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[Type the author name] A publication of Live and Invest Overseas www.liveandinvestoverseas.com www.LiveandInvestOverseas.com By Rebecca Tyre
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
44 Things You Must Know Before You Relocate, Retire, Or Invest Offshore By Rebecca Tyre Published by Live and Invest Overseas Bayfront Tower, Suite 1007, Avenida Balboa, Panama City, Republic of Panama Publisher: Kathleen Peddicord Copyright 2009 Live and Invest Overseas. All rights reserved. No part of this report may be reproduced by any means without the express written consent of the publisher. The information contained herein is obtained from sources believed to be reliable, but its accuracy cannot be guaranteed. Any investments recommended in this publication should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Table of Contents
1. Shopping For International Health Insurance ........................................................................................... 5 2. Shipping Your Belongings Across International Borders ........................................................................... 6 3. Bringing Your Pet With You ...................................................................................................................... 7 . 4. Worlds Most User Friendly Places To Obtain Permanent Residency ..................................................... 8 1. Panam ................................................................................................................................................. 8 2. Uruguay ................................................................................................................................................. 9 3. Belize ..................................................................................................................................................... 9 4. The Dominican Republic ....................................................................................................................... 9 5. Ecuador ............................................................................................................................................... 10 6. Malaysia .............................................................................................................................................. 10 5. Medical Care Overseas ............................................................................................................................ 10 6. U.S. Social Security In A Foreign Country ................................................................................................ 11 7. What You Need To Know About Medicare Before You Move Abroad .................................................. 11 8. Set Your Priorities ................................................................................................................................... 12 9. Its Not Easy ............................................................................................................................................. 12 10. The Internet Is Your Best Friend ........................................................................................................... 12 11. Rent First ............................................................................................................................................... 13 12. Love At First Sight Can Be Dangerous ................................................................................................... 13 13. No Country Is Perfect ............................................................................................................................ 13 14. No Country Is Like Your Home Country ................................................................................................ 14 15. Seek Tax Advice In The Country Where Youre Planning To Reside Before You Take Up Residence ... 14 16. Listen To Your Gut ................................................................................................................................. 14 17. Be Willing To Accept The Culture Of Your Chosen Country .................................................................. 15 18. Know The Local Laws ............................................................................................................................ 15 19. Learn The Local Lingo (At Least A Little) ............................................................................................... 15 20. If Youre Moving Overseas With A Significant Other ......................................................................... 16 21. Find Out How Your New Neighbors Will View You ............................................................................... 16 22. Dont Think Youre Going To Change Things In Your New Home ........................................................ 16 23. Staying In Touch Can Be Easy And Cheap ............................................................................................. 16 24. You Wont Easily Find A Job Overseas .................................................................................................. 17 3 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
25. Understand Local Health Risks .............................................................................................................. 17 26. The Benefits Of A Second Passport ....................................................................................................... 17 27. How To Obtain Legal Second Citizenship .............................................................................................. 18 28. 6 Things You Must Consider Before Opening A Foreign Corporation .................................................. 19 29. How To Reduce Your Tax Burden 80% Or More Living Overseas ....................................................... 20 30. How To Live Tax-free ............................................................................................................................. 20 31. Assemble Important Documents To Take With You ............................................................................. 20 32. Double Check Expiration Dates ............................................................................................................. 21 33. Consider Registering With Your Embassy ............................................................................................. 21 34. Register For Absentee Voting ............................................................................................................... 21 35. Consider What To Do With Your Current Residence ............................................................................ 21 36. What About The Kids? .......................................................................................................................... 22 37. Assess Your Current Physical Condition (And Be Honest With Yourself) ............................................ 22 . 38. Can You Adjust To New Foods? ............................................................................................................ 23 39. Determine Why You Want To Live Overseas ........................................................................................ 23 40. Reconcile Yourself To Being A Foreigner .............................................................................................. 23 41. Understand How Youll Pay Your Bills ................................................................................................... 24 42. Prepare For Panic .................................................................................................................................. 24 43. Know How Youll Access Your Money ................................................................................................... 25 44. Choosing A Banking Jurisdiction ........................................................................................................... 25
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre 44 Things You Must Know Before You Relocate, Retire, Or Invest Offshore
By Rebecca Tyre
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
In many cases, these Internet policies are not health insurance at all. If you go this route, you often end up paying for something that likely will not help you in case of an emergency. Internet policies may be cheap, but they are also often worthless. Many countries offer local medical insurance policies. These are usually less expensive than an international policy and can be a good option. However, local policies generally cover you only up to the age of 62 (this varies by country). International health insurance policies accept new clients up to the age of 74, and once you are insured, the coverage continues for the rest of your life. When considering an international policy, chose a company with a long track record. If you need to use your insurance one day, you want the company still to be around to provide it. An Essential Care policy with BUPA is often, in our opinion, the best choice. This is an international option that offers top-notch coverage for the best price. A 60-year old will pay US$1,911 per year, or US$159.25 per month. The Essential Care policy comes with a US$5,000 deductible with maximum policy coverage of US$1 million per year. Coverage includes hospital stays (including ICU), diagnostic services, such as X-rays and MRIs, cancer treatment, prescriptions following a hospital stay, air ambulance, and maternity care. When shopping your options, remember, the higher your deductible, the lower your premium.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Second, pay to have the shippers professionally pack your things. Dont think youll save a bit by doing the packing yourself. More than saving a little on the total cost, you want to be sure that your things arrive at their new destination in the same condition that they left their old one.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
1. Panam
Panama offers more than a dozen residency visa options. Most widely known and popular is the Pensionado (or retirement) Visa. To qualify, you need be only 18 years of age or older and to receive a pension (this includes Social Security, an Armed Forces pension, any other government pension, or a private company pension) of at least US$1,000 per month, plus US$250 per month for each dependant. Panamas next most affordable option is the Forestry Investor visa. Technically, you can qualify for this visa by investing as little as US$60,000 in a timber reforestation project of at least 20 hectares. However, in practice, the US$60,000 investment buys you a more complicated version of this visa. If you invest a little more (US$80,000), the process is easier and quicker. The best resource we know for arranging a Forestry Investor visa in Panama is United Nature, which is currently the only group in the country with turn-key US$80,000 visa packages available as of this writing. With this investment, you reside in Panama on renewable, one-year residency visas. For the US$60,000 investment, you must obtain six one-year visas; for the US$80,000 investment, youre required to renew your one-year visa for only three years. At the end of the six- or three- year period, you receive your permanent residency card. To obtain any visa in Panama, youll need a certificate of general health signed by a Panamanian doctor, a clean police record from your last country of residence, and six passport-sized photos. Youll also need to organize a series of potentially maddening visits to the Ministry of Immigration. Our strong recommendation is that you dont try to go this alone. Get help from an attorney experienced at helping foreigners choose from among Panamas many residency optionsand adept at managing the paperwork and red tape.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
We recommend Rainelda Mata-Kelly. Weve worked with Rainelda both professionally and personally for 10 years. She has helped hundreds of foreigners obtain permanent residency in Panama.
