Live and Invest Overseas http://www.liveandinvestoverseas.com Our Expertise Unlocks The World Fri, 29 May 2015 01:27:36 +0000 en-US hourly 1 http://wordpress.org/?v=4.2.2 Best Places To Retire Overseas To Play Golf http://www.liveandinvestoverseas.com/retirement-living/best-places-to-retire-overseas-to-play-golf.html http://www.liveandinvestoverseas.com/retirement-living/best-places-to-retire-overseas-to-play-golf.html#comments Thu, 28 May 2015 12:50:49 +0000 http://www.liveandinvestoverseas.com/?p=10346 World’s Top Retirement Havens For Golfers Panama City, Panama Searching for the overseas retirement haven with your name on it but can’t imagine retiring without golf? Here are 10 great places to retire overseas if golf is a priority. #10: Nejapa Country Club, Nicaragua   Nicaragua is one of the world’s most affordable places to [...]

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World’s Top Retirement Havens For Golfers

Panama City, Panama

Searching for the overseas retirement haven with your name on it but can’t imagine retiring without golf? Here are 10 great places to retire overseas if golf is a priority.

#10: Nejapa Country Club, Nicaragua

 

Nejapa Country Club, Nicaragua

Nicaragua is one of the world’s most affordable places to retire well, a land of sunshine and crashing Pacific surf that also boasts the oldest city in the Americas, colonial Granada, home today to one of the world’s biggest and most established communities of expat retirees. Nicaragua is also friendly, safe, and welcoming, offering a competitive retiree residency program that you can qualify for with retirement income of as little as US$600 per month.

The par-72 course at Nicaragua’s Nejapa Country Club, with its gentle bunkers and lush vegetation, has survived an earthquake and a revolution and today offers golfers a peaceful and beautiful day out. Come prepared, though, for the humidity.

#9: Verdura Resort, Sciacca, Italy

 

Verdura Resort, Sciacca, Italy

For many, Italy offers the ultimate dream retirement lifestyle. La dolce vita can be hard to beat, particularly when you bundle it with one of the world’s best golf courses. At Sicily’s fashionable Verdura Resort, you have access to not one but three links courses. With fabulous views of the ocean and this region’s year-round warm weather, the Kyle Phillips-designed courses are among the most appealing in Europe. The resort also offers a double-ended driving range and PGA-qualified pros.

#8: Quinta do Lago, Algarve, Portugal

 

Quinta do Lago, Algarve, Portugal

Portugal’s Algarve receives top marks in every category of importance to the would-be retiree, from cost of living to climate, from infrastructure to residency options. In addition, this region is dense with golf courses, including Quinta do Lago. With three award-winning championship golf courses—the North, South, and Laranjal—excellent practice facilities, and the only Paul McGinley Academy in Europe, Qinta do Lago makes this corner of Portugal a golfer’s dream retirement choice.

#7: The Bluffs, Vung Tau, Vietnam

 

The Bluffs, Vung Tau, Vietnam

Vietnam is one of the most affordable places in the world to live and an emerging retirement haven. It may not seem an obvious choice for golfers, but the Bluffs in Vung Tau, a coastal links-style course designed by legendary Australian golfer Greg Norman, makes the most of a stunning location and features huge sand hills, native vegetation, and dramatic ocean views. Most days, this is a windswept spot, but that extra challenge is proving popular among golfers from Asia and around the world.

#6: Thai Country Club, Bangkok, Thailand

 

Thai Country Club, Bangkok, Thailand

Thailand, another top affordable retirement haven that’s also earning a name as a medical tourism destination, is also a golfing mecca. Among this country’s top golfing options is the Thai Country Club course, located a 45-minute drive from Bangkok. Designed by Denis Griffiths, the former president of the American Society of Golf Course Architects, the course is a par-72, 18-hole layout with numerous water hazards and bunkers that is regularly voted among the top five places to golf in Asia.

#5: Chapelco, Patagonia, Argentina

Chapelco, Patagonia, Argentina

Argentina is a big, beautiful country that makes for a great retirement choice for anyone looking for an active, outdoors lifestyle. In its Patagonia region, set in parkland with lakes and winding streams and surrounded by the Andean mountains, is the Chapelco golf course, one of the country’s and the world’s finest. The par-72 course, designed by golfing icon Jack Nicklaus and his son Jack Nicklaus II, features 73 starting tees and 65 bunkers.

#4: The Dunes, Cabo San Lucas, Mexico

The Dunes, Cabo San Lucas, Mexico

Mexico is the original retire overseas destination, appealing for its weather, its cost of living, and its accessibility from the United States. In Cabo San Lucas, at El Diamante, is the golf course The Dunes, designed by Davis Love III, the American pro with 20 PGA wins under his belt. The Dunes, at 7,300 yards from the back tees, is a challenging course set on the Pacific side of the Baja Peninsula and rated among the best in the world.

#3: Morfontaine, Paris, France

Morfontaine, Paris, France

Paris is the world’s most beautiful, most romantic city and a top choice for a cosmopolitan lifestyle in retirement. Furthermore, retiring to Paris doesn’t have to mean giving up your love of golf. The historic Morfontaine course outside Paris boasts 27 holes—a 9-hole course built in 1911 and known as Valliere and an 18-hole championship course built in 1927. Commissioned by the Duc du Gramont and designed by Englishman Tom Simpson, Morfontaine Championship is a 6,545-yard, par-70 course punctuated by towering Scotch pines.

#2: Teeth of the Dog, Casa de Campo, Dominican Republic

 

Teeth of the Dog, Casa de Campo, Dominican Republic

The Dominican Republic is a top choice for retirement in the Caribbean, with long white-sand beaches, easy retiree residency, and super-affordable beachfront property options. This sunny, sandy Caribbean island nation is also home to the butterfly-routed Teeth of the Dog golf course, designed in the early 1970s by Pete Dye and his wife Alice. The course adheres more to the natural contours of the land than Dye’s usual designs—probably because of the underlying coral rock—however, some tees are built on manmade pedestals. Occasional trade winds add an extra level of difficulty.

