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As we've been reporting, we believe 2014 will be a game-changing year in this country. Unlike many other countries in the world and in the region, Panama did not crash post-2008, neither its economy nor its property markets. It chugged on (as we predicted it would), growing, prospering, building, improving. Now it's gearing up for another run. Important infrastructure works are coming online this year (including the new Panama City metro and Phase 3 of the city-center Cinta Costera thoroughfare). Plus, the completion of the Panama Canal expansion project is just around the corner.

Property values softened in Panama starting in 2008 but stabilized by 2011 and have begun again to appreciate. The rate of appreciation will quicken this year. Right now, it's still possible to buy a water-view condo along Avenida Balboa, one of the city's best addresses, for as little as US$2,000 per square meter. This will not be the case a year from now.

This is one important topic of conversation at this week's conference. Our key property advisors are convened with Lief starting today over in the meeting rooms of the Veneto Hotel to discuss the best current property buys, how to shop for a rental investment, how to maximize net rental yield, where to buy for appreciation, where to go for local financing, and where to look for the best long-term store of value, both in Panama City and in other key local markets across the country.

Also on the program is a detailed economic update from an expert I trust with long experience both in the region and in Panama specifically. His report, I know, is enthusiastically positive. Unfortunately, as I said, though, I won't be there to hear all the details for myself.

That's why I've asked my daughter Kaitlin to act as my eyes and ears on the ground. Kaitlin will be sending me updates over the coming few days, which I'll relay to you in real time.

As I write, our recommended legal eagle in this country, Rainelda Mata-Kelly, is on stage, Kaitlin reports (via Skype), telling the group in detail about all 14 of Panama's residency options, including the new and ground-breaking Specific Countries visa program this country premiered last year.

I'm not there to hear firsthand...and maybe you're not we'll stand by for updates from Kaitlin and others on the scene. They've promised to send photos, too.

Then, after the event has concluded, I'll look forward to listening to the recordings of these proceedings for even greater detail and insight. Every speaker's presentation is being recorded, in full, including all live Q&A. We'll bundle these recordings, once edited, to create our all-new Live and Invest in Panama Home Conference Kit. If you'd like, you can arrange to receive this package of real-time Panama resources, too, once it's available. Reserve your copy now to avail of the 50% pre-release discount.

Kathleen Peddicord

Continue reading:

This is a mammoth undertaking, the complete fruits of which will be featured in a special issue of our Overseas Retirement Letter. We'll share parts of this important study in these daily dispatches, as well. Watch this space.

Second development from last week's editorial sessions: Our picks for your best choices in 2013, depending what you're looking to do. Here are some of the highlights:

  • Also Super-cheap: Granada, Nicaragua
  • Four Mild Seasons: Montevideo, Uruguay
  • World's Best City Lifestyle: Paris
  • Best Place To Start A Web-based Business: Panama
  • Best Place To Open An Offshore Bank Account: Belize
  • Best Places To Relocate With School-aged Children: Panama City, Panama; Paris; Montevideo, Uruguay; Galway, Ireland
  • Best Places To Escape The World: New Zealand and Belize
  • Best Caribbean Lifestyle Bargain: Samana, Dominican Republic
  • Easiest Places In Asia To Establish Foreign Residency: Malaysia and the Philippines
  • Best Places To Retire If Budget Is No Object: Paris; Lake Como, Italy
  • Best Place To Pursue A "Resilient Lifestyle": Belize


In addition, we've scheduled three big events for 2013: a general getting-started Retire Overseas event in the United States that will cover the world's best options across regions; a Live and Invest in Europe event in Dublin, Ireland; and a Live and Invest in Asia event in Kuala Lumpur, Malaysia.

Kathleen Peddicord

P.S. What else this week?

  • Warren Buffet wondered not long ago: "Would you rather own ALL the gold in the world or ALL the farmland?"

Everyone is talking about the new asset class. Farmland isn't a new asset class. It's the world's oldest asset class. However, it has become very attractive in the past several years and is going to become more attractive over the coming decade as the world's population continues to expand. We're looking at a total world population of more than 9 billion people by the middle of this century. This is translating to a global race for farmland, with some countries imposing restrictions on foreign ownership of productive land.