2. Uruguay
All thats required to obtain residency in Uruguay is a birth certificate (stamped by the Uruguayan consulate in your country of birth), a clean police record, and proof that you can support yourself. The minimum income requirement is US$6,000 per year. This income can be derived from a pension, a mutual fund, lease income from assets inside or outside of Uruguay, earned income, etc. After five years as a resident of Uruguay (three years if you are married; 12 to 18 months if you are a resident retiree), you can apply for Uruguayan citizenship and acquire a Uruguayan passport. Again, the best idea is to seek professional counsel. Our recommended attorney in Uruguay is Juan Fischer.
3. Belize
Belizes Qualified Retirement Residency (QRP) Program was created to make it as straightforward and as turn-key as possible for people from the United States, Canada, Europe, and the United Kingdom to obtain residency in this country. As long as you provide a clean police record, a medical certificate, and proof that you earn a pension or annuity of at least US$1,000 a month, you qualify for residency. Full details here.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
At the end of the six years, you can apply for citizenship.
5. Ecuador
To obtain residency in Ecuador, you must prove that you receive a pension from your home country of at least US$8,000 per year. You can also gain residency by investing at least US$15,000 in real estate. Once you have been approved for residency, you cannot leave Ecuador for more than six months in any 12-month period. If you do, you lose the visa.
6. Malaysia
The government of Malaysia is promoting a residency program called Malaysia My Second Home. The purpose is to allow foreigners to live in Malaysia on long-stay visas, up to 10 years. All applicants and their dependants must submit medical reports from a private hospital in Malaysia. Approved applicants must also possess valid medical insurance covering their stays in the country. Applicants under the age of 50 are required to open fixed-deposit accounts in Malaysia in the amount of RM300,000 (US$82,144). After the initial year, the participant must maintain an account balance of RM60,000 (US$16,421). Applicants over the age of 50 can choose either to open a fixed-deposit account in Malaysia of RM150,000 (US$41,000) or to show proof of a monthly offshore government pension of at least RM10,000 (US$2,733). In addition, applicants must also prove they have sufficient funds to maintain themselves for the duration of the 10-year visa. Basically, this means showing at least RM500,000 in the bank and a monthly income of RM10,000.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
You need to research this question in the country where youre thinking of taking up residence. Private medical care is expensive in some countries, a bargain in others. It can make sense to purchase an international health insurance policy, and, indeed, some countries require foreign residents to carry international medical insurance. Some countries, including Panama, are emerging as medical tourism destinations. Foreigners are seeking them out for certain kinds of medical care and surgery, including cosmetic surgery, cosmetic dentistry, and even life-saving procedures. Often, doctors practicing in these countries studied in the United States or Europe. One issue concerning medical care overseas is that the biggest obstacle can be just getting to the hospital. In a city such as Panama City or Bangkok, where traffic is a big problem, it can take an hour for an ambulance to reach you. Add to that another hour to get to the hospital. Under these circumstances, its better not to rely on an ambulance for emergency transport to a hospital but to be driven to the hospital by a family member, a police officer, even a stranger.
7. What You Need To Know About Medicare Before You Move Abroad
Medicare does not cover health services you receive outside the United States. As a U.S. citizen residing abroad, therefore, it may not be to your advantage to sign up and pay the premium for Medicare insurance.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
On the other hand, if you do return to the United States at some point and decide to sign up for Medicare, your premium will be 10% higher for each 12-month period you could have been enrolled but were not.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Here are your best options for connecting with fellow expats in Panama, for example: The American Society of Panama (www.amsoc.org) Expats in Panama (www.expatsinpanama.com) The Navy League (www.navyleague-panama.org) The Canadian Association of Panama (www.canapan.org) Charity Expat Socials (www.charityexpatsocials.com)
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
15. Seek Tax Advice In The Country Where Youre Planning To Reside Before You Take Up Residence
Heres the key to dealing with your tax liabilities as an expatriate: Plan ahead. Some of the most appealing opportunities for mitigating your tax burden in another country can be taken off the table once you become physically resident there. Meet with a tax attorney in the country where youre moving well in advance of your move. If youre an American, you also need to meet with a tax attorney or advisor in the States. For, as an American, no matter where you reside, you never lose your tax obligation to Uncle Sam. You need, therefore, good advice on both sides of the equation to understand what taxes you must pay and what taxes you could be exempt from. The best international tax attorney weve found after more than two decades of looking is Chris Rusch.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Then get on a plane. A place can look perfect on paper. Then, within a few days (or even hours) of arriving in person, you realize that its just not for you. Maybe for reasons you cant pin down or articulate. A place will either feel rightor it wont. Pay attention to your gut.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
21. Find Out How Your New Neighbors Will View You
Residents of some countries have negative attitudes toward U.S. citizens, Canadians, or Europeans. You probably want to avoid settling in a country where you will face scowls or snide comments. Speak with other foreign residents to find out how welcome they feel.