#1: Ballybunion Golf Club, Ireland

Ballybunion Golf Club. Ireland

Ireland offers a relaxed, friendly lifestyle and an English-speaking population that welcomes foreigners, making it a top choice for retirement. It’s also one of the world’s best golfing havens. The course at Ballybunion, dating to 1893, is perhaps the country’s most famous. The wild beauty, 100-foot dunes, and unpredictable weather make Ballybunion exciting and challenging. Head to the 19th hole at the end of the day to sample the famous Irish hospitality.

Rebecca Adams

Editor’s Note: This year’s Retire Overseas Conference in Orlando, Florida, will highlight every country on this list plus 11 others.

This will be the biggest and best retire overseas event of the year. Places are filling so quickly that it’s looking as though this conference will sell out. To make sure you have a place in the room with us in September, register here now.

Continue Reading: Live And Invest In The Dominican Republic Conference In Santo Domingo

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Live And Invest In The Dominican Republic Conference In Santo Domingo http://www.liveandinvestoverseas.com/mailbag/live-and-invest-in-the-dominican-republic-conference-in-santo-domingo.html http://www.liveandinvestoverseas.com/mailbag/live-and-invest-in-the-dominican-republic-conference-in-santo-domingo.html#comments Thu, 28 May 2015 12:00:57 +0000 http://www.liveandinvestoverseas.com/?p=10347 “Kathleen, I am interested in the Samana area of the Dominican Republic but could not make your June 10 conference. Could you send me a report and testimonies on this area? “I am interested in a winter stay of approximately three months only. No thoughts of retiring year-round away from Canada yet. I would be [...]

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“Kathleen, I am interested in the Samana area of the Dominican Republic but could not make your June 10 conference. Could you send me a report and testimonies on this area?

“I am interested in a winter stay of approximately three months only. No thoughts of retiring year-round away from Canada yet. I would be with my girlfriend and could afford US$2,000 monthly.”

–Paul C., Canada

Sorry you can’t make it to next month’s Dominican Republic event. Your part-year retirement plan sounds great, and you’ll do well in Samana with a budget of US$2,000 per month.

We’ll be recording every presentation over the two-and-a-half days of this Live and Invest in the Dominican Republic Conference and offering the collection of recordings as part of our Live and Invest in the Dominican Republic Conference Kit, which will be available for a pre-release discount while the event is taking place.

It won’t be as much fun as being there in person (our correspondents on the ground promise salsa dancing and other special activities), but the conference kit will give you access to all the information shared during the live event.

Heads up to anyone else interested in living, retiring, or investing in real estate in the Caribbean. The Dominican Republic is our top choice for this right now, and you still have time to join us in person in Santo Domingo June 10–12. Get in touch here.

Continue Reading: Best Places To Retire Overseas To Play Golf

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Retire Overseas Conference Helps This Couple Realize Their Retirement Dreams In Medellín, Colombia http://www.liveandinvestoverseas.com/how-to/retire-overseas-conference-helps-this-couple-realize-their-retirement-dreams-in-medellin-colombia.html http://www.liveandinvestoverseas.com/how-to/retire-overseas-conference-helps-this-couple-realize-their-retirement-dreams-in-medellin-colombia.html#comments Wed, 27 May 2015 12:30:25 +0000 http://www.liveandinvestoverseas.com/?p=10342 “Everything We Hoped For And Better Than We Expected”—Wendy And Darren’s Dream Retirement Overseas Medellín, Colombia Five years ago, Wendy and Darren Howarter attended our first Retire Overseas Conference in Orlando, Florida. That event launched them on a track that has led them today to… Well, I’ll let Wendy tell you in her own words: [...]

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“Everything We Hoped For And Better Than We Expected”—Wendy And Darren’s Dream Retirement Overseas

Medellín, Colombia

Five years ago, Wendy and Darren Howarter attended our first Retire Overseas Conference in Orlando, Florida. That event launched them on a track that has led them today to…

Well, I’ll let Wendy tell you in her own words:

Dear Overseas Opportunity Letter Reader,

“I get two weeks of vacation a year from my stressful job, and you want me to spend one of those weeks in a hotel meeting room at a conference in Orlando?”

That was my response to my husband Darren five years ago when he suggested we should fly to Florida for the Live and Invest Overseas Retire Overseas Conference.

At that point in my career, I had been practicing law (mostly contentious divorce and custody cases) for almost 20 years, and I was burned out. I cherished my vacation time, lounging on a beach or traveling through Europe or the Caribbean. Sitting in a hotel conference room and listening to people talk about their adventures overseas was the last thing I wanted to do with any of my precious vacation days.

I was 43, resigned to working 50 to 60 hours per week at a job I no longer enjoyed until retirement age—whenever that might be. Darren was relentless, though, and, finally, begrudgingly, I agreed to attend the conference.

What I hadn’t realized yet was that the Retire Overseas Conference was exactly where I needed to be at that time in my life.

Before the conference, we started thinking about country options. Originally, we narrowed our search to three—Belize, Ecuador, and Costa Rica. Then, bright and early on the first morning of the conference, Kathleen Peddicord greeted the crowd of adventurers. She briefly discussed each of the countries being featured, including one that was completely off our radar, Colombia, but what Kathleen said about Medellín got our attention.

We attended as many sessions as we could, even splitting up to get more information from different presentations. We called it our divide and conquer strategy. We spoke to as many experts and expats as we could. We were determined to soak up all the available knowledge we could over those two-and-a-half days.

