Protect Yourself & Your Family’s

The Secret To Your Success In 2012 And Beyond

Jan. 6, 2012, Santa Fe, New Mexico: The secret to your personal and financial success in 2012 and beyond is planting your five flags offshore as soon as possible.

Dear Live and Invest Overseas Reader,

Here's my best advice for this New Year: Whatever flags you're planning to plant offshore, plant them sooner rather than later.

Last week, a client wrote to tell me he was in St. Kitts trying to decide which of their two economic citizenship options to apply for. He had made this trip, between Christmas and New Year's, because the St. Kitts government had decided to increase the costs of its economic citizenship program as of Jan. 1, 2012. The powers that be on this island nation gave very little notice about the planned increase, having made the decision in September or October.

The offshore world is an ever-moving target. Governments change the rules of the game regularly. Residency and citizenship options, requirements, benefits, restrictions, etc., change often. Panama made wholesale changes in 2008 that had people clamoring to get in before the new rules took effect.

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Global Investing Predictions For 2012

At Least You Won’t Likely Get Bit By A Cobra—And Other Predictions For The Year Ahead

Jan. 5, 2012, Santa Fe, New Mexico: Here’s what Retirement Planning Correspondent Paul Terhorst predicts lies ahead for the offshore investor in 2012.

Dear Live and Invest Overseas Reader,

"A few weeks ago," writes Retirement Planning Correspondent Paul Terhorst, "three friends and I went to look at birds in northern Argentina's jungle, near the Brazilian border. We stayed at a cabin in a nature reserve. One of the young workers there, Jorge, noticed my accent.

"'You're not from here,' he remarked.

"I said, in Spanish, 'I'm from the United States. California. Ever heard of it?'

"He shrugged. 'I'm not really up on that kind of stuff. Is there a jungle in California?'

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How Much It Cost To Retire Overseas

How To Figure A Budget For Your New Life Overseas

 Jan. 4, 2012, Santa Fe, New Mexico: Here are the expenses that any retire overseas budget should include.

Dear Live and Invest Overseas Reader,

How much will it cost you to live in the overseas Shangri-la that's calling your name?

The bulk of any budget is given over to housing--rent or a mortgage, if you have one--so start here. Are you going to rent or to buy?

I strongly recommend that you rent at least at first, for 6 to 12 months, to give yourself a chance to try the place on for size before committing. However, if you do eventually decide to invest in a home of your own, recognize that property ownership comes with carrying costs. As a home-owner, you'll have maintenance and repair costs, insurance, in some places property taxes, maybe grounds-keeping, etc. As a renter, you have none of these liabilities, which is why renting long term can make a lot of sense for the retiree abroad.

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How To Retire Overseas

How To Retire Sooner Than Never

Jan. 3, 2012, Santa Fe, New Mexico: If you wait to reach some preconceived level of net worth or income before retiring, you’ll never retire. Instead, figure how much money you have right now for retirement and then identify the places where that retirement budget will buy you the retirement lifestyle you’re looking for.

Dear Live and Invest Overseas Reader,

"My 40-year-old friend Bill told me that he believes he needs US$5 million to retire," writes Overseas Retirement Planning Guru Paul Terhorst.

"'Part of that will be equity in my home,' my friend explained. 'But I'd like to have US$4 million invested. With today's low interest rates, even with US$4 million I'll barely have enough to live.'

"Bill figures that, even if he can earn 5% on his US$4 million stash--tough to do these days--that's still only US$200,000 a year. If he pays half that in taxes, he'll have to live on US$100,000 a year, in an expensive house, in the fast lane he's used to. Also tough to do.

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How To Retire Overseas

When Is The Right Time To Retire Overseas? Right Now!

Jan. 2, 2012, Santa Fe, New Mexico

Dear Live and Invest Overseas Reader,

"When is the right time for you to retire and move abroad?" asks Overseas Retirement Planning Guru Paul Terhorst.

"Right now.

"Okay, I don't know you personally, but I know some things about you. You've likely traveled overseas, and you've got good reasons for thinking you'd like to relocate beyond your own borders. You've likely even already created a short list of places where you think you might want to spend time.

"So what are you waiting for? I figure you should go for it, sooner rather than later. Why? Because odds are, your retirement will work out fine. In the past 25 years, I've heard from literally hundreds of people who've moved overseas, many in their 40s and 50s. I wrote 'Cashing In on the American Dream: How to Retire at 35,' a hard-cover business bestseller in 1988. I got hundreds of letters then and still get e-mails today. I hear the stories, the investments, the choices these people made.

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Kathleen Peddicord

Kathleen Peddicord is the founder of the Live and Invest Overseas publishing group. With more than 25 years experience covering this beat, Kathleen reports daily on current opportunities for living, retiring, and investing overseas in her free e-letter.

Her book, How To Retire Overseas—Everything You Need To Know To Live Well Abroad For Less, was recently released by Penguin Books.

Read more here.

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