22. Dont Think Youre Going To Change Things In Your New Home
Respect the people and the culture of your adopted homeland. Accept the way things are done locally. Dont judge and dont try to effect change. No matter where you wander, your new neighbors have something to teach you. Thinking that youre going to change them, rather than learn from them, will lead only to frustration.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Something else to consider is a time difference between your home country and your new destination. Keeping in touch can be difficult if its 5 p.m. where you are and 4 a.m. where your friends and family live.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Real estate ownership is another reason to acquire a second passport, although this is becoming less of an issue. A specific example is property ownership in Croatia, where foreigners can own real estate only if their country of citizenship allows Croatians to own real estate. Since individual states cant and dont hold treaties with Croatia (or any country), an American will be rejected when applying for title to a piece of Croatian property in is individual name. If you have a second passport, though, you to use your second country of citizenship for the Croatian title application. Another reason to have a second passport is security. Americans, Canadians, and other nationalities, depending on where you are traveling, can be targets for terrorists and face other security issues. If you are traveling to a country that doesnt care for one of the countries where you hold a passport, use your second passport to travel there.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Two countries currently offer citizenship for sale: Dominica (not to be confused with the Dominican Republic) and St. Kitts (half of St. Kitts and Nevis). If you are in a hurry for a second citizenship and have the financial means, these are options.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
29. How To Reduce Your Tax Burden 80% Or More Living Overseas
A U.S. citizen living outside the United States and earning wages for work done outside the United States qualifies for the Foreign Earned Income Exclusion. The exclusion for 2009 is US$87,600. That effectively means you pay no U.S. taxes on up to $87,600 of earned income. You still are required to pay taxes in the United States on other income, including income from dividends and interest. Furthermore, this exemption applies only to your U.S. tax obligation. You may still be liable for taxes in the country where the money was earned. International tax attorney and advisor Chris Rusch explains further here. And here.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Include: a copy of your will (which you should update to reflect any changes brought about by the move); copies of passports for you and all family members; copies of birth and marriage certificates; past medical records; details of vaccinations, what, when, and where; and copies of insurance and bank records. Many of these documents will be required to rent an apartment, to open a bank account, even to have your electricity connected.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
37. Assess Your Current Physical Condition (And Be Honest With Yourself)
Living overseas can present physical challenges that you do not face at home. Crowded streets and buses are common in Caribbean and Latin countries, and the heat can be stifling. Some cities, especially in the undeveloped world, simply cannot accommodate people with physical disabilities. And living outside the major cities anywhere the world presents additional physical challenges and puts you farther away from quick medical care. For example, Panama City, though metropolitan and hip, would be a nightmare of a choice for someone with a walker or in a wheelchair. Few buildings are wheelchair-accessible, and the sidewalks are so crumbled that it can be difficult for an able-bodied person to get around on foot. Quito, Ecuador, for example, sits at 10,000 feet elevation. Not a good choice if you have a heart condition or asthma.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
seek out a place with an established expat community or perhaps a gated community geared toward foreigners.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
The Six Best-Value Destinations for Living and Investing in the World Today
You Can Retire in Style Overseas and Live Better than You Do Now for as Little as $694 a Month
Live well -- including a maid, a gardener, a driver -- all on a Social Security budget Enjoy health insurance for $120 a month or less...or choose to retire to a place where medical care is free... Own your own home in the sun for as little as $120,000 and wake up each morning to the sound of the waves on the sand or the freshness of clean, mountain air
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Dear Reader, In the mornings, Judy Ahern sips a cup of tea, one hip perched on the rail of her open porch, and looks out over the turquoise waters, listening to the tide slosh in. Sometimes horses gallop by on the beach. Often she takes a quick swim. Always she's struck by how lucky she feels. And how alive. "We never imagined we'd be able to afford an island retreat -- let alone one right on a secluded beach," Judy says. "For years we'd check out the real estate when we were on vacation... we looked all over Hawaii and in other places on the water. But it was always too expensive. "Yet here we are today on this Caribbean island, pretty much full-time. We're enjoying the open-air house we had built -- and an incredible quality of life -- for a fraction of what it would cost us anywhere else nearby. "In the States, we couldn't afford it at all." Originally from California and in their 70s today, Judy was a teacher and actress. Her husband, Bill, is still in the airplane-parts business. Back in 2002, they traded in their expensive, traffic-clogged life for a quieter, more affordable one on a lush, mountainous island where sand crabs meander across the roads. You may never have even heard of this place (though it's only a two-hour flight from Houston)... Yet here on the island of Roatan, Judy and Bill have access to solid healthcare... a full dinner of fresh lobster with wine and dessert costs less than $30... they can get homemade cheesecake squares at the local bakery and fresh lettuce, fruits, and veggies at the organic farm... And in this place, $199,000 buys a two-bedroom, two-bath home with a private pool on nearly an acre of land, just a 60-second stroll to a mile-long private beach...