By the end of the third day, returning to our hotel room, we were exhausted, and our brains were full of facts, opinions, photos, and stories to digest. However, we were certain about two things. First, Costa Rica was off our short list and Colombia was on.

Second, and more important, I was now fully on board with the plan to “retire” early and make a move overseas as soon as possible.

Our next step was to attend LIOS conferences in each of the three countries we were considering, to get our “boots on the ground” in each location.

We decided that the best way to get a feel for each place would be to spend time living like a local. So, after attending each in-country conference, we booked an apartment and spent at least a week doing the things the natives do. We shopped at grocery stores and markets, we cooked our own meals, and we walked the streets and neighborhoods as much as we could, to see what living in each place would be like as opposed to just visiting.

Initially, my retirement daydream featured a romantic lifestyle on a Caribbean island, swinging from a hammock and sipping margaritas while watching the sunset. Our first overseas LIOS conference was in Belize. Following the event, we booked an apartment on Ambergris Caye for the next week. Belize and especially San Pedro Town on Ambergris are lovely places to visit, and we had a great time on that trip, but, at the end of our stay, we agreed that Belize was not the place where we wanted to hang our hammock. We were disappointed, but we still had two other countries to visit.

The next conference was in Medellín, Colombia. I was unable to make the trip due to work conflicts, so Darren went alone. His job was to attend the conference and soak up as much information and make as many contacts as possible. Then he would scout the location and report back. We agreed that, if he didn’t like the city, we wouldn’t waste time or money planning a return trip for me to check it out. Within 48 hours of his return, we had booked a two-week trip back to Medellín a couple of months later. That’s how sold Darren was on the place.

After our extended stay in this gorgeous city, we were both in love with Medellín. But we still had one more location on our list, and we decided to carry through with our plan and experience our third choice before making a final decision.

Our last conference was in Ecuador. We focused our interest on Cuenca because of the amazing things we had heard and read about this expat haven, including the low cost of living. After the conference in Guayaquil, we took the harrowing, I-think-my-life-passed-before-my-eyes, four-hour van ride through the Andes to Cuenca. We agreed that Cuenca, like Ambergris, could be a nice place to live, but, when we made the comparison to Medellín, there was no comparison. Our decision was made. We were moving to Colombia.

Now we just had to break the news to our families, sell everything, and quit our jobs… which we did.

Fast forward to today and here we are, at home in Medellín. We’re enjoying a semiretirement lifestyle years before I imagined we’d be able to and a standard of living we wouldn’t be able to afford otherwise. We are in love with this city and proud of ourselves for having taken what at times seemed like a crazy leap.

Casa Provenza sits in the heart of Medellin's  restaurant and nightlife district

It all started with the Retire Overseas Conference in Orlando, where we met incredibly friendly and knowledgeable people, several of whom have become friends.

While each country conference was worth every penny, the Retire Overseas Conference in Orlando was invaluable for Darren and me. It was the first stepping stone on our path toward making our overseas dreams come true. Our life in Medellín is everything we hoped for and better than we expected, mainly because of the great people we met and the helpful advice and accurate information we received over those three fateful days in Orlando five years ago.

Wendy Howarter

Editor’s Note: This year’s Retire Overseas Conference, also taking place in Orlando, Florida, will be three-and-a-half days. We’ve expanded the program to add more expat presentations and more panel discussions.

The VIP places for this year’s event are very nearly sold out. To join us in the room in Orlando in September as a VIP attendee, register here now.

Continue Reading: Visa Requirements For Traveling To Schengen Countries

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Visa Requirements For Traveling To Schengen Countries http://www.liveandinvestoverseas.com/mailbag/visa-requirements-for-traveling-to-schengen-countries.html http://www.liveandinvestoverseas.com/mailbag/visa-requirements-for-traveling-to-schengen-countries.html#comments Wed, 27 May 2015 12:00:23 +0000 http://www.liveandinvestoverseas.com/?p=10341 “Kathleen, does residency in Panama allow you to travel to the Schengen states without a visa?” –John S., United States Panama citizens don’t require a visa to travel to Schengen countries. However, holding Panama residency wouldn’t help you on the visa front if you’re from a country that does require a visa for traveling to [...]

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“Kathleen, does residency in Panama allow you to travel to the Schengen states without a visa?”

–John S., United States

Panama citizens don’t require a visa to travel to Schengen countries. However, holding Panama residency wouldn’t help you on the visa front if you’re from a country that does require a visa for traveling to or through Schengen countries.

You can read more here.

Continue Reading: Retire Overseas Conference Helps This Couple Realize Their Retirement Dreams In Medellín, Colombia

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Paris offers one of the world’s most appealing expat lifestyles. http://www.liveandinvestoverseas.com/retirement-living/paris-offers-one-of-the-worlds-most-appealing-expat-lifestyles.html http://www.liveandinvestoverseas.com/retirement-living/paris-offers-one-of-the-worlds-most-appealing-expat-lifestyles.html#comments Tue, 26 May 2015 12:30:06 +0000 http://www.liveandinvestoverseas.com/?p=10323 Your New Life In Paris (Could Look Like This) Paris, France At this year’s annual Retire Overseas Conference, taking place Sept. 13-16 in Orlando, Florida, we’ll introduce you to the 21 best countries in the world for living and retiring overseas. Included among those 21 will be France, of course… including, specifically, Paris… Dear Overseas [...]

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Your New Life In Paris (Could Look Like This)

Paris, France

At this year’s annual Retire Overseas Conference, taking place Sept. 13-16 in Orlando, Florida, we’ll introduce you to the 21 best countries in the world for living and retiring overseas.

Included among those 21 will be France, of course… including, specifically, Paris…

Dear Overseas Opportunity Letter Reader,

Just about anyone who took French in high school has thought, seriously or hypothetically, about moving to France one day. The romanticism of Hemingway’s Paris and of “Midnight in Paris” is hard to resist.