The old real estate investment adage recommends buying beachfront because they're not making anymore of it. There's a limited supply of farmland, too, and a fast-growing demand. Farmland, therefore, is and will continue to be the world's best possible store of value. Looking at a world map, three places are interesting in this context: Africa, Eastern Europe, and South America. Among the three regions, South America is the most competitive; Africa and Eastern Europe are more volatile, with more corruption, lack of clear rules, and restrictions on foreign ownership. In South America, Uruguay, in particular, stands out; about 95% of the land in this country is farmable. Until the start of this century, most of Uruguay's land was used for cattle. When farmers began to recognize the implications of the coming global population crisis, they switched from cows to soybeans. Because Uruguayans haven't farmed their land for 200 years, it's virgin. There's been no soil degradation as in more recognized global breadbaskets...

  • Eighteenth- and 19th-century apartments in central Paris...and land.

Those were the recommendations from a friend, a Frenchman whose opinion I respect, when I asked for his investment advice.

"Centuries-old bijou real estate in a brand-name city like Paris...and productive agricultural land on which to grow corn, soybeans, wheat, alfalfa, fruit trees, grape vines, or timber," Frank replied without hesitation. "Because the world is always going to need those things. The demand is only going to increase, no matter what."

Productive land is the ultimate hard asset. Unlike a lot in a development community or a plot in the middle of a commercial district, productive land always retains the potential for yield. By definition, productive land is land where you could produce something of marketable value. When whatever you plant or herd reaches maturity, you harvest and sell. Productive land also provides diversification and can be part of a legacy wealth plan.

This can be about farming, but I'm not suggesting you pick up a hoe. You have good options for taking advantage of this classic diversification strategy without ever getting your hands dirty. Specifically, I recommend three productive land investments that you can participate in without having to learn much of anything about how to grow and harvest crops: timber (specifically teak), coconuts, and farmland.

Historically, timber has enjoyed the best risk/reward ratio of any investment sector. Depending on whose chart of historical returns you consult, timber as an asset category has produced an annualized ROI in the range of 12% to 15% per year every year since they started keeping records of investment risk versus return. A friend calls timber "a long-held secret of the world's wealthiest people." It's a low-volatility hedge against inflation and an asset class that operates independent of the stock market...

  • Coconuts are a multi-purpose crop. You can get a multitude of products out of one of these nuts, from water to meat, husk to oil. Each product has a different use and a different market. The biggest demands are for the water and the oil.

Coconuts are ubiquitous in Brazil and so is the water they produce. On any beach along this country's long coast, you can find coconut vendors hacking off the tops of coconuts, sticking a straw into each open nut, and selling the portable, natural thirst-quencher to hot and sticky passers-by. In the United States and Europe, coconut water is mass-produced, packaged in bottles and cans by big drink companies including Coca-Cola and Pepsi (the respective brands are Zico and O.N.E.), and sold on grocery store shelves. Their coconut water products are not marketed aggressively in the United States by either Coke or Pepsi, because neither group can get enough supply. They sell all that they are able to produce even without making any serious investment in promotion...

  • Obama has been re-elected. He'll be running the show in the United States for the next four years. What actions should you take now?

You should continue doing what you've been doing, as long as what you've been doing has been organizing and diversifying your life overseas. If you haven't started down this road yet, I'd say that you should get started today with a sense of urgency. You must diversify, both your investments and your life. It's a necessity of the world we're living in, regardless who's sitting in the White House.

Undertake this agenda understanding that whatever actions you take to take control of your life, your finances, and your family's future will be vilified by many as unpatriotic and un-American. This is a great irony for me. Have these self-appointed patriots read any U.S. history? Have they ever watched "How The West Was Won"? America is a great country because, historically, Americans have always taken care of themselves. The un-American course of action would be to do nothing to protect yourself, to allow events beyond your control to overtake you. A real American never allows himself to play the victim...

PLUS: From resident global real estate investing expert Lief Simon:

Kathleen's blog this week for U.S. News and World Report detailed five apartments in Europe on offer right now for less than US$100,000. Indeed, you can find many good options at affordable prices in Europe, which generally surprises people.