27 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
With $135,000, you could own a luxury condo here with hardwood floors, high-end appliances, a community pool, panoramic vistas from your private deck... and be just five minutes by foot from the shops, restaurants, and groceries in town. "Moving here changed the way we experience life... for the better," Judy told me. "There's a freshness here. A quickening of the senses. "Instead of retreating someplace to retire, we've reached out toward new challenges. "I'm keeping busy as the director of a pre-school that serves underprivileged, working families. And I'm editor of our local island magazine, too. "Sure, living here isn't without its inconveniences. "But it's as if we're looking not at the end of our lives now... but at the beginning of another life altogether!"
"Retirement" doesn't have to be about difficult compromises. It isn't for Judy and Bill. And it doesn't have to be for you, either.
If you're intrigued by Judy and Bill's experience -- whether you're ready for retirement now or planning for the future -- I know you'll be excited about what I have to share with you. Because even though for millions of people "retirement" in the years to come is likely to mean cutting back on pleasures like dining out and on vacations... or, worse, demand downright frugal living... It doesn't have to mean that for you! No matter what the economy does back home, today you can retire overseas in style... live like a movie star on a school teacher's budget... and never outlive your nest egg... If, that is, you know where to go. Around the world are places where you can...
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Live comfortably in a modern, 2600-square-foot apartment with mountain views... on less than $15,000 a year... Enjoy health insurance for $120 a month or less...or choose to retire to a place where medical care is free... Retire in style and employ a maid, a gardener, or even a driver -- all on a Social Security budget... Own your own home in the sun for as little as $120,000... and wake up each morning to the sound of the waves on the sand... or the freshness of clean, mountain air... You see, in the world's best-value places, your dollars simply buy you more. So that you can actually live much better than you ever did at home -- for as little as $22 a day... ...and you'll never have to worry you might out-live your savings.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
And they found it in a safe, welcoming, warm-weather city in Ecuador, where they'd be among the community's wealthiest residents. There they could afford a 5,000-square-foot house, two cars, and a carefree -- even luxurious -- lifestyle that included a housekeeper, dinner out a few times a week, and the time and funds to travel and explore their new corner of the world. Leonard and Jenna are part of what is rapidly becoming a real "movement" among adventuresome (and pragmatic) folks. You might even call it a "Retirement Revolution." And it's something you can easily take advantage of, too. After all, do you really want to cut back or make do at this important stage in your life? Or are you ready for some peace of mind? To know you're set for life. To live not just comfortably... but even extravagantly... and do it on much less than you spend today? Five Good Reasons to Retire Overseas 1. Escape cold winters... and never pick up a snow shovel or scrape a windshield again. 2. Sidestep a recession at home and invest where the prospects for profit are strong. 3. Live better, healthier, and with less stress. 4. Grow your investments tax-free or tax-deferred. 5. Enjoy a Rolls-Royce lifestyle on a Dodge Dart budget... and never outlive your nest egg.
If you're ready to enrich your life in retirement... find new ways to spend your days... discover... explore... grow... Look overseas. You can't afford not to.
You know, maybe it doesn't bother you... but it sure bugs me that all you see in the papers these days are stories about war, politics, and economic catastrophe.
30 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
To be fair, the U.S. is embroiled in Iraq and Afghanistan... in an election year... home prices are falling, the costs for food and fuel have jumped, credit is tight, the stock market is uncertain. (A recent AARP survey reports that one in four people aged 45-54 plans to delay retirement because of the economy.) But the thing is... what you don't get in the papers are reports about attractive alternatives overseas (in Europe, Asia, and Latin America) where people are friendly, crime is almost non-existent, the health care is excellent, and the prices for everything from homes to groceries to doctors' visits would make you think it's 1953 again. That's not really "breaking news," I suppose. But it IS the reality in the places around the world I'd like to show you. Places where you can take that dream you've always had about an open-air home right on the beach... or a hillside retreat tucked into a vineyard... or a cosmopolitan pied-a-terre in vibrant city... ...and you can make it your reality on as little as $1233 a month. (Slash that to $694 a month if you'll own your own home and won't have to pay rent.) No kidding. That's what this "Retirement Revolution" is all about... It's for forward-thinking souls like you who are looking for an alternative to what we traditionally think of as "retirement." It's for people who are ready to enrich their lives, to find new and interesting ways to spend their days... to discover, explore, grow... And to live well on a fraction of what it would cost at home.
I'd like to help you do exactly that. First though, let me introduce myself. My name is Kathleen Peddicord. For 23 years I ran a magazine devoted to living and investing abroad. I'm from Baltimore, Maryland originally. But for
31 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
Find out where to go now from an expert who's been right about the best-value places every one of the past 23 years
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
the last decade, I've lived overseas with my husband and two children -- in Ireland, then Paris, and now Panama. I've traveled to more than 50 countries, invested in real estate in 17, established businesses in 7, and renovated properties in 6. And over the years, I've fostered a truly far-flung network of globally minded colleagues and friends -- people who, like me, are living, investing, and doing business in good-value destinations all around the world. So when a reporter at the New York Times or Money Magazine wants to write a story about the best international destinations for affordable retirement, they call me. I'm a contributor to ABC radio's Expat Show and I've been a guest on Good Morning America. When the AARP is looking for an authority on overseas retirement, I'm the person they talk to. I guess it's fair to say I'm an "expert" in where to retire overseas. And I seem to have a nose for the next, great, up-and-coming retirement hot spot. More than 20 years ago now, I was among the very first retirement advisors to recommend places like San Jose, Costa Rica... San Miguel de Allende, Mexico... and Ambergris Caye, Belize... That was well before the rest of the world caught on to those good-value, welcoming, warm-weather destinations. And while today those places are well-discovered -- and not nearly as affordable as they once where -- the idea of living well for less is just as appealing now as it ever was. Given the current economic climate... it might even be more appealing! Yet as word gets out about a place and it becomes more "mainstream," people go in greater and greater numbers. Demand increases for properties to rent and to own. And as the market heats up, so do prices. The best values eventually fade. But it's just like what happens in big cities around the world where neighborhoods get gentrified and prices rise...then the artists and young hipsters and, increasingly, retirees migrate toward new "frontier" neighborhoods... Well it's the same idea with retirement "frontiers" overseas. There's always
32 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
some community ripe for discovery. Some hidden gem where you can enjoy an incredible quality of life for next to nothing. I make it my mission to know where those places are. And I've just collected my current favorite finds in a SPECIAL REPORT I'd like to send you -- absolutely free...