And Paris delivers. I can tell you from experience that this city is everything the romantic is looking for. I am an American expat who has lived and worked in Paris for the last six years and who recently purchased property in the Marais, one of Paris’ best loved neighborhoods.

Why Paris? Why the Marais?

To live in Paris is to be part of what so many (myself included) consider to be ground zero of refined Western culture. The Marais in particular oozes culture and history. For access to the historical, architectural, and social heart of Paris, there is no better location. You’d be hard pressed to find more history, culture, and character per square meter anywhere else in the world.

The Marais is also a breeding ground for cafe culture, an epicenter of fine cuisine, and home to many a cozy bistro and open-air market. Any foodie living here would never be disappointed with the offerings within a stone’s throw of his (or her) front door.

Opportunities for social connection are crucial when moving to a new place. And, while it would be a shame to stick entirely to an expat world in Paris, the biggest mistake a new expat can make in this city is to shun that expat community. In all likelihood, those other expats will end up being your closest friends in Paris, so it’s best to start getting to know the community right from the start. The Marais arguably offers the best of both worlds for expat residents, the ability to toggle between an Anglophone home away from home and La France.

Further, living in the Marais, you’d never need a car. You could get most places you’d want to go day-to-day on foot, and the metro can take you anywhere farther afield you might want to venture in and around the city.

What is my life like living in the Marais? Here’s a typical day…

7 a.m.: Wake up, stroll over to La Favourite on Rue de Rivoli to grab a cup of coffee, OJ, and a croissant (10.50 euros), and catch up on my New York Times subscription via iPad and La Favourite’s super-speed Wi-Fi.

Or, if the weather’s nice, maybe I grab a croissant (1.05 euros) at Aux Désirs de Manon on Rue Saint-Antoine and take advantage of the free Wi-Fi in Square Georges Cain on Rue Payenne.

8:30 a.m.: Head over to the public pool at Saint-Merri for a swim. Don’t forget, speedos (not shorts) are obligatory for men, and bathing caps are obligatory for all.

10 a.m.: Stop by BHV (the Bazaar de l’Hôtel de Ville Department Store) on Rue de Rivoli to buy lightbulbs, batteries, and other DIY items from their Home Depot-esque basement.

11 a.m.: Depending on the season and what’s on, maybe take in a museum, an art gallery, or a photo exhibit.

12:30 p.m.: The French eat lunch at exactly 1 p.m., so I try to beat the crowds and grab a table at one of my favorite restaurants early. Pamela Popo on Rue François Miron is my choice for sautéed scallops (25 euros).

2 p.m.: Volunteer for a couple of hours with the SOS Helpline, answering calls from English speakers in need.

4 p.m.: Make a few calls back to relatives in the United States before they leave for work (it’s free from your landline in Paris).

4:30 p.m.: Pick up a poulet rôti (roast chicken) from one of the vendors on Place Saint-Paul, cheese from fromagerie Pascal Trotté, and a baguette from Paul. Swing by the supermarket for veggies and toilet paper (not everything in Paris is romantic).

5 p.m.: Meet a friend for a quick apéro (5 euros for a glass of Coteaux de Languedoc) at Les Philosophes on Rue Vieille du Temple.

6 p.m.: Head home for a rest and to catch the latest news on CNN or BBC World.

7 p.m.: Throw the chicken in the oven to warm it up and prepare some sides. Dining at home tonight.

8:30 p.m.: If it’s a clear evening, maybe a stroll down to the river then along the quai to the Hôtel de Ville to enjoy a night view of this architectural marvel.

10:30 p.m.: Bonne nuit

Abby Gordon

Editor’s Note: Expats from around the world will join us in Orlando Sept. 13-16 to help showcase the world’s best places to live or retire overseas and to share their personal experiences and stories of success (and challenge!) reinventing their lives overseas.

As of this writing, 5 VIP places remain available. To join us in the room in Orlando in September as a VIP attendee, register here now.

Continue Reading: Rehabilitating Gangs In Casco Viejo, Panama

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Rehabilitating Gangs In Casco Viejo, Panama http://www.liveandinvestoverseas.com/mailbag/rehabilitating-gangs-in-casco-viejo-panama.html http://www.liveandinvestoverseas.com/mailbag/rehabilitating-gangs-in-casco-viejo-panama.html#comments Tue, 26 May 2015 12:00:34 +0000 http://www.liveandinvestoverseas.com/?p=10324 “Kathleen, here’s a great piece in today’s LA Times about Casco Viejo. I know you and your readers will enjoy it: http://www.latimes.com/world/mexico-americas/la-fg-panama-gangs-20150525-story.html –Bob A., Panama Continue Reading: Paris offers one of the world’s most appealing expat lifestyles.

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“Kathleen, here’s a great piece in today’s LA Times about Casco Viejo. I know you and your readers will enjoy it:

http://www.latimes.com/world/mexico-americas/la-fg-panama-gangs-20150525-story.html

–Bob A., Panama

Continue Reading: Paris offers one of the world’s most appealing expat lifestyles.

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How To Choose The Best Place To Retire Overseas http://www.liveandinvestoverseas.com/how-to/how-to-choose-the-best-place-to-retire-overseas.html http://www.liveandinvestoverseas.com/how-to/how-to-choose-the-best-place-to-retire-overseas.html#comments Mon, 25 May 2015 12:30:50 +0000 http://www.liveandinvestoverseas.com/?p=10312 What Gets Your Blood Flowing? Panama City, Panama “So many choices… what do you suggest?” wondered one dear reader over the weekend. If you have a particular agenda, your challenge is mitigated. If yours is a strict and modest budget, for example, you must choose a country where the cost of living is low (Ecuador, [...]

