to name just a few.

Taxes should be the least of your concerns.

And they can be—as long as you have a simple but solid plan that will minimize your tax burden and leave you free to explore your new country without worry.

That's what you'll get in Expat Taxes Made Easy: The Complete Guide to U.S. and Foreign Taxes for the American Overseas. There won't be a more affordable—or prudent—time to order your copy than right now.

And if you are not 100% satisfied with Expat Taxes Made Easy: The Complete Guide to U.S. and Foreign Taxes for the American Overseas just send it back within 30 days and we'll issue you a complete refund. No questions. No problems.

Click Add to Cart to reserve one in your name for just $300. That's big savings here…that could lead to even bigger savings on your taxes

Simply take a look at Expat Taxes Made Easy: The Complete Guide to U.S. and Foreign Taxes for the American Overseas. I feel confident you'll appreciate what you find in this plain-English, user-friendly guide designed to demystify a confusing process and save you time, money and frustration.

And really, the risk is all ours. The benefit, on the other hand, could be worth hundreds, even thousands of dollars to you.

Don't delay. This special offer on this all-new 2023 guide is only good for a limited time only.

Sincerely,

Jackie Flynn
Publisher, International Living

P.S. Order now and once we process your order, we'll send you a link so you can download your electronic version of Expat Taxes Made Easy: The Complete Guide to U.S. and Foreign Taxes for the American Overseas, and your special bonus report, Understanding FATCA: What You Should Know About the New Tax Regulations, with our compliments. It's quite likely that knowing about things like the foreign earned income exclusion, or the housing allowance could make a big difference in your bottom line this year. So don't delay.

Panama 101

Mon, 16 May 2022 13:32:40 GMT

A Warm, Tropical Climate with No
Hurricanes Ever, Totally Modern
Infrastructure, Excellent Healthcare, and
a Very Affordable Cost of Living...

Just 3 Hours From Miami, You’ll Find the
World’s #1 Retirement Spot.

But That's Just the Beginning

The Top 10 Reasons So Many Retirees—and People of All Ages—Are Choosing Ultra-Modern, Welcoming, Scenic Panama…

Dear Reader,

If you're thinking about retiring overseas, I'll wager that Panama is in the top one or two places you're considering. That's smart on your part.

Panama is the world's #1 retirement spot for many very good reasons.

Here are the Top 10 Reasons for Choosing Panama:

#10. If you live in the U.S. or Canada, you know Panama is close to home…just a three-hour flight from Miami, pretty much directly south. It's in the same time zone as North America, in fact—either central or eastern time, depending on the season.

(Panama doesn't do daylight savings time as the sun rises and sets at about the same time every day, month in and month out.) This makes it easy to work or stay in touch with everyone back home.

#9. The warm, tropical climate is a big attraction. As a friend of mine who lives in Panama's pretty mountain town of Boquete says, “Panama is not the end of the rainbow, but it's pretty close. In fact, we see rainbows here almost every day. The greenery grows and the flowers bloom year-round.”

Best of all, he says, “I now have a one-season wardrobe. That's something nobody tells you…you'll save thousands on your wardrobe costs when you live here. It's one of the unexpected savings. Parkas, hats, gloves, and snow boots…snow shovels…I'll never buy those again if I can help it…because I never plan to see snow again.”

#8. No big weather traumas. There's no such thing as blizzards and ice storms in Panama. No hurricanes, either. While it's nicely situated at the southern tip of Central America, and between the Caribbean Sea and the Pacific Ocean, Panama is well below the hurricane belt. You can live the laidback tropical lifestyle with no need for expensive hurricane insurance.

#7. You can lower your cost of living without giving up those things that are most important to a happy lifestyle. It can be remarkably affordable to live in Panama, with no sacrifices. Expat couples report they live very happily and comfortably on budgets averaging about $2,000 a month.

#6. You'll find top-quality medical care. (Punta Pacifica Hospital is affiliated with Baltimore's renowned Johns Hopkins Medicine.) Many doctors have trained at major universities in the U.S., Europe, and beyond, and they speak English.

You’ll find many healthcare innovations, too—such as stem cell therapies. (Panama is quickly becoming a global leader in non-surgical therapeutic options.)

By the way, the cost of healthcare can be five times less than comparable services in the U.S. That should get your attention.

#5. You have many affordable health plan options, too. You can join a hospital-based plan, get private insurance, use your TRICARE…

Retirees who would be paying $1,250 a month or more—$15,000 a year—in the U.S. for health insurance with a high deductible say that in Panama, they're paying, on average, $3,240 a year for coverage—and that's with a deductible of just $250 a year. That's a savings of nearly $12,000 a year right there.

#4. Plus, Panama offers all retirees—including foreign residents—the option to join its world-class Pensionado (Retirement) Program—the most generous and appealing program of special benefits you'll find anywhere in the world today. I'll explain more about this in a moment…it's important for you to understand its many benefits.

#3. Another thing expats in Panama appreciate is the big tax savings. You'll pay no taxes on your foreign-earned income. In fact, you'll experience far less bureaucracy and government intrusion overall, than you'll find elsewhere in the world.

For instance, a new property tax law went into effect on January 1, 2019, which reduces property taxes in Panama—to an incredibly low .5% of the value of the home. And you can get full tax exemptions on some properties constructed in recent years.

#2. Importantly, it's easy to settle into life in Panama. The government is stable and the economy is robust. Despite the pandemic, the International Monetary Fund (IMF) predicts Panama will be one of the “fastest growing economies in the region” for 2022.

By many accounts, Panama is the most modern and progressive country in Latin America.

All your brand-name products and specialty items are available, high-speed internet is just about everywhere… You can drink the tap water… The U.S. dollar is the official currency…

Americans helped build the Panama Canal, remember, and they've been a steady presence in Panama for generations, so you'll find a big community of English speakers.

But There's Another Compelling Reason—the TOP Reason, in fact, to Choose Panama: Because of the Panamanians Themselves.

#1. You cannot beat the warmth and the welcoming nature of the Panamanian people. They are happy and it's infectious.

I'm Dan Prescher, senior editor for International Living, and I have a story to tell you about the people of Panama…

My wife and I lived in Panama for a time. So did our son. Flash forward more than a decade and I am happy to say I am now father-in-law to a lovely Panameña and a proud “papa” to our Panamanian-American granddaughter.