Get Kathleen Peddicord's top picks for the world's best-value destinations today... yours FREE
It's called Where to Go Overseas: The Six Best-Value Destinations for Living and Investing in the World Today (retail price: $29). In it you'll learn about the smartest places to focus your attention in 2009. Destinations where you can... Own your own vineyard -- five-acres of vines to go with your 2,500square-foot, three-bedroom home with a swimming pool -- all for just $100,000. And in a place where you can have a full-time housekeeper for $350 a month... or enjoy a gourmet meal with fine wines, coffee, and dessert for less than $12 a person... Live a chic "European" lifestyle in a cosmopolitan city where the wines are excellent... caf culture is alive-and-well... and in a stylish neighborhood filled with boutiques and restaurants you can own a small pied-a-terre for a mere $69,500... Enjoy clean, sapphire waters... sandy shores... and picturesque harbors dotted with yachts... This coastal enclave looks and feels like the Cote d'Azur, only you can live here for about half as much as it would cost you in the South of France... Relax with a gorgeous ocean sunset view in a place that's safe, affordable, charming, and tax-friendly. Here $250 a month will pay for a live-in maid... you can rent a three-bedroom home for $600... or own a luxury two-bedroom apartment overlooking a curved expanse of sand for just $86,500. (Plus farther along the coast, a new "hot spot" is just warming up... and you could buy the land to build your dream home on for as little as $.20 a square foot. Yes, that's 20 cents.) Invest for profit in a Latin American country not dependent on the U.S. economy. This nation is probably on your radar screen already -certain regions of it, anyway. But I've uncovered a pocket of opportunity nobody's talking about. What it means for you is that while
33 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
in one popular mountain enclave land sells today for around $4 a square foot... in the nearby community I like (which is, arguably, prettier)... you can still own for less than $1 a square foot. Live like a prince on a poverty-wage pension in "the cultured pearl of the orient." For retirees on a fixed income, this retreat is one of the most affordable destinations in Asia today. In one corner I like, beautiful botanic gardens meet the lovely curves and bright colors of the colonial architecture. It has style. It's friendly. And dinner in a nice restaurant? Less than $10. Where to Go Overseas: The Six Best-Value Destinations for Living and Investing in the World Today is yours -- at no charge -- simply for taking a look at a brand new, and entirely unique, retirement-intelligence service called The Overseas Retirement Letter.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
That way you can decide for yourself whether a place is worth investigating firsthand... or not.
"Sophisticated and Thoughtful... and Therefore More Useful" "I have to say that you seem to dig deeper into the feel of a particular place and to do comparative analysis between alternative places. Your approach is more sophisticated and thoughtful and therefore more useful than that of other e-letters I've read covering these same subjects." -- John W., United States
After all, what's important to you isn't necessarily what's important to the next guy. Everybody's situation is different. Take me, for instance. I'm still young. In good health. And I've got a 9-yearold son. The accessibility and cost of long-term medical care isn't my top, personal priority when I consider overseas destinations for my own family. Right now I'm more concerned about where, in what language, and how well my little guy will be educated. Plus I want to be near an airport since I travel all the time... But that might not be what keeps you up at night... Maybe you're more worried about how close by, how sophisticated, and how affordable a doctor's care is... I can tell you about one place I like where many doctors are U.S.trained... prescriptions typically cost 50% what they do in the States... an overnight stay in a private hospital room will run you less than $40... and you can have your teeth cleaned for less than $30. Fullcoverage medical insurance? About $120 a year. Or maybe what you really dream about is being able to walk barefoot every day on the soft sand of a palm-lined beach...yet you still want to be an easy hop from home so you can get back for your grandchildren's birthdays. In one of my favorite Caribbean islands, the beaches are every bit as white and soft as those of the U.S. Virgin Islands or the Bahamas. But properties are a fraction the price. $89,000 will buy you a onebedroom apartment with a vast veranda in an exclusive complex lush
35 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
with flowers, close to the beach. And from here you can fly direct to the States on discount carriers like Spirit Air and Jet Blue. Perhaps you'd prefer a place where there's spring-like weather year-round, a small and friendly community, and ample opportunity for you to put your life experience and your interests to good use locally... In one place I can think of that fits that bill... the weather is cool so you need no air conditioning. The land is lush with orchids. The hills rise to forests where clear rivers run and waterfalls tumble. And here you could buy a lot and build a tidy house for less than $150,000. Not Your Parents' Retirement This word "retirement" has nothing to do with checking out or taking it easy. Unless you want it to. In the places I'd like to introduce you to, sure, you could improve your golf swing or join a bridge club... you could spend your days lazing in a hammock beneath the banyan trees. And no one would think any less of you. But if you're not ready to take up a position on the sidelines of life, don't worry. That's not what I'm suggesting. The ideas of retirement I'm talking about work for the 30-yearold as well as anyone twice that age... or older. That's because it is easier today than ever before to live, travel, invest, and retire as best suits your personal agenda. The world is alive with opportunities for fun and for profit, no matter what your age. I'd like to steer you to the ones that make the most sense for you.