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What Gets Your Blood Flowing?

Panama City, Panama

“So many choices… what do you suggest?” wondered one dear reader over the weekend.

If you have a particular agenda, your challenge is mitigated. If yours is a strict and modest budget, for example, you must choose a country where the cost of living is low (Ecuador, Nicaragua, Portugal, or Thailand, say).

If you intend to start a business in your new life overseas, then your top choices are entrepreneur-friendly jurisdictions (Panama is the front-runner).

If you have an ongoing health concern, then you can think about moving only to those places that offer top-notch medical care (typically this means sticking close to a city big enough to have international-standard facilities).

If you’re moving with children, international-standard schooling options are the make-or-break issue (Panama and Colombia offer great choices in the Americas).

But what if you’re not limited in any of these ways? What if you’re not restricted by cost of living or health issues or school-aged children or the need (or desire) to start a business and earn a living?

Well, then, you could go anywhere.

And that’s the trouble… filtering the whole world to identify the place that’s best for you.

What do I suggest?

“Your Latin America Correspondent Lee Harrison has almost convinced me to choose Colombia, at least as a first move,” wrote a friend earlier this week.

“My father has relatives in Bogotá, and I’ve made a couple of Internet friends there, so I know a few people already…”

That’s what I suggest.

Open your mind and cast your net. Read these dispatches (every day!). Join country-specific Yahoo groups. Read books by those who’ve done what you’re thinking about doing. (I’d recommend starting with mine, of course, “How To Retire Overseas,” published by Penguin and available on Amazon.)

Explore the possibilities until you find a place that catches your fancy.

Friend and part-time Nicaragua expat Jay Snyder explains that he was inexplicably drawn to Central America. The places he read about in that part of the world captured his imagination, and he wanted to know them firsthand.

Friend and full-time Colombia expat Rich Holman says that, after decades of hard work building a career in the United States… then a difficult divorce… Medellín offered him a chance to start over in a place that is friendly, welcoming, lively, interesting, and, important for Rich, bursting with opportunity for the would-be entrepreneur.

Expat friends in Paris moved from the States to Paris years ago (and stayed), because, well, it’s Paris.

Another friend settled a few years on the west coast of the Azuero Peninsula because he likes to fish and the fishing in that part of Panama is among the best in the world… and two other friends decided to reinvent their lives on that same stretch of coast just a few months ago. This couple had always dreamt of retiring to the beach but had only a schoolteacher’s pension to fund this stage of life. On Panama’s Azuero Sunset Coast, they found the sunny, sparkling sea lifestyle they’d long fantasized about, at a cost their budget could support.

Friends launched new lives in Belize’s Cayo District to fulfill a lifelong dream to live self-sustainably. The home they’ve built for themselves is completely off the grid.

I’ve known artists who were drawn to San Miguel de Allende, Mexico… enthusiasts of the Great Outdoors who chose New Zealand… wine-lovers who settled in Mendoza, Argentina (and love it)…

Intrepid Correspondent Paul Terhorst thrives on exploration and discovery. So he hasn’t settled anywhere. He and his wife Vicki have been perpetual retirees for more than three decades, moving from country to country and from continent to continent as their wanderlust inspires them.

Likewise, Lief and I don’t think we’d be happy living in any one place for the duration. Our ultimate retirement plan is to follow the seasons each year, moving among the places where we most enjoy spending time (springtime in Paris… summer in Istria, Croatia… September to November in Medellín, Colombia… and on Panama’s Azuero Peninsula during the U.S. winter).

What’s your passion?

If you could fill your days any way you wanted, what would you do? If you could have any view you imagined outside your bedroom window, what would it look like?

Start there.

Kathleen Peddicord

P.S. My team and I would love to help kick-start your imagination. Meet me and more than four-dozen of my closest friends and most valued correspondents and advisors in Orlando, Florida, Sept. 13–16, for our three-and-a-half day Retire Overseas Conference, during which we’ll walk you through the thinking involved with identifying where best in the world you should launch your new life overseas.

VIP places for this, the biggest retire-overseas event of the year, sold out in 72 hours last week. Dozens of other readers have been in touch to say they missed the window to register as a VIP because they’ve been traveling this holiday weekend. We’ve worked with the hotel in Orlando, therefore, to be able to accommodate 25 additional VIP attendees. We’re making these additional places available first-come, first-served.

You can grab one here and read more about the program we’re planning for this one-of-a-kind event here.

Continue Reading: Investing In A Rental Property In Las Terrenas, Dominican Republic

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Investing In A Rental Property In Las Terrenas, Dominican Republic http://www.liveandinvestoverseas.com/mailbag/investing-in-a-rental-property-in-las-terrenas-dominican-republic.html http://www.liveandinvestoverseas.com/mailbag/investing-in-a-rental-property-in-las-terrenas-dominican-republic.html#comments Mon, 25 May 2015 12:00:12 +0000 http://www.liveandinvestoverseas.com/?p=10313 “Kathleen, do you recommend apartment rentals in Las Terranas for investment?” –Lesley G., Canada Indeed, I do. You can find out about the best current opportunities available for this kind of investment by getting in touch here. *** “Kathleen, I’ve been eyeing Belize since reading about it in your and Lief’s newsletters (and I bought [...]

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“Kathleen, do you recommend apartment rentals in Las Terranas for investment?”

–Lesley G., Canada

Indeed, I do. You can find out about the best current opportunities available for this kind of investment by getting in touch here.

***

“Kathleen, I’ve been eyeing Belize since reading about it in your and Lief’s newsletters (and I bought your Belize report just over a year ago).

“I’m paying off a few more things, and then I want to travel to Belize to see if I can see myself living there. I’m only 36, but, once I’m out of debt, I’m thinking I’d much rather invest abroad than slave away here in California to maybe own a house in 30 years after all that work.