The extended crew of our daughter-in-law's parents, grandparents, siblings, cousins, nieces and nephews have become…well…family to us…

We typically gather once or twice a year, in Panama or the U.S. And to say that my wife and I have been welcomed into the family fold would be a vast understatement. We don't speak perfect Spanish…not by any means…and not all of them speak English, but we celebrate the achievements of life and commiserate over the downsides.

Our Panama family has so warmly shared their culture…their food and drink, their funny sayings, the card games, music, fireworks and happy chaos…that I sometimes have to stop and think: Are these their customs or mine?

My point with all this: You can choose where to retire for a variety of reasons important to you. And there are places where you can satisfy most anything on your wish list…climate, beautiful scenery, affordability, and so on.

But in Panama, you'll also get a whole lot of heart.

Part of it all is surely the long association Panama has had with the U.S. for 200 years or more. “Zonians,” in fact, is a term used to describe descendants of Americans who were born and/or stayed in Panama after their ancestors came to build and maintain the canal. The late Senator John McCain, the baseball player Rod Carew, and musician Stephen Stills are famous Zonians…

Panamanians understand our culture and our customs. They're happy to share their country with us. And they're unfailingly happy. But why not? They enjoy a high standard of living and a low unemployment rate and low crime rates, but an overall low cost of living. Who couldn't be happy with that?

Not Ready to Retire? Panama Has Opportunities for Entrepreneurs and Remote Workers

Panama offers a new extended-stay visa for digital nomad types that allows you to stay up to nine months....and then extend for an additional nine months. Requirements are simple: you must have medical insurance and an external source of income of at least $3,000 a month.

There’s also the “Foreign Professionals” Visa that allows you to work in Panama with your university degree.

Of course, there are lots of opportunities for entrepreneurs...and starting a business is far easier and more affordable than you might expect.

For all these reasons and more, Panama consistently earns a top spot on International Living's Global Retirement Index.

And in 2022 Panama is #1: the world’s best place to retire.

You owe it to yourself to see what Panama offers you.

The Most Important Person You'll Want on Your Side in Panama…

I'd like to introduce you to another person that's become part of my Panama family. Her name is Jessica Ramesch. For more than 15 years now, she's been International Living's eyes and ears on the ground in Panama.

She's the person you want on your side if you're thinking of making a move to Panama.

Because even though Panama is one of the world's easiest places to settle in, it's still a foreign country with different rules, regulations, options, and procedures than you may be used to.

You'll need to get on the right legal track, for instance, with the resident visa that works best for you… You'll want to be sure you understand your best healthcare options… You'll have to decide where in the country you want to live, and if you'll rent or buy a home or apartment…

You'll want to decide whether or not to ship your household goods… to buy a car or not…what you'll do about insurance and taxes…how you'll manage your banking and financial needs…

You'll want to understand the rules for importing your pets to Panama…what kinds of vaccinations are needed…and on and on…

With something this important, you need reliable, up-to-date information you can count on, from a dependable, well-qualified resource. And that's Jessica.

Jessica was born in Panama but raised and attended university in the U.S. After traveling the world working in the cruise ship industry, she decided there was no place she'd rather live than Panama.

Jessica Ramesch is Your #1
Panama Expert in #1 Ranked Panama

Since 2006, it's been Jessica's job to travel Panama from east to west and north to south on behalf of IL readers, constantly on the lookout for ever-better places in Panama to invest, to live, and to play….

She has contacts in every area of the country and she's on top of all the technical and legal stuff…the processes and requirements for buying, renting, getting visas and residency, building, renovating, furnishing a home, moving your household goods, buying a car, bringing your pets, and so on…

She knows exactly how much it costs to live in the many different communities of Panama.

Jessica recently moved from Panama City to the beach area of Coronado. And based on her own experiences and the experiences of hundreds of other expats she's interviewed over the years, she has a number of insider tips and strategies to help you save both time and money when you visit or live in Panama yourself.

What About Safety?

Most expats who live in Panama will tell you the same…that they feel far safer there than they did when they lived in the U.S. or Canada.

As one expat living in David, Panama's third-largest city reports: "I live alone and have found Panama is extremely safe. I have had nothing but positive experiences here and met many others like me who are going it alone to fulfill their dreams to live abroad. The expat community has supported me, and I continue to make new friends and find new adventures to pursue. I don't think I could find this sense of community in the United States as a single woman."

Most expats who live in Panama will tell you the same…that they feel far safer there than they did when they lived in the U.S. or Canada.

And if you think Panama may be the place for you, Jessica is committed to sharing her real-world, on-the-ground insights with you.

Your very best course of action, of course, would be to go to Panama in person and spend a couple of months kicking around the country with Jessica. (And we recommend that.)

But it would take about that long...months... for her to show you, firsthand, everything she's seen and everything she knows that can help you streamline your own move to Panama.

Spending time one-on-one with Jessica would certainly “fast track” your research, no question about it.

But, of course, that isn't a practical option. It's doubtful you have the time or inclination to spend months on the road right now. And think how much it would cost… Even though Panama is budget-priced, you'd soon rack up thousands of dollars in travel expenses.

So we asked Jessica to take her years and years of intensive research and asked her to create a personalized online virtual “relocation tour” of Panama.

It's a way for you to gain access to Jessica's incredibly comprehensive and truly rich depth of knowledge and get “plugged in” to everything you need to know. A way for you to see for yourself, from the comfort of your own home or office, all that Panama has to offer you.

It's an easy, streamlined, and most reliable way to get you from where you are now—to a better life in the prefect place in Panama that's exactly right for you.

This is Your Invitation to Go “On the Road” With Jessica, Panama's #1 Expert

No matter how many books you've read or online research you've done…and no matter how many times you may have visited…what you don't know about Panama may surprise you.

International Living has been reporting for decades now about the benefits Panama offers retirees—and over the last several years, Jessica has taken on the most in-depth research-gathering project International Living has ever mounted on Panama.

She's been challenged to dig deep…to round up all her insider intelligence and to assemble all this valuable information in one place…

It's a huge project we call Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle.

This has been no small undertaking. Even though Panama is a tiny country, it's big on opportunity.

In effect, Jessica has been working on this project for well more than a dozen years now…ever since she returned to Panama to live in 2006.