The good news is: There's a good-value community for everyone. It's just a matter of finding the right fit.
Your good-value escape exists. With The Overseas Retirement Letter I'll help you find it. Quickly and easily. It'll save you time, trouble, and money, too.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
(Just think about it: If you decided to traipse to every destination that could possibly make sense for you, you'd spend thousands of dollars a month in travel expenses alone. You'd be at it for years. And there's no telling if you'd get the straight story, either.) With The Overseas Retirement Letter I and my seasoned team of experts and expats will do all the important legwork for you. Every month, you'll get an honest and comprehensive assessment about a place worth retiring to today (or maybe investing in now and living in ten years from now) -- including both the pros and cons. You'll get proven recommendations for everything from health insurance to mortgages to keeping in touch from afar. And timely ideas about ways you can protect and grow your nest egg overseas.
Including real-world stories from folks who have found their own perfect haven... and retired in style on a budget overseas
I'll also bring you stories in The Overseas Retirement Letter directly from folks who have already done what you're thinking about doing. People who have traded an uncertain quality of life at home for a new, more affordable adventure overseas. People like Jay and Elsie Snyder, for instance. For 40 years, they owned a successful inn in rural Vermont, a sprawling, red, 1810 farmhouse with 18 guest rooms. They were ready to retire. But not to sit and do nothing. They wanted to work less. Enjoy more. Only they could see -- even with the sale of the inn -- that they wouldn't be able to sustain the comfortable lifestyle they'd always envisioned for themselves in retirement. They weren't looking for jet-set extravagance. But they did want the freedom to travel, to eat out, to relax, to not worry about health-care expenses bankrupting them.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
So they began to look beyond our borders... to places where they could "retire rich" on a middle-class budget. They landed in Granada, Nicaragua... a vibrant, colonial-era town with cobbled streets and colorful homes. (Not unlike those now well-discovered havens of San Miguel de Allende in Mexico or Antigua in Guatemala.) Now, here's where their story gets interesting. They could have simply bought a colonial-era villa and renovated it, just as other "retirees" from the States, Canada, Spain, France, and elsewhere have done. But instead, they bought an empty lot in the center of town and on it built a beautiful community of nine condominiums that fit in perfectly with the surroundings. They're selling them to other "overseas retirees" who, like them, are looking for a better lifestyle in a welcoming, good-value destination. In essence, Jay and Elsie are building their own mini-community of likeminded folks ready to trade recession-era skimping for the affordable comforts they can enjoy overseas. Already they've recouped their investment -- even though they have a handful of units still to sell. (Those will produce pure profit.) And today they divide their time as they like between the States and Nicaragua. When they're at their place in Granada, they have their choice of excellent restaurants -- Spanish, German, and Italian among them -- where the two can eat dinner, including wine and dessert, for $20 or less. See a first-run movie for $3. They can take care of their annual physicals with an Americantrained doctor for just $30 or have their teeth cleaned for just $17. When I asked Jay about whether they'd do it all over again, he told me: "It's been one of the most satisfying experiences of my life." He said... "I don't have a solution to the problems facing Americans right now. It's too frustrating to contemplate. I do feel, though, I've found an alternative that works for me and that could work for many, many others, as well.
38 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
"It's tempting to continue living the way you've been living. It's easy... and it can be very frightening to think about creating a whole new life for yourself in a foreign place. "But that fear can keep us from acting on chances for fun, for adventure, and for possible profit. "All I can tell you now is that I'm thrilled... it has been one of the most satisfying experiences of my life." "Immediate Info... No Bull" "...just a thank you for the immediate info without all the bull." -- Tom F.
Nearly half a million people already receive their Social Security checks abroad. Now you can benefit from the secrets they've learned.
I include stories like Jay and Elsie's in The Overseas Retirement Letter for two reasons: 1) It's important to remember that real people like you -- school teachers, dentists, accountants, attorneys, consultants, office managers, doctors, sales reps, small business owners -- are already doing what you're thinking about. And doing it successfully. Because I promise you: You'll have family and friends who think you've lost your marbles. I know mine did! But the truth is: A whopping 441,000 people already receive their Social Security checks at an address abroad. And the real numbers of people living well and enjoying life overseas -- at least part of the year -- is likely much higher. (Some, like me, aren't of "retirement age." And others simply have their Social Security checks direct-deposited at home.) So I like stories like Jay and Elsie's because they can open your eyes to possibilities you might never have even thought about before. And the world is full of inspiring, life-improving, money-saving, and moneymaking possibilities. In The Overseas Retirement Letter, I'll bring them to you.
39 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
2) Plus there's nothing more welcome when you're starting out in a new place than a little "been there, done that" advice. And that's exactly what The Overseas Retirement Letter delivers each month. It plugs you in to my vast network of contacts -- both the "experts" and the "regular folks" -- in the best-value destinations all over the world. So you'll have somebody you can email with a question... a contact who can spare you all kinds of frustration, wasted time, and unnecessary expense. In fact, that kind of on-the-ground intelligence is so invaluable, that I've created an entire volume to tell you the most important things you need to know before, during, and after a move. You'll find the advice in it useful whether you're looking for a full-time retirement haven... a refuge you can escape to a few weeks or months a year... a sanctuary you could invest in now and keep to use later in life... or a straightforward way to park some cash in a positive-trending market well outside the U.S....