Of course, if your only goal for retirement is a cheap place to live, you could find options anywhere, including in the United States. Houses for less than US$50,000 can be found in every state (no, I didn't personally check for all 50, but I believe this is a fair statement). The question is whether or not you would want to live where those houses are located. I'd say that a quaint apartment in a small coastal town in Europe is a more interesting retirement option than a house in the middle of nowhere or in the crime center of some non-descript city (the most likely places to find super-cheap housing in the States).

Further, in addition to purchase price, you have to consider holding costs when making comparisons. One big factor is property taxes. In Europe, generally speaking, property taxes are much lower as a percentage of property value than they are in the United States.

In Paris, property owners pay two taxes (one is a property tax, the other is an occupancy tax). For my apartment in this city, the total of the two is about .2% of the property value. I pay no property tax for my house in Croatia...not because it's worthless, but because Croatia doesn't charge property tax. Ireland doesn't charge property tax either, at the moment, for residential property. The country is expected to implement one by 2014, but the rate will be low as a percentage of value.

The cost in Europe comes when you make the purchase. Most countries charge a transfer fee from 1% up to 12%. You could consider this an upfront property tax if that makes it easier to bear. Amortize it over the time you expect to own the property, and you'll likely still find the cost works out less than paying the comparable number of years of U.S. property tax.

You're not going to find really inexpensive property in Europe's marquee cities (Paris, Barcelona, Rome, etc.), but this part of the world has a long history and long coastlines. Take out a map and look for small towns near bigger base cities. In these kinds of places you can buy super-cheap and be near enough to a brand-name city to enjoy all it has to offer on a regular basis.

Istria is one of my favorite choices in Europe. The history, the architecture, and the countryside all are enchanting. This region of Croatia has many historic towns, inland and along the coast. I'd say the most interesting is Porec, with its walled old town. For a bigger town, Pula is really the only option, and here you'd find it difficult to find a house for sale for US$100,000 or less. Not so in Porec. The downside for Croatia is that full-time retirement living is difficult, as the country doesn't offer an easy residency visa option.

On the Black Sea coast, consider the region around Constanta. Winters here can be a bit colder than on the Mediterranean, but summer temperatures are perfect unless you're looking for really hot. This region of Romania offers good new construction at really low prices (well under US$100,000), making it a good choice if living in a building built before the United States was a country bothers you.

If neither of these options makes sense to you, again, take out a map. You'll be surprised how many interesting options for an affordable retirement you can find in the Old World.


"Do you see that?!" he'll exclaim. "Do you see that?! That guy is making a left-hand turn from the far right-hand lane, three lanes over! Who would do that? Only a Panamanian..."

"This traffic! Dios mio! They're building the new metro to try to ease things up on these roads, but the subway work is making everything so much worse. They're digging big holes in the middle of all the major streets. Then they stand around and look inside the big holes. Does anyone know what they're doing? How long all this will take? How much difference it will really make? I don't know...but nobody's asking folks like me what we think. Ah, Panama..."

Alberto has a true Panamanian perspective on life in Panama City. That's why, starting in the February issue of my Panama Letter (in subscribers' e-mailboxes tomorrow, Feb. 1), we've asked Alberto to share his insights and wisdom on navigating day-to-day life down here in the Hub of the Americas.

Panama City is at a turning point in its history. It's pushing hard to move from developing world to First World status. Big picture, the benefits will be tremendous, and the transition is creating serious opportunity.

Down at street level? The consequences of all this growth and change can be maddening. Knowing how to get around, where to go to get things done, and the secrets to operating on the local level, rather than the gringo level, can be the difference between success...and losing your shirt and maybe your mind.

Again, our new "Ask Alberto" column debuts in the February issue of the Panama Letter.

Other new, expanded, and (we think) improved elements in the February issue of my Panama Letter include...