And take it from me, no one is better suited for this kind of challenge. Jessica is one of the most diligent and detail-oriented researchers I know. She digs deep. She doesn't take “no” or even “I don't know” for an answer. She answers the questions you don't even know to ask…

Best of all, she makes sure the facts are reliable and verifiable. You can be certain that what Jessica tells you is correct and current…and that's probably the most important element in all this…

What she's put together is not just groundbreaking, it's almost overwhelming in its scope. It's a complete resource reference of everything you need to know about moving to, investing in, living in, and/or starting a business in Panama.

If you can name it, think of it, or wonder about it, Jessica has you covered. Every issue is addressed, every challenge is covered, and every question is answered.

Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle puts a huge amount of information, recommendations, tips, advice, and insights about living, traveling, and investing in Panama—one of the world's top retirement destinations—in one place…in living color…on video. I'll give you all the details of what it includes in just a moment.

It really is the next-best thing to exploring the country with Jessica in person. And it's the best way I know to not just “tell” you about all Panama has to offer, but to “show” you so you can see it with your own eyes…from the comfort of your home.

With Jessica and Panama 101 as Your Guide, See What Panama Offers You…and Watch Your Dollars Go Farther Than You Ever Thought Possible

I've already mentioned the overall low cost of living in Panama. It really is a bargain. When it comes to overall value—everything you get at such a low, low price tag—Panama is hard to beat.

Plus, it's a quality destination. Not to keep beating the drum, but it's a modern, First World environment with all the comforts of home. Still, it remains remarkably affordable. And it's very easy to make the transition to life in Panama.

Low health care and health insurance costs have something to do with that. After all, if you save $10,000 a year…or maybe even more…on your health insurance costs, that money can go far in Panama.

Housing costs, too, are low in Panama. You can buy a modern two-bedroom two-bath condo—in a building with a pool and gym and in a great neighborhood of Panama City—for just $145,000. Or a home in Panama's famous Coronado beach area—on the golf course—with three bedrooms, two-bathrooms, on a third-acre lot with a large sparkling pool, for just $349,000.

In Boquete, a three-bedroom, two-bath mountain home with gorgeous volcano view, is priced at just $145,000.

And rental prices are just as reasonable. In the countryside you might pay as little as $200 a month for a nicely updated home on a quiet acreage. In the city, $650 a month will get you a nice, modern 2-bedroom apartment in one of the city’s nicest neighborhoods.

It's easy to see how you'll get a huge drop in your cost of living when you move to Panama.

How Much Does It Cost to Live in Panama?

As Jessica says, if you focus on what's important you can live very well on a very low budget… She knows what she's talking about. No one knows the money-saving secrets and the low-cost hotspots of Panama like Jessica does.

Besides, she says, your “needs” will become simpler in Panama. And I can tell you from my personal experience how true that is. You can live comfortably with a lot less stuff.

Just to give you an idea of the average cost of living, here's an average monthly budget for a retired couple living in the interior of Panama, outside the more-expensive capital city. (You can expect to spend 20 to 40% more to live in the city):

Rent:	$775
Electricity:	$90
Propane (cooking and hot water):	$6
Water and trash collection:	$13
Maintenance/fuel for one car:	$125
Internet:	$28
Cellphone:	$30
DirecTV (US channels):	$43
Groceries/dining out:	$585
Misc.	$300
TOTAL:	$1,995

As you might understand, your own cost of living will vary. If you buy a home and therefore don't pay rent, or you won't need a car, you can replace those costs with what will surely be lower home maintenance and public transportation costs. You may find a less-costly rental, especially if you look in smaller towns…

You may not spend as much on groceries or dining out…or you might spend more. This discretionary budget item is totally up to you.

And note that the miscellaneous budget item of $300 includes health insurance and more. You may or may not have those costs…again, it's up to you. Some expats spend more than this and some spend less.

But the point is: On this kind of average budget, a couple can live very comfortably in Panama.

The Low Cost of Living is Made Even Better With The World's Best Retirement Program

I mentioned before that one of the most important benefits drawing expats to Panama is the country's world-class Pensionado (retirement) Program. It was created for Panama's own retirees but is generously extended to anyone with a resident visa in Panama, age 55 or older for women and 60 for men.

As a pensionado in Panama, you're entitled to:

50% off entertainment—such as movies, theaters, concerts, and sporting events—anywhere in the country
50% off closing costs for home loans and more…
50% off hotel stays from Monday through Thursday
30% off hotel stays from Friday through Sunday
30% off bus, boat, and train fares
25% off airline tickets
25% off at restaurants
20% off medical consultations
20% off professional and technical services
15% off hospital bills (if no insurance applies)
15% off dental and eye exams
10% off prescription and over-the-counter medicines
And more…

If you move to Panama with a Pensionado residence visa, you're also entitled to a one-time exemption from duties on the importation of your household goods (up to $10,000 value) and tax exemptions on the local purchase of a car.

All these discounts can greatly reduce your overall cost of living in Panama.

To give you an idea of how the discount can help with everyday costs, one expat says, “I can afford to eat out more often in Panama. Sit-down restaurants offer a 25% discount when you purchase a full meal. Fast food restaurants give a 15% discount. And I get hotel discounts of 50% off Monday through Thursday and 30% off for Friday, Saturday, and Sunday. These discounts apply to the rack rate, so ask for them at the time of booking and make your reservations directly with the hotel instead of online.

For instance, she says, “I went for mid-week outing to the beach. I didn't even make a reservation beforehand but asked for my jubilado discount when I arrived at the hotel. I was told the rack rate was $95 so I was charged $47.50 plus tax for an overnight stay. Not bad for an ocean view room.”

Plus, you'll gets discounts on public transport…on domestic flights within the country and on international flights that originate in Panama… You'll get 15% off services in hospitals and private clinics. Medical doctor's fees are reduced by 20%. Dentists give a 15% discount. All doctor's prescriptions get a 10-20% discount, even including aspirin.

As my Panama expat friend says, “The entertainment discounts are great too. You can get 50% off tickets to movies, theaters and all sporting events like baseball games and soccer…so first-run movies that normally cost $6.50 set me back just $3.25. Your utility costs will be lower, too. Thanks to the Pensionado Program you'll get a hefty 25% discount on your monthly electric bill.”

What Can You Expect When It Comes to Panama's Excellent and Inexpensive Healthcare?

One big benefit to living in Panama is its excellent, inexpensive healthcare. The quality, particularly in the private system, is as good as what you'll find back home. And prices are low. They're a quarter to a half of what you'd pay in the U.S. for similar services.