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
You may be covered already for international evacuation insurance... and not realize it. I'll tell you who to call to find out. This could save you hundreds, even thousands of dollars. Three reliable resources for finding helpful expatriates who already live in the places you're considering... folks who've said they're willing to answer your questions and share their own experiences and advice. Why it makes smart sense to keep a "virtual" address back at home (whether that's the U.S., Canada, or elsewhere) ...and how to get one. It's not complicated at all. In fact, you can arrange the whole thing with a five-minute phone call. What to do about insurance while you travel... and why you need to make sure you do it... before you leave home. Forget this and you could pay dearly. How to use your new home overseas to lighten your tax burden... A critical question to ask before you become a renter... neglect this and you could find yourself with a big bill you hadn't counted on. Two "live overseas" costs many people neglect to calculate. Save yourself the surprise invoice... and find out what they are. The most time-saving and cost-effective way to get cash when you're overseas. Why focusing on your assets -- and not your income -- can help provide you a sense of confidence and control as you start "anew" overseas. Find out the formula for doing it -- something you won't find anyplace else -- and get some instant peace of mind. No matter where in the world you settle, this one $21.60 expenditure can save you not only hundreds of dollars when you're on the ground... but days (if not weeks) worth of bureaucratic hassle. How to organize your belongings for a move. You'll be amazed at how the right pre-planning can make everything run like clockwork. A critical "box to check" before you enroll your child in a school overseas. Take this precaution, and your kids will be thanking you all the way to college! Many countries require health certification for your pet, even quarantine in some places. But there's a reliable resource that lays out
41 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
for you which countries require what. Know the rules, and you'll be sure to have your pet home with you with the least amount of fuss. When it comes to buying real estate overseas, know this one simple key to having more bargaining power than the seller does... and you'll have the upper hand. It might look like a regular, first world bathroom to you (just like at home). But don't be shocked if one critical thing is missing. You won't know if you don't know to check. I'll tell you the two-second test... Plus 83 more real-world tips to save you time, money, and frustration overseas and ensure your transition abroad is smooth and enjoyable...
How You Can Retire on $694 per Month... Or Even Less In one excellent-value community I like in Latin America, the graceful curves and painted colonial facades give a prosperous, old world feel. You can eat out at fine restaurants.. enjoy the theater, orchestra, and plenty of festivals and celebrations. The population is about 400,000, which makes it big enough that you can find what you need, but small enough that you know how to get around and get things done. Here people know and remember you, which makes it easy to feel at home and part of the community. You don't need a car. Public transportation is great -- taxis are about $1.50. And rental cars are easily available when you're ready to explore the country off the beaten trail. The expat community is small, but large enough so that there's always someone you can get together with for company. Assuming you'll own your own apartment or home and won't have a monthly payment, $694 should cover your everyday expenses. Here's how: Rent HOA Property Taxes Car Costs Auto Insurance $0 $0 $21 $0 $0 . . Based on a large house in town . .
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Transportation Gas Electricity Telephone Internet Cable TV Household help once a week Food Entertainment Homeowner's Insurance TOTAL
. Used for hot water and cooking . . . . Allow $200 if a full-time maid is required . Orchestra, theater, and cultural activities are usually free If you are in a house, I'd suggest insurance, about $54 monthly .
What if you'd rent? $450 a month will get you a new, modern, fifthfloor apartment of about 2600 square feet with views of the downtown and, in the distance, mountains. The building I'm thinking of has a doorman, groundskeepers, a huge personal storage room, and underground parking. But you could LIVE FOR LESS! You could rent a "local"-style apartment for about $100 per month. This would get you roughly 650 square feet in an older building. And that would still keep your cost-ofliving, including housing, to less than $800 a month.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Ways you can cultivate a portable trade... and fund your new life overseas in a few hours a day from your beachfront deck... or the den in your mountaintop chalet... or the front verandah of your vineyard estate... "Opportunity Hot Spots" to watch around the world... where changes in infrastructure, or government incentives, or economic circumstances, or global trends are creating smart investment opportunities for the people who notice. I'm paying attention so you don't have to. And I'll make sure you know when the stars are aligned for early-in investors. Right now, for instance, I've got my eye on the northeastern coast of the Dominican Republic. Trump's got Cap Cana, in the east, in his sights. But I believe the north will boom on Cap Cana's coattails... and in The Overseas Retirement Letter I'll show you how you can position yourself for profit... Extraordinary communities for good-value living all over the planet... places you simply won't read about anywhere else. I have one in mind. It's a seaside town in Uruguay with a high-end, Bohemian feel to it. It's clean, well-maintained, safe. You can dine at local, waterfront seafood restaurants or choose Italian or sushi. You can even get high tea in the afternoon. The galleries and boutiques will satisfy the shopper in you. Yet for all its great attributes, you can still buy a home there for between $50,000 and $150,000... How much money you really need for an overseas retirement... and how to invest and spend along the way. You can go to Yahoo's finance site and others like it on the web, and they'll help you -- in a very generic way -- calculate things like "if x and if y... then this is how much money you'll have when you're 90." But I realize your questions about funding a retirement overseas aren't generic at all. So you'll find in The Overseas Retirement Letter a much more specific and personalized approach. We'll talk about preserving your financial health abroad... and about how to find and take best advantage of profit opportunities overseas that the folks
44 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
"Interesting and Timely... Inside Knowledge" "I read each one and always pick up some interesting and timely piece of inside knowledge." -- Robert C., Spain
Try The Overseas Retirement Letter -- risk-free -- today and receive 4 Special Reports ($106 value), no charge
You'll find all that -- and much more -- every month in The Overseas Retirement Letter. You know, if you paid a financial advisor $1 a day ($365 over the course of a year) to get the kind of up-to-the-minute, on-the-ground advice and insider guidance you'll find in The Overseas Retirement Letter, that investment would be worth every penny... and then some. I mean, just think about it: $365 for somebody to show you where to go and how to structure your life so that you could have things like a home on a palm-lined beach with a full-time maid and cook, a gardener... enough leftover income to dine out and go to the movies... plenty on hand to spend on travel and extras. And the whole lifestyle yours -- free-and-clear -- on less than $20,000 a year... But you don't have to pay anywhere near $365 to receive a whole year's worth of exactly that kind of life-changing intelligence. Because right now you can get it in 12 monthly issues of The Overseas Retirement Letter -- for just $36 today (regular rate $76). You save $40 with this special introductory offer. And I'll also send you at no charge... SPECIAL REPORT # 1: Where to Go Overseas: The Six BestValue Destinations for Living and Investing in the World Today (retail price: $29). Yours free today. SPECIAL REPORT # 2: Join the Retirement Revolution: 101 Tips for Retiring Happy and Living Well Overseas (retail price: $29). Yours free today.