“Based off what I’ve read, I’m thinking I could set up my Web consulting business there, which is work I can do remotely. Can you recommend resources I should read or contact for setting up my business in Belize?

“Thanks, in advance, for your help!”

–Sam Y., United States

Sounds like a great plan.

If the idea is to live in Belize while running a Web business, probably the best thing would be to incorporate in another jurisdiction and keep the business out of Belize. This would keep you from paying taxes in that country.

One resource I’d recommend would be Joel Nagel, a U.S. attorney with decades of experience both helping Americans set up businesses and corporations abroad and, as well, specifically, decades of experience doing business in Belize.

Joel will be joining us as a presenter for our Retire Overseas Conference taking place in Orlando, Florida, Sept. 13–16, along with other key Belize contacts. Belize will be one of the 21 countries featured throughout the program. It’d be an ideal opportunity to talk through your plan in person.

Continue Reading: How To Choose The Best Place To Retire Overseas

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Seven Workshops Of Kathleen Peddicord’s Retire Overseas Conference In Orlando, Florida http://www.liveandinvestoverseas.com/how-to/seven-workshops-of-kathleen-peddicords-retire-overseas-conference-in-orlando-florida.html http://www.liveandinvestoverseas.com/how-to/seven-workshops-of-kathleen-peddicords-retire-overseas-conference-in-orlando-florida.html#comments Sun, 24 May 2015 12:27:49 +0000 http://www.liveandinvestoverseas.com/?p=10307 Seven Critical Questions To Answer Before Retiring Overseas Panama City, Panama When we convene in Orlando, Florida, Sept. 13–16, for this year’s Retire Overseas Conference, we’ll be joined by our top experts, colleagues, and advisors, as well as dozens of expats from around the world. With their collective help, we will address the seven critical [...]

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Seven Critical Questions To Answer Before
Retiring Overseas

Panama City, Panama

When we convene in Orlando, Florida, Sept. 13–16, for this year’s Retire Overseas Conference, we’ll be joined by our top experts, colleagues, and advisors, as well as dozens of expats from around the world. With their collective help, we will address the seven critical questions associated with conceiving, planning, and executing a move to another country through a series of seven panel-led workshops.

Specifically:

Workshop #1: How Much Money Do You Need To Retire Overseas?

We’ll help you figure an answer to this all-important question, depending on where you’re thinking of moving and how you want to live when you get there. Our panel of experts will reveal everything you need to know to make your personal financial plan for retirement overseas. We’ll address issues such as:

  • Managing day-to-day spending in a foreign country…
  • Going local or living a more imported lifestyle…
  • Coping with changing exchange rates…
  • The best time for you to start taking Social Security as an overseas retiree…

  • How to manage your credit cards while living abroad…
  • Whether to sell or to keep your U.S. property…
  • Understanding the pluses and the minuses of retiring to a country that uses the U.S. dollar versus a country with its own currency…

The good news is that many learn that what they really need is far less than what they feared they needed… and far, far less than what they’d need to afford a comparable standard of living in the United States.

Workshop #2: What About The Nuts And Bolts Of Banks, Brokers, Utilities, Language, And Finding A Good Plumber?

In this workshop, we’ll walk you step-by-step through the particulars of establishing yourself overseas, highlighting many details you otherwise wouldn’t run into until you got there.

The panel for this workshop will be made up of current expats from different countries. These folks are doing what you’re thinking about doing… meaning they’ve already made (and learned from) all the mistakes we sincerely want to help you to avoid. In that spirit, this workshop is designed to help you experience the minimum amount of hassle and the maximum fun as you deal with all the nitty-gritty of getting set up in your new home… things like:

  • When and if you’ll need a new driver’s license…
  • The ins and outs of opening a bank account in another country…
  • How to pay your bills… both locally and back home…
  • Organizing your household for shipping… how to decide what stays and what goes…
  • Learning the local language… or getting by in English…
  • Staying in touch—inexpensively—with friends and family back home…
  • Getting utilities connected and choosing Internet service…
  • How to find reliable craftsmen…
  • Bringing your pets… details of the paperwork you’ll need…
  • Tips for a smooth move if you’re bringing your household goods…

Workshop #3: How Can You Stay Legally In Your New Country?

In considering where in the world you’d like to retire (whether full-time or part-time), one critical issue can be an obstacle… and it’s easy to overlook. I’m talking about residency.

In these days of tightening immigration control and rising visa costs, not everywhere may suit your particular requirements. And let’s not forget countries where you need to show a minimum monthly income, make an investment, or have a certain amount deposited in a local bank to be approved for legal residency.

On the other hand, some countries are rolling out the welcome mat for expat retirees today, offering special incentives, perks, advantages, and benefits for the pensioner crowd.

In this workshop, you’ll learn the good, the bad, and the this-is-how-it-really-works of establishing a physical presence overseas, including:

  • The three most retiree-friendly countries in the world. In these places you can look forward to generous discounts—often as much as 50%—on goods and services, from restaurant dinners to dental work and from airline tickets to closing costs on a home…
  • The fast track to permanent residency in the world’s six top retirement havens…
  • How residency affects your tax burden and how you can control and minimize this through careful planning…
  • The benefits of using an attorney to guide you through the application process… when you must use one… and when you definitely should save yourself the expense…
  • Easy immigration—places where you can easily (and legally) stay long-term on a tourist visa…
  • The no-complications approach—how you can avoid jumping through residency hoops altogether…
  • The legal implications of establishing residency in a foreign country (for example, how local inheritance laws could affect your estate)…
  • The many benefits of second citizenship and how to obtain it legally…

Workshop #4: How Will A Move Overseas Affect Your Tax Burden?