Panama has two healthcare options: a public healthcare system—so-called nationalized health—and private healthcare. And if you're an expat with a valid residence visa for Panama, you can have access to both systems.

Best of all, with that resident visa in hand, you'll have access to affordable, comprehensive health insurance. One expat couple, living in the town of David, in Chiriquí province, say they spend just $145 a month for the two of them, for a worldwide health insurance that covers them in Panama and when they travel to other countries or back to the U.S.

They've only seen a doctor for minor issues, they say, but were impressed with both the quality of care and the costs. Office visits, they report, are just $12 without any insurance. And that's not a copay. It is the actual cost of the doctor's visit.

In Panama 101, Jessica covers all your options in detail, so you'll know which is best for you.

Worried about language issues? As Jessica explains, many doctors have received training in Europe, Canada, or the U.S. and they speak English.

Are You Ready to Discover How Easy, Enjoyable, and Affordable it Can Be To Live in Panama?

There's no better way to put yourself on the fast track to Panama than with Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle.

This comprehensive resource is not like anything else International Living has ever produced on Panama, and as far as we know, there's nothing else like it out there.

As I mentioned, Jessica Ramesch has been working on this for more than 15 years now. She's literally spent tens of thousands of hours on the ground in Panama, doing research, collecting data, conducting interviews, and more…

Not long ago, she went into the studio to assemble a comprehensive series of 13 professional videos to bring her research to life. You can see, feel, and almost touch and smell Panama.

You'll travel along with Jessica as she introduces you to several distinct areas of Panama…and the many communities in each of those that make for easy and affordable expat living.

And yes, you'll discover several little-known areas that Jessica believes are well worth your attention right now—one coastal area in particular.

These are places your fellow expats have yet to discover in large numbers. Prices are low and opportunities are sky high.

To make a point here, this is no static report. It's not a manual…or a website. Think of it more as a high-level “virtual conference,” but much better… You can access the videos online from the comfort of your home any time you like, and you'll get to see and hear directly from Jessica, our dedicated resource on the ground in Panama.

She's the best Panama expert we know and in Panama 101, she takes you by the hand and not only introduces you to “her” Panama, but she gives you the tools to make it “your Panama.”

Along with five in-depth “destination” videos, Jessica has produced eight more “need-to-know” videos with advice about Panama that will save you time, headaches and boatloads of money.

Here's just some of what's covered in Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle:

In Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle, you'll find out what's true and what's not.

The internet offers loads of information about Panama. Websites and chat groups are full of misinformation—so it's important to get the most up-to-date information straight from someone who knows Panama inside and out.

No one knows Panama better than Jessica Ramesch. She offers you experienced perspective, valuable judgment, and on-the-ground guidance that will save you time, money, and frustration when you head to Panama yourself… You can be sure you'll be completely and reliably “in-the-know.”

Your best resident visa options. There are several you might qualify for, but which is the best for your personal circumstances? Video #7 in the series is devoted to this topic and ensures that you don't make any costly mistakes.
Critical “need-to-know” details about the world-class Pensionado Program that will save you thousands of dollars a year.
Your healthcare options. In Video #6, Jessica shares her experiences and gives you the full rundown on the options that make the most sense for you, including how to qualify and what the costs are. (You'll be pleasantly surprised at the low cost of excellent medical and dental care in Panama.)
How to safely purchase real estate in Panama. Legal processes are a bit different in Panama and having the right guide to those rules and procedures is invaluable—and that's exactly what Jessica offers in Video #9.
What about shipping your household goods and your car to Panama? You can do it, but should you? And how to best go about it? This is the kind of insider information you need. Jessica clarifies whether you'll pay import duties… She explains whether or not you'll need a local driver's license… and which communities are walkable or easy to get around without the hassle of owning a car…
How to structure your finances…where to bank, how to pay your bills…
How to get mail delivered… Panama's postal service is a bit quirky, and it pays to understand how it works.
What about communicating? What kind of phone and internet service should you expect in Panama…how to best (and cost-free) communicate with friends and family back home…
All about hospitals and healthcare…where to get the prescriptions you need and how much they might cost…
How to bring your pets to Panama…You may have heard that Panama has a quarantine period, but believe me, it's not at all what you think… I brought my 90-lb. Chocolate lab when I moved to Panama. It was easy…but you do need some professional guidance to streamline it all, and that's exactly what you'll get from Jessica.
What to expect in the way of taxes in Panama (not much at all, thankfully)…and much, much more.

Importantly, you'll discover how to save money when you live in Panama. It's not just about shopping in the local farmer's markets or relying on those amazing Pensionado Program discounts… It has more to do with picking the right place to settle…choosing the right kind of home to live in, and so on…

Jessica offers all her expert tips and insights that will have you on a well-planned, streamlined course…

Best of all, she even provides a step-by-step Action Plan. If you've wondered or worried about how you might ever pull it all off…making a move of this type…worry no more.

If you're thinking of living in Panama…or spending some extended time there…maybe opening a business or just reinventing your life…Panama 101 is your very best resource.

It's the fastest, most efficient, most cost-effective way to get you ramped up so you can get from where you are now to the idyllic spot in Panama that's right for you.

And when you're ready to actually explore Panama firsthand for yourself, you'll be able to use your time wisely—because in essence, you'll have already been there, with Jessica as your guide.

You'll know where to go, who to contact, and the questions you'll need to ask.

When You Order Now, We'll Give You 7 Comprehensive Special Reports and a Complete Panama Resource Contact Rolodex.

These Are Not Available Anywhere Else

As Jessica was taping the videos she created for Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle, she discovered there were a few topics that required some extra lengthy reporting…too much to record on video.

So those have been assembled in a series of special reports—delivered electronically to get them into your hands as quickly as possible. We'll send them to you now, today—for FREE, with our complements—when you order Panama 101 now. Simply click “Add to Cart” to get started.

This is the kind of reliable, actionable information you'll definitely want at your fingertips as you prepare for your move to Panama:

Special Report #1: Panama Scouting Trip itineraries and Travel Guide. If you've got one week, two weeks, a month or more to spend in Panama, you'll want this guide. Jessica and her Panama team have planned all the details for you…from how to travel around to where to stay—hotels, short-term rentals and much more. You'll also discover where to play…dine…and more…even the popular hangouts where you can meet expats who may someday be your neighbors. Live links to websites and contact information is all there for your easy access. Nowhere else can you get this kind of valuable, all-inclusive information.