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
A handful of countries, intent on both attracting tourists and encouraging small-businesses, offer amazing incentives for entrepreneurial folks willing to cater to visitors. I'll show you one easy way to cash in on giveaways like no income tax for ten years... or no real estate tax for 20. And don't worry: I'm not suggesting you open a dive shop or build a spa. This is something you can do right from home. And more easy, no-experience-necessary secrets to funding your dream life overseas...
Plus here's a FREE gift... just for ordering in the next seven days!
Because I know that if you're interested in living overseas, chances are you like to travel... I've created a fourth SPECIAL REPORT I'd like to send you... SPECIAL REPORT # 4: Travel Tricks for 2009: How to Travel Better but Pay Less (retail price $19). Yours free when you agree to take a risk-free look at The Overseas Retirement Letter within the next seven days. With airlines the world over trimming their flight schedules and increasing their surcharges, travel is becoming ever-more challenging. Long gone are the days of being pampered en route. In fact, I just read that one airline has taken potable water off its flights. Yikes. But travel doesn't have to be so grim. If you know the right strategies, you can still make your travel dollars stretch... and guarantee not just comfortable, but wonderfully rich travel experiences, no matter where in the world your heart takes you... How to choose a credit card that rewards you in airline miles... and whether or not it's worth your while to even have one. How to shave off half the cost of a plane ticket (maybe more)... avoid the security lines... and travel in real style (think: champagne served)... and no, I'm not suggesting you take the train... How to find five-star deals at three-star prices... with one quick Internet search... And lots more easy-to-do tips to transform the way you experience the world...
47 Copyright 2009 Live and Invest Overseas| www.liveandinvestoverseas.com
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
Travel Tricks for 2009: How to Travel Better but Pay Less (retail price $19) is yours FREE when you agree to take a look at The Overseas Retirement Letter now, within the next seven days.
"I look forward to reading" "Keep up the great work... I honestly look forward to reading the succinct info you provide to potential expats..." -- Dan G., United States
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
That's how certain I am that you'll love it. You can't lose. And all the risk is mine. "The best time we've ever had in our lives" "We're having the best time we've ever had in our lives. Bill and I are thrilled with our purchase of oceanfront... Gosh, what a place... people who are immediate friends, ever-present adventure, beauty around every turn, and a feeling of being in a place few are privileged to find." -- Judy and Bill Ahern, Retired Overseas
Why wait?
You know, I think a lot of folks with retirement on the horizon are feeling paralyzed. Maybe you are, too. It's understandable. You're likely to live longer. Spend way more on healthcare than you could have ever imagined. And, in today's economy, earn far less on your investments than you probably hoped for. So what do you do? Lots of folks will simply sit numbly by and hope for the best. But you have way more control of your future than you may think. Simply look beyond your borders. I'll show you where. Because you'll find in the world's best-value locales the promise of good, healthy living... a quality of life twice as good as what you're used to, for half the price... and days filled with excitement, interest, and adventure... If you're ready to join the new "Retirement Revolution" and ensure you never outlive your nest egg... I'd like to show you how in The Overseas Retirement Letter. Go here now to get your deep discount and Special Reports, free: Sincerely,
44 THINGS YOU MUST KNOW BEFORE YOU LIVE, RETIRE, OR INVEST OVERSEAS
By Rebecca Tyre
"No matter how busy I am, I find time for your newsletter" "In a horribly busy world and corporate pressures I find that your newsletter is most informative and a wealth of very interesting and thought provoking information of which I hope to make use of in the near future. No matter how busy I am I find the time to make sure to read your newsletter... keep up the great work!" -- John M.
P.S. There's one more benefit that comes with The Overseas Retirement Letter that I haven't mentioned yet. When you become a reader, I'll also send you -- at no charge -- my daily Overseas Opportunity Letter. Dispatched by email, this is where I'll give you alerts, talk about my latest discoveries, pass along intelligence from my contacts around the world, and bring you the up-to-the-minute insights you need to take advantage of opportunities fast. Some things just can't wait for the next month's issue to roll around. And this gives me a way to pass those opportunities along to you in real time. As I say, there's no charge for this. I'll send it automatically, with my compliments, when you subscribe to The Overseas Retirement Letter today.
P.P.S. In The Overseas Retirement Letter you'll discover what nearly half a million retirees overseas already know: In the right destinations, the values are great. The lifestyle is extraordinary. And you can stop worrying about how you'll pay for life... and start enjoying it, instead. For my top picks of the best-value places to live and invest overseas today - and a deep discount -- go here now...