We don’t recommend trying to organize your life around your tax obligations. On the other hand, depending on your circumstances, moving overseas could make it possible for you to live tax-free… even to run a business tax-free, too, if that’s part of your plan.

In this workshop, led by resident global tax guru Lief Simon and other international tax experts and attorneys, you’ll learn:

  • How to earn up to US$201,600 per year tax-free…
  • Two foreign assets the IRS doesn’t want to know about and that you can legally hold overseas without triggering a reporting requirement to the IRS…
  • The top four jurisdictions for low-tax or no-tax living…
  • Getting good representation—the key to paying no more tax than you should…
  • Where you’ll enjoy the lowest property taxes… and where you won’t pay any property tax whatsoever…
  • Where and how it’s possible to operate a business tax-free…
  • Where and how to enjoy exemption from import duties on household goods and belongings you decide to bring with you to your new home…

Workshop #5: Should You Rent Or Buy A Home?

This is one of the biggest questions you face when planning a move overseas, one that’s inspired many a heated debate, even among our Live and Invest Overseas team. Some of us have differing points of view on this.

Generally, I say rent first and maybe rent long-term. However, sometimes, depending on your situation, buying a home of your own and even buying right away can make sense. When we meet in Orlando in September, our panel of property experts will talk this important question through for you, considering all the options and many different points of view.

However, regardless whether you decide to rent or to buy, you need to arm yourself with a clear and comprehensive understanding of how to navigate overseas property markets. Our property workshop will show you everything you need to know about real estate overseas, regardless whether you plan to buy or to rent, including:

  • The benefits of renting long-term…
  • What to look for when choosing a rental, whether for short- or long-term use…
  • How to review a rental contract in a foreign country…
  • Where to start your search for a rental property and how and why to take your search local…
  • What you need to know about buying property overseas, including the pitfalls and how to deal with them…
  • 12 critical questions you should ask before buying real estate in a foreign country…
  • How to protect yourself as a buyer in a foreign market…
  • How to evaluate a selling price in any given market…
  • How to structure foreign property ownership…
  • How to address the tax implications of owing real estate in a foreign country…
  • What the IRS needs to know about your property holdings overseas (maybe nothing)…

Workshop #6: What Health Care And Health Insurance Options Can You Expect?

One thing you can’t take with you from the United States when you retire overseas is your Medicare coverage… and, in many cases, your U.S. health insurance won’t travel with you either.

The good news is that you have options—very good and very affordable options—for medical coverage abroad. And, as many of the expats you’ll meet at our Retire Overseas Conference will testify, it’s possible to receive quality care—sometimes better than the level of health care you’re used to at home—in many of the retirement havens we’ll discuss.

Our health care workshop has a double agenda: First, to help you understand what you can expect of medical care in a foreign country; second, to present your options for health insurance living overseas. From this workshop, you’ll learn:

  • Which of the top 21 retirement havens stand out in terms of top-quality health care…
  • Where, among these top havens, you’ll find health care to be the most affordable…
  • The differences between public and private health-care systems… and when to use the (possibly free) public systems abroad…
  • Your top options for medical insurance abroad and the pluses and minuses in each case…
  • The points to consider in choosing a policy that suits your specific needs…
  • Why you should never buy insurance online… at least not until you’ve confirmed the answer to this all-important question…
  • What your overseas health policy should cover… and what it likely won’t…
  • How much deductible makes sense given where you’ll be living and your personal health circumstances…
  • Cost details for sample insurance plans in a number of overseas retirement havens…
  • What to do if you’re beyond the age for enrolling in a new insurance policy…
  • How to evaluate an insurance policy in a foreign country…
  • The best international health and travel insurance policies on the market today…

Workshop #7: What If You Can’t Afford To Give Up Your Career Just Yet?

In many overseas locations, it’s tough to find employment; however, it can be straightforward and lucrative to start your own business. It could be big or small… a local business or a new portable career.

A move overseas is a chance to break from the old and start doing the things you love—perhaps while making them earn some income to supplement your retirement nest egg.

In this workshop, you’ll learn about your best options for funding your retirement wherever in the world you decide you’d like to reinvent it.

You could, for example, start an Internet business… and you could do this from anywhere in the world. You could even start it now, from home, so it’s up and running (and generating cash flow) when you’re ready to make your move.

I’m not talking about any get-rich-quick schemes. Running a business of any kind anywhere in the world is not all fun and games… as we know from long experience. To date, my husband and I have started and operated businesses in nine countries. The bonus is that it’s all on your own terms. It’s up to you how many hours you work, where you work from, how big you want your business to grow, and how much time you take off.

If you need to support yourself financially while overseas… or would like to have an extra income… then this session will be very important for you. You’ll find out:

  • How to generate business ideas—and how to identify a profitable market…
  • How to select your products. In the import-export business, for example, certain products have restrictions depending on where you send them to or from…
  • How to get started. You have a great idea… but you don’t know where to begin. Follow this six-step Internet business start-up plan to get up and running anywhere in the world…
  • Making money on the web—seven strategies for drawing qualified prospects to your website…
  • Countries among our top 21 retirement havens that make sense for running a business… and those that don’t…
  • Where to find supporting staff. Depending on the size of your business, it may be helpful to have some in-country assistance. You’ll learn which countries have reliable, English-speaking labor pools and minimal red tape in the hiring-and-firing process… and which don’t…
  • Legal, labor, and taxation issues you need to be aware of running your Internet business…
  • Recommended software tools and online resources to help get you started in your new career…

I said we’ve organized this year’s Retire Overseas Conference around seven workshops. In fact, we’ve recently added a bonus session to the proceedings:

Workshop #8: What To Expect When You’re “Expating.”

This one is meant both to educate and to entertain. The panel for this session, expats of different ages and from different walks of life, each with a different story to tell, will share their experiences and anecdotes with you on all aspects of expat life… including certain slightly off-color things that don’t fit under any of the formal workshop headings. This is What It’s Like To Retire Overseas, Uncut And Uncensored.