Special Report #2: How They Did It: Meet Happy Panama Expats. Speaking of expats, sometimes it just takes a little motivation. That's exactly what you'll get in this special report. You'll meet expats in many different areas of Panama, all living their dream lives under the tropical sun. They explain exactly how they did it (and how you can, too) and they share personal details you couldn't get unless you quizzed them yourself… Find out what they do for healthcare, how much they spend on a daily and monthly basis, what they do in their free time, and much, much more.

Special Report #3: Practical Matters: Taxes, Cost of Living, Residence, Moving Your Household Goods and Pets, and Doing Business in Panama. Yes, Jessica covers all this in the video series, but as you can see from the lengthy title, this special report digs deep. You'll get comprehensive sample budgets and money-saving tips, a detailed tax primer, a full explanation of various visa options and a legal resource rolodex. And if you plan to move with pets or children, or you're thinking of starting your dream business in Panama, do not leave home without this special report.

Special Report #4: Spotlight on the High-Quality, Low-Cost Healthcare in Panama. This comprehensive report explains the differences between Panama's excellent public and private healthcare systems and can help you make an educated decision about what to do for your personal healthcare needs when you move there. You'll get all the details, including typical costs. There's also a rundown of the best private hospitals in the country and a list of some of the best local insurance providers—with full contact information. There's even a list of questions to ask about insurance policies you may be considering.

Special Report #5: The Guide to Renting a Home or Buying a Property in Panama. When you move to Panama, you'll need a place to live. And whether you rent or buy, that means contracts. Word to the wise: Do not sign a rental or purchase contract without first reading this crucial information. Everything is covered…from typical costs and how to find a rental to what to look for in a reliable real estate agent, the correct process for registering a deed, and much more.

Special Report #6: Something for Everyone: An In-Depth look at Panama's Regions. If you want insider information about areas of Panama that offer a combination of livability, affordability, beauty, convenience, and affordability—you'll find it within the 30 pages of this special report. All the “personalities” of these locales are sliced and diced for you. You're sure to find a hidden gem that's perfect for you.

AND Special Report #7: Your Panama Rolodex and Resource Guide. This is another document you won't want to leave home without. You'll find 17 pages of resources that you can rely on to help streamline your scouting trip and your move to Panama. Websites, email addresses, phone numbers, costs for services…it's all there…from accommodation and restaurants to airlines and shuttle services…to attorney, healthcare providers, moving/shipping and real estate contacts, language schools and much more, including handy travel apps you can load on your phone or tablet to make navigating your way around Panama as easy and inexpensive as possible.

All You Need to Do Now is Place Your Order—and SAVE

If you wanted to track down all the intelligence we hand over in Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle, you could probably do that.

But it would take an investment of many months…likely a dozen years or more, in fact. That's how long Jessica has been at it.

And you'd have to pull thousands of dollars out of your pocket.

In the many years that Jessica has been traveling the width and length of Panama she's racked up tens of thousands of dollars in expenses for airfares, bus fares, car rentals, gasoline, overnight hotel stays, meals, and more.

She's spent hours upon hours…more than 15 years…interviewing attorneys and healthcare professionals, real estate experts, insurance and shipping experts, and more…including hundreds of expats in every corner of Panama.

To be honest, on your own you'd have a very difficult time tracking down all these people…and accumulating all the intelligence Jessica has amassed.

My point: Panama 101 delivers insider access…

It hands you on-the-ground solutions that would cost you—at a minimum—$10,000 to gather on your own.

Probably more like twice that. (Jessica has spent far more than that on this project already.)

But you don't have to spend that kind of money…no way.

Jessica has done all the work for you, and I am certain it will save you time and a ton of money.

We could reasonably ask $1,500 or more for this program, which reveals expert tips and secrets about Panama you won't find anyplace else.

If we were to offer the 13 videos separately (and for sure, we could—they're that good), they'd retail for $39 each. Some for even more. That's a total value of at least $507.

And remember, for no additional cost, we're giving you seven special reports. Any one of these could retail for at least $49 each. That's another added value of $343 or more.

(The Rolodex and Resource Guide is in itself invaluable. Think how much time and money you'd spend doing online research, making phone calls, and pounding the pavement to find these dependable local contacts on your own. And the Scouting Trip Itineraries and Travel Guide… I assure you this are the easiest, quickest, and most reliable way to plan your own check-out trip to Panama. It's all there for you. No extra work for you to do. No second guessing or costly mistakes.)

Even though the retail value of this program is $850, we won't charge you anywhere near that for access…even though it's worth every penny.

In fact, we'll offer you a special discount right now.

We're pricing this comprehensive program at an already discounted $499.

We know there is lots of interest in top-ranked Panama right now, and we'll make you this special one-time offer.

We'll give you Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle for just $499. That's far less than half the value of the 13 videos alone. And remember, we're throwing in the SEVEN SPECIAL COMPANION REPORTS, that complement the comprehensive videos, for FREE.

Now's the time to take advantage of this special savings deal. Should you decide to ask for a refund, you've got a full 30 days to do it.

As you know, there's only so much you can absorb when you're reading about and researching a place. You do a “Google search” and tens of thousands of links come up. It's so hard to know whose opinion to trust. And the sheer volume of information can be overwhelming.

But that's what makes Panama 101 so special—and so useful. Jessica Ramesch shares her real-world insights directly with you via video. She cuts right to the chase, right there in living color, and she answers every question you have about Panama, the world’s top retirement destination.

I guarantee it.

In fact, place you order now and you'll be in line for…

Another SPECIAL FAST-REPLY BONUS…

Here's how I'm so sure Panama 101 will answer all your questions: We’ve compiled the most commonly asked questions about life in Panama. A couple weeks from now, I’ll send you a special Q&A Session I’ll host with Jessica where she'll answer those questions in detail.

We'll also archive this special “Panama 101 Maestro Session” so you can watch it any time you like.

As Always, Your Satisfaction is Triple Guaranteed—There is No Risk for You

Guarantee # 1—I guarantee this Panama 101 will help you find the perfect Panama lifestyle that's right for you. A place where you can live better than ever… stretch your retirement dollars… and have the time and funds to travel, relax, and enjoy life…

Guarantee # 2—I guarantee it will deliver the real-world solutions you need to get from where you are now to where you want to be…so that in just a handful of months, you could have "boots on the ground" in a part of Panama you love. But if you feel the solutions we offer aren't for you, we'll give you a full refund. In other words, the risk is all ours.

Guarantee # 3—Should you decide to ask for a refund, you've got a full 30 days to do it. If you don't feel that Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle will help you to a new life in Panama, just let us know and we'll refund every penny. That's how confident we are in the depth and breadth of information this mega-resource provides.

The warm, welcome of Panama…the laidback lifestyle, the lower cost of living…but with all the modern pleasures and amenities at hand…

All this makes Panama hard to beat.

The good news, of course, is that it's all within your grasp. You don't need millions in the bank to capitalize on the opportunities in Panama—one of the best-value retirement options you'll find. With so much to offer.

In Panama, you can have the life you've been dreaming of…

If you're looking to be close to home…yet far from the turmoil, stress, and skyrocketing expenses you'll find in the States these days…and instead, live amidst friends and neighbors that will welcome you with open arms…where you can actually afford top-quality healthcare…have access to farm-fresh, healthy food…and a great year-round climate…all with an amazingly low cost of living…

You'll find all that and more in Panama.

And in Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle, Jessica Ramesch shows you exactly how to make it happen…how you can settle into a far better, more affordable, healthier life and do it seamlessly, enjoyably, confidently…

Find out for yourself why Panama is the world’s best retirement destination...

Think about it: A handful of months from now, you could be sitting on your own terrace, a hot cup of rich Panamanian coffee or a frosty, delicious cerveza in hand, watching the sun play against the mountains or set over the gorgeous blue ocean…

I hope you'll let us show you how…just click “Add to Cart” now and we'll get you started.

Sincerely,

Dan Prescher,
Senior Editor, International Living
January 2022

P.S. If you have any doubt that Panama offers a top-quality lifestyle—at a very affordable price—your mind will definitely be changed after you've sifted through the 13 professional videos and the seven comprehensive special reports, including the hefty resource rolodex, that make up Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle.

(And be sure to send us your follow-up questions and be watching your e-mails for details of the special Q&A Session hosted by Jessica Ramesch just a couple weeks from now.)

If you've always loved the idea of retiring in real comfort…where you don't have to worry about rising healthcare costs and crime rates, out-of-control government spending or crazy politics…

Then I encourage you to take a look at Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle. It was created with you in mind.

Follow the blueprint Jessica has created for you. Let her introduce you to the special places she's discovered. Let her share her expert insights with you and help you shave months…even years…off your learning curve.

Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle is like taking a whirlwind investment and lifestyle tour of Panama. Only instead of paying thousands of dollars for the travel fees and expert advice, we hand it all to you right there in the comfort of your own home for just $499 when you take advantage of this first-access offer and order your Panama 101: Your Blueprint to a High-Quality, Low-Cost Lifestyle now.

Remember, there's no risk to you. You have our 30-day 100% Money-Back Guarantee.

But act now. This offer expires soon. Click “Add to Cart” now to get started today.

Panama Scouting Trip Itineraries and Travel Guide

Thu, 10 Nov 2022 13:21:11 GMT

Here's How You Do It…Find Out How YOU Can Experience

The Very Best Of Panama On Your Own "Exploratory" Trip.

Order Today for Just $79

Dear Reader,

If you’re excited about the opportunities in Panama today—then you’re going to want to check out your options there for yourself, and we can help.

Whether you have one, two, three weeks or more to explore the opportunities on offer in Panama today—you’ll want to use your time (and travel funds) wisely. Our Panama Scouting Trip Itineraries and Travel Guide will show you the way.

Jessica Ramesch, our IL Panama correspondent, created this guide to give you a framework for a variety of trips—with day-by-day recommendations.

Inside, she shares her most useful tips and insights for planning and enjoying a successful expedition.

Right now, Panama offers just about everything a discerning, budget-minded world travel enthusiast could ever want.

It’s got Panama City…national parks…Pacific Coast surf towns…tropical island archipelagoes…rainforests filled with exotic and rare animals and birds…and countless more lovely “hidden” discoveries in between…

What’s more, in the right places in Panama, a couple can live comfortably – even in Panama City – on as little as $2,000 a month, all in.

So Panama is not just a wonderful place to visit…

It’s also a wonderful place to live…

That's why you should check it out first-hand!

This All-New Panama Resource May Even Help You Meet Your New “Neighbors” In Panama

The Panama Scouting Trip Itineraries and Travel Guide will show you how to travel around from place to place in Panama…where to stay…where to play…and where to dine…

It will also show you where some of the popular local hangouts are…

This way, you'll have an idea where to meet a few folks already living in Panama AND find out what it’s REALLY like to live there.

And who knows?

Some of the locals you meet on your next trip may soon be your new neighbors!

But here’s the thing…

The 1-week, 2-week and month-long Panama travel itineraries you'll get are just part of this special offer.

There’s more…

The Panama Scouting Trip Itineraries and Travel Guide also includes links to trusted websites and contact information you’ll find immensely helpful as you plan your next trip to Panama.

You’ll get a few “insider” tips and advice for traveling in Panama so you can “do as the locals do” as well. And, you’ll even get contact details for some of our “on-the-ground” Panama correspondents!

Plus, you’ll also find out the easiest ways to travel around Panama. You’ll discover…

Why bus is the favorite form of transportation for many locals and visitors…
How to get from each of Panama’s most popular towns, to the next…
Insider tips on what bus system to use, how to pay, and what to bring in order to have the most comfortable journey…
A handy alternative route to David, that bypasses Panama City altogether…
The most convenient location for car rental…
What to expect to pay for domestic flights, and how much luggage you can take with you…
What to ask your taxi driver before getting in the car…
When to tip, and when not to…
And several more “insider” tips on getting around in Panama comfortably and easily…without overspending…

Why Wait To Get In On This?

The Panama Scouting Trip Itineraries and Travel Guide is priced at $79.

Your Satisfaction Is 100% Guaranteed

If you are not completely satisfied with the Panama Scouting Trip Itineraries and Travel Guide for any reason whatsoever, just let us know within 30 days for a full refund.

I hope you'll take me up on this offer to get yourself a copy of the latest digital edition of the one-of-a-kind resource Panama Scouting Trip Itineraries and Travel Guide.

Like I said, you have our no-hassle guarantee if, for any reason, you are not satisfied.

Order the Panama Scouting Trip Itineraries and Travel Guide by hitting "Add to Cart" now.