Bottom line, here’s our agenda:

Over these three-and-a-half days in Orlando, we’ll show you everything you need to know to make your live or retire overseas dreams come true. We’ll get you where you want to be. I promise.

Kathleen Peddicord

P.S. I’m no longer able to make it to every event on our calendar. However, I look forward to this annual Retire Overseas Conference each year and wouldn’t miss it. I’ll be hosting the event and moderating every workshop session. I can’t wait to meet you there.

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Choosing A Jurisdiction For Backup Residency Overseas http://www.liveandinvestoverseas.com/how-to/choosing-a-jurisdiction-for-backup-residency-overseas.html http://www.liveandinvestoverseas.com/how-to/choosing-a-jurisdiction-for-backup-residency-overseas.html#comments Fri, 22 May 2015 12:00:20 +0000 http://www.liveandinvestoverseas.com/?p=10296 Your Best Options For Residency Overseas Panama City, Panama One important piece of internationalizing your life is establishing residency in another country, either because you intend to move to that country or because you want a backup residency in your back pocket in case things go completely sideways and you decide it’s time to bug [...]

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Your Best Options For Residency Overseas

Panama City, Panama

One important piece of internationalizing your life is establishing residency in another country, either because you intend to move to that country or because you want a backup residency in your back pocket in case things go completely sideways and you decide it’s time to bug out.

You have many good options in either case, including many jurisdictions that are great places to live and also offer great easy residency options, meaning they should be on your list regardless of your circumstances.

Panama offers perhaps the best backup residency option available anywhere, its “Friendly Nations” program. This allows you to obtain permanent residency right away (as opposed to temporary residency, which then must be renewed annually) and requires you to be in the country only one day every two years to keep your status. Government and attorney costs associated with establishing residency in Panama are higher than in other countries (in part because, by law, you must use an attorney and cannot attempt a do-it-yourself residency visa, as you can in most other jurisdictions). Regardless, again, this is one of the easiest residency options you’ll find anywhere if you’re from one of the 48 countries designated on the “friendly nations” list.

Residency options in Colombia are good, but that country doesn’t have a program similar to Panama’s “Friendly Nations” option. In Colombia, you can get temporary residency by investing as little as US$27,000 (at today’s exchange rate between the U.S. dollar and the Colombian peso) in a corporation. That visa must be renewed every year, and, to keep the status active, you must be in the country at least once every six months.

However, you can obtain permanent residency in Colombia immediately if you boost your investment up to US$180,000. With this visa, you only have to be in the country once every two years, just like Panama.

If you actually want to live in another country and neither Panama nor Colombia is on your short list, your decision-making process is a bit more complicated. The first question you must answer is: Where do you want to move?

To answer that question, ask yourself some others. Do you want to reduce your tax burden? Do you want to live someplace inexpensive? Do you want to be somewhere with First World infrastructure and amenities? Do you want to start a business? Etc.

The answers to all those questions will help you narrow down your choices, but the world is a big place. How can you make this big and important decision efficiently?

Internet research and reading can only get you so far. That’s why Live and Invest Overseas, my parent publisher, puts on a Retire Overseas Conference every year. This is the best one-stop-shopping opportunity you’ll find anywhere. This year’s event, taking place in Orlando, Florida, Sept. 13–16, will look at the 21 countries that make the most sense for retirement right now. Those same countries would be at the top of a list of places to live regardless of your age or circumstances… meaning they’re all top options for where to think about planting your residency flag.

If you want to live by the beach, you have options from France, Spain, and Italy’s Mediterranean coasts to the Pacific coast of the Americas (in Nicaragua, Panama, and Ecuador). Or you could consider the Caribbean side of Central America and Colombia… or a Caribbean island such as the Dominican Republic. Asia’s got great beaches, too, in countries that are also great places to spend time, including Thailand and Malaysia.

Maybe you’re not interested in living life at the beach but would prefer a mountain setting or a city. You have many good options for those lifestyles, too.

Sifting through the options you’re considering and learning about new ones you might not yet know about that could be ideal for you is what the Retire Overseas Conference is about. I’ve been participating in events like this one for years. One of the most interesting things to me always is how many people change their minds about where they’d like to go after listening to the many expats and experts speak about the respective countries they represent. I’ve spoken with attendees in the past who have decided to move to Portugal instead of Panama or to Uruguay instead of France. Big shifts of direction aren’t uncommon when the choices are better understood.

The best idea is to come to this event with an open mind. Maybe you’re considering specific destinations already, maybe you’re not. But leave the preconceptions at home. Europe can be more affordable than you think, for example, especially right now with the euro as weak as it is against the U.S. dollar, so don’t assume you can’t afford the Old World if that’s what you really want.

Latin America doesn’t have to mean minimal infrastructure. Medellín, Panama City, and Montevideo, for example, all have good infrastructure. Asia doesn’t have to mean learning a complicated language. Malaysia, Thailand, and the Philippines are home to large English-speaking populations, and English is an official language in the Philippines.

This is the kind of discussion we’ll engage in over the three-and-a-half days of this year’s Retire Overseas Conference. Kathleen Peddicord and I will be co-hosting the event, and we’ll be joined on stage by more than four-dozen colleagues, friends, advisors, experts, and expats from around the world.

If you’re shopping for the best place to plant your residency flag (as you should be), I urge you to make time to join us in Orlando in September. This is your most efficient option, by far, for considering and filtering all your best options at one time with the help of people who know each one from firsthand and personal experience.

Registration for this event opened yesterday. As of this writing, I believe 8 of the 50 VIP places remain available. Details are here.

Lief Simon

Continue Reading: Residency Options And Border Runs In Ecuador

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