Singles Report

Fri, 29 Jan 2021 16:03:00 GMT

Discover the Advantages to Being Single Overseas…in the World’s Most Romantic, Affordable, and Friendly Havens

Dear Reader,

If you could travel anywhere, with nothing to hold you back...where have you always wanted to go?

You could enjoy the quiet, turquoise waters of the Caribbean…a mountain retreat with views of lush cloud forests…or an elegant pied-à-terre in an historic World Heritage destination…

How about a part-time escape to Belize and the 200 Caribbean islands scattered off its coast...where the attractions include the friendly English-speaking people, the natural beauty, and the air of freedom and opportunity. Others who have settled on these beaches and islands include divers, sailors, and anyone looking for an affordable way to enjoy Belize’s laissez faire “live and let live” approach.

Maybe safe and stable Costa Rica, where you’ll find the happiest people in the world…and a land of stunning beaches and rushing rivers, with communities where neighbors watch out for and help one another…

Or perhaps the beaches, mountains, fabulous cities, and colorful festivals of a sunny Spanish town—with one of the lowest costs of living in Europe…

You see, not only is it more affordable than you think to spend time in these places...but as a solo traveler you have the freedom to get more out of these destinations.

In fact, there’s a special new resource you should have at your fingertips if you’re planning to take full advantage of being single overseas.

It's called Single and Ready to Move Overseas: Your Guide to Joining Happier, Healthier Expats Abroad, and with it you can learn all about the best ways to enjoy a fun-filled life in the romantic, affordable, and friendly havens of Europe, Latin America and even exotic Southeast Asia.

With in-depth and frank contributions from dozens of solo American and Canadian retirees who live overseas (or who were happily single when they first moved overseas), this unique resource shows you International Living's top-ranked countries packed with great destinations, including:

Mexico: Fun and Filled with Single Expats

Mexico has more North American expats than any other country in the world. And no wonder. It’s close and convenient, it’s largely First World, and it offers a cost of living as low as half that of the U.S. or Canada.

Mexico’s popular expat destinations have established communities that can make building a new social network much easier. Mexico has expat communities all over the country, so be as picky as you like in your requirements—you’ll find someplace in Mexico to suit your single lifestyle.

Right now, some of the best destinations for new expats and singles include the Mexican highlands—home to San Miguel de Allende and Guanajuato—and the Riviera Maya, on the Yucatán Peninsula.

Panama: Well-Established Expat Communities Across the City, Highlands, and Pacific Coast

Author of Single and Ready to Move Overseas Jessica Ramesch, who lives in Panama City, says "Panama truly is special. In large part, I feel safe here because it is very international and welcoming. I have wonderful friends in Panama and a wonderful life. Being single hasn’t hindered me. On the contrary—here, more than anywhere else, I feel like I can truly be myself.”

Panama boasts cool mountain havens and country hamlets…miles and miles of beaches along the Pacific and Caribbean…and, of course, a modern capital famous for its sparkling skyline. Many locals speak English—among them doctors and white-collar execs. There are well-established expat communities across the country, and they boast high-speed internet, cable television, reliable power, and potable water.

Belize: The Small Caribbean Nation Welcoming North American Retirees

Belize, the little Central American nation, casts a spell—especially on those with a spirit of adventure. Very popular thanks to its friendly, English-speaking people (who greet you with a smile and a cheerful "Good Day"), the natural beauty, and the air of freedom and opportunity. For many years, the country has drawn people from all over the world who want to live in the sun while taking advantage of the country’s real estate bargains and reasonable cost-of-living options.

Although the island of Ambergris Caye and mainland Cayo are considered good places for singles, you will find single expats all over… in Caye Caulker, Punta Gorda, and the increasingly popular Placencia.

Costa Rica: The Easiest and Most Proven Retirement Destination

This country of just over five million may truly have it all: a year-round tropical climate, quiet rural areas, hillside villages, Caribbean beaches, Pacific coastline, rainforests, lush valleys, and mountains.

There’s a climate and location to suit every taste. Cool Central Valley towns, surrounded by coffee farms and lush green mountainsides…Pacific Coast beach towns where you can doze in a hammock in the afternoon sun, with clear waters lapping the shore nearby…and the dramatic volcano backdrop of Lake Arenal, home to a close-knit community of expats.

In Single and Ready to Move Overseas, we’ll show you where to find plenty of other communities full of fellow expats where friendships come fast.

Portugal: Europe’s Top Retirement Destination

All the romance and culture of Europe, plus modern services, efficient transport, and excellent healthcare. You'll also find a lively, outgoing lifestyle and some of the best food and wine around. Portugal is a magical place. And the fact that it’s Western Europe’s most affordable destination is a happy bonus.

Portugal’s got a little bit of everything: myriad beaches, great golf, history and culture, amazing food, stunning mountains...and low costs. It's the top retirement haven in Europe and is the third safest country on earth, according to the 2020 Global Peace Index.

As you lunch seaside sipping a chilled glass of vinho verde, it’s not unusual to overhear conversations in Danish, French, Russian, or, of course, English. In fact, Americans, Canadians, Australians, New Zealanders, and others are starting to look to Portugal.

Thailand: Low-Budget Luxury

North American expats aren’t as huge a presence in Southeast Asia as Europeans and Australians, but the low costs, excellent, affordable healthcare, and beautiful beaches make it increasingly attractive. You can also get by with English in these countries—another big plus.

Making friends is easy. Expats are genuinely welcoming to newcomers, share what they have learnt, are highly social, and demonstrate an adventurous nature. Life is always busy, or as busy as you want it to be.

Thailand is incredibly popular with single expats of both sexes. Bangkok attracts a great many, as does Chiang Mai, with a very active singles social scene for both men and women. Also popular are beach destinations like Phuket, Pattaya, and Hua Hin.

There are expat destinations in countries around the world to suit just about every taste. It can be difficult to decide what you need. What kind of climate do you like best? Do you want a small town or a large city? Mountains or beach? How social are you? And are you willing to learn a new language?

Once you get your hands on this brand-new Single and Ready to Move Overseas…you'll have all the information at your fingertips that will help you to decide. There are a lot of organizations that take masses of facts and figures and crunch them for publication.

We take a more personalized approach, talking to our far-flung team of experts and editors about every aspect of their lives as expats. They aren’t sitting in cubicles doing online research; they’ve got boots on the ground and are eminently qualified to make judgment calls.

And in Single and Ready to Move Overseas, we’ve gathered their favorites. In it, we share all the details about where you can embrace this good life for less… And I guarantee it will help you determine which country is right for you.

What Happens When You're Single Overseas?
(We Asked People Like You Who Contributed to This New Guide)

"There's so much to do, I could be out every night!"
— Linda (Cuenca, Ecuador)

"I've never had a network of support like I have here, and I've traveled all over."
— Tari G (Salinas, Ecuador)

“Without a doubt, moving to Spain was one of the smartest decisions I’ve ever made. Today, my social life is on fire. My health is fantastic. I’m learning a new language. I’m seeing the world. I have more friends than I can count. My late-life adventure is in full swing.”
— Marhsa S (Madrid, Spain)

"I like going to our local pizzeria, where the waiters know my name, attending yoga classes at the Atenas Yoga Center, and having lots of local expat community groups to join if I want."
— Shannon F (who met her now-husband in Atenas, Costa Rica)

"In general I find people here just have more time for each other—it's much easier to get together with friends than it is in New York."
— Kathy B (Guanacaste, Costa Rica)

"The laidback atmosphere on this charming little island immediately brought me back to my childhood in rural New Hampshire. Small children frolicked in the quiet, unpaved streets…everyone knew everyone. People greeted each other with smiles and banter. And photography and fly fishing, my two passions, are world class here."
— Dennis G (Caye Caulker, Belize)

The Easiest Way to Take the Next Step

Once you identify the friendly haven that's right for you, you'll be amazed at how much your cost of living could change for the better. In this one-of-a-kind resource, we’ve also included sample budgets. For example…

By far the most popular place with expats in Costa Rica is the Central Valley. It offers a nearly perfect climate. The best hospitals and top doctors in the country are a short ride away. And in Costa Rica, your monthly budget could be as little as $1,615.
Lagos is in the western Algarve, Portugal’s southernmost region, where the beautiful rock formations of Ponta da Piedade and inviting sands lure beach lovers with the promise of perfect weather. Summer temperatures range from around 68 to 82 and drop by 20 in winter on average. And it'll cost you less to live in Portugal than you probably imagine: from $2,020 a month (including a maid to call twice a month).

In 2005, author of Single and Ready to Move Overseas: Your Guide to Joining Happier, Healthier Expats Abroad, Jessica Ramesch, began writing about life in Panama for International Living.

"It turned out to be the perfect way to get out there, meet new people, learn about activities and more," says Jessica. "Everywhere I went, I asked questions, in the hopes of gleaning some new, interesting detail for my articles. At a new restaurant I would ask who the chef was, and if I heard someone was planning a trip to a little-known beach, I'd ask if I could join. But I soon realized I wasn't the only person doing this. After a while, it seemed as if every new single expat I met—every happy single expat—put herself out there in the same way."

International or expat communities—like the ones covered in this guide—lend themselves to networking. There's no call to feel embarrassed. "Veteran" expats expect to be approached by newbies, and many of them are happy to share tips, recommendations, and more.

Today, Jessica has wonderful friends in Panama and a wonderful life. "We've all come from such different backgrounds, but we all came here in search of a better life. People in my new 'international' family are generous with their time and happy to help me whenever I need it. And, of course, I'm always ready to reciprocate."

And in the newly-updated Single and Ready to Move Overseas: Your Guide to Joining Happier, Healthier Expats Abroad, Jessica and her friends and contributors document everything they know about retiring solo in the world's top singles-friendly retirement havens.

Interactive Online Community for Solo Travelers

PLUS, we’re including FREE access to a private online forum for solo travelers who would like to interact with other singles overseas when you take us up on this special offer. This group is hosted by Jessica Ramesch, and is an ideal way to network, ask questions, and learn from others who are already happily living single overseas or plan to do so soon.

It’s a forum where you can get your questions answered and gain the confidence you need to take the leap…

You’ll get feedback and help from fellow members who can bring their advice and experience to the table and share useful insights you won’t get anyplace else.

The Best Move You'll Make…

You know, when Marsha S moved to Madrid in Spain when she was 70 and single, her friends thought she was extremely daring. Of her life in Madrid, she says: "Spain ticked a lot of boxes on my list: warm weather, affordable cost of living, great food, wonderful wine, fascinating culture, dependable infrastructure, and most important: warm, welcoming people. I found it easy to make friends, and by the end of my first trip, I already had about a dozen friends in Madrid.”

Marsha is riding a trend, one of thousands of singles from the U.S. and Canada who are moving abroad to enjoy a more affordable lifestyle…and discovering that being single isn't holding anyone back.

And now you can too.

The Best Deal On
Single and Ready to Move Overseas

This unique guide is intended to give you everything you need to pick your own haven in Europe, Latin America or Southeast Asia, where you can enjoy your life overseas.

Right now you can get your hands on Single and Ready to Move Overseas for just $59.

All it takes is $59 today and you'll have in your hands everything you need to discover your own friendly haven where you can be yourself and connect with like-minded welcoming people.

When you order your copy of Single and Ready to Move Overseas: Your Guide to Joining Happier, Healthier Expats Abroad, you’ll also receive access to a private online forum for solo travellers who would like to interact with other singles overseas, hosted by author Jessica Ramesch. Invitation-only access is yours FREE.

And as always you're covered by our…

Our 100% Satisfaction Guarantee

And of course, your full satisfaction is 100% guaranteed. If you are not completely satisfied with the experienced insights Single and Ready to Move Overseas: Your Guide to Joining Happier, Healthier Expats Abroad offers you, just let us know within 30 days for a full refund.

All you have to do is fill out the order form below to order Single and Ready to Move Overseas: Your Guide to Joining Happier, Healthier Expats Abroad.

All it takes is $59 today and you'll have in your hands everything you need to discover your own friendly haven where you can be yourself and connect with like-minded welcoming people.

And remember: our rock-solid satisfaction guarantee means there's no risk to you. If you decide Single and Ready to Move Overseas is not for you, just let us know within 30 days and we'll issue a full refund. You've nothing to lose.

I strongly encourage you to act now.

Sincerely,

Jackie Flynn
Publisher, International Living

December 2020

P.S. Single and Ready to Move Overseas: Your Guide to Joining Happier, Healthier Expats Abroad will save you time and money and make your transition to your ideal retirement haven as easy and carefree as possible. Remember…your satisfaction is guaranteed. Today it's yours for just $59. Don't miss this opportunity.

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