  • Broader budget comparisons, to help you thin-slice the cost of living in this country. The February issue includes detailed budgets for El Cangrejo, in Panama City; Cerro Azul, in the highlands outside Panama City; and in Clayton and Albrook, this month's featured destinations...
  • "Cuidado"...or Caution...a new regular column giving subscribers the heads up on important things they should look out for when spending time in this country...
  • "Expat Topsy Turvey"...another new column that shares the hard-won wisdom of expats already living, investing, and doing business in all regions of Panama...
  • "Simon Says"...Lief Simon's chance to share his personal insights into life as a Panamanian expat. Lief is known for telling it like it is. As a local friend remarked when he heard about Lief's new regular Panama Letter column, "Oh, no, now you've given him a regular forum..."
  • "What's On In Panama This Month"...a guide to events and activities in the country this month. Where to go to watch the Super to plan your Carnavale adventure...who's appearing live in concert this month...and what's playing at Panama City's English-language theater...

And much more. This February issue of the Panama Letter is a full and fully illustrated 36 pages of insider insights and intelligence, all from folks currently living full-time in the country. Real-time, real-deal information from both expats and Panamanians on real life in Panama.

If you're a subscriber, watch for your expanded February issue in your e-mailbox tomorrow.

If Panama is on your radar, but you're not already a subscriber to the Panama Letter? What in the world are you waiting for? Subscribe here now.

Kathleen PeddicordContinue Reading:



#1: Las Tablas (cheapest), Panama City, or Boquete, Panama
#2: Medellin, Colombia
#3: Ambergris Caye or Cayo, Belize
#4: Montevideo, Uruguay
#5: Kuala Lumpur or Penang, Malaysia

Luxury Lifestyle on a Budget

#1: Puerto Vallarta, Mexico
#2: Southwestern France
#3: Buenos Aires, Argentina

Now...what in the world are you supposed to do with this list?

Ecuador is cheap, but is it really cheaper than Nicaragua? Chiang Mai could be the cheapest choice of all, depending exactly where and how you choose to live, but it's also the most exotic. That could be a minus for you...or a plus.

And, of course, cost of living is but one consideration. Maybe it's a critical one for you, but it's certainly not the only thing you need to think about as you try to identify the overseas retirement haven with your name on it.

In addition, you've got to understand options for establishing foreign residency and the available standards of medical care...

You want to know about health insurance plans and concerns...infrastructure...the language...the climate...taxes...accessibility...

Would you find more interesting ways to spend your time in Buenos Aires, Argentina, or Montevideo, Uruguay? Would you enjoy more reliable Internet access in Chiang Mai, Thailand, or Kuala Lumpur, Malaysia? Where would a beachfront lot for building a house be cheaper--on Ambergris Caye, Belize, or in Puerto Vallarta, Mexico?

Panama's pensionado residency program is user-friendly and packed with benefits, but is it easier to qualify for residency in Panama than in Belize, for example? The standard of available medical care is top-notch in Panama City. Is it as good in Medellin? Better? How does medical care in Uruguay, Argentina, Malaysia, Thailand, Mexico, and France stack up in comparison, one country to the others? And where is international-standard health care more and most costly?

Where is it easier to open a bank account as a non-resident? Uruguay...or Belize? Where will you find more fellow English-speakers? Boquete or Cuenca?

Boquete, Cuenca, and Medellin are all mild-weather choices, but how does the climate compare one to the other?

Formulating a plan to retire overseas is all about making choices. Knowing that the cost of living in Cuenca is cheap doesn't help you much. Knowing that the cost of living in Cuenca is cheaper than in Granada but not as cheap as in Chiang Mai might.

In other words, my telling you that Granada, Nicaragua; Cuenca, Ecuador; and Chiang Mai, Thailand, are the world's most affordable places to think about relocating for a comfortable retirement right now doesn't really do you any good.

To take action as a result of any recommendation on my list, you need, first, to carry out some comparative analysis.

When I say, "you"...I mean, "we."

We need to help you compare and contrast not only cost of living, but also ease of establishing residency, ease of settling in and of setting yourself up, availability of medical care, cost of health insurance, concerns over safety and stability (including currency stability), risks associated with investing or doing business (exchange controls, for example)...

And we need to show you how options for ways to spend your Friday nights and your Sunday afternoons in Retirement Haven ABC compare with those for Retirement Haven XYZ.

We need to draw out both the pluses and the minuses, the advantages and the disadvantages, so that you can connect the dots and make your choices.

This, therefore, is our editorial mandate for this New Year. More comparative analysis, one country, city, town, beach to another.

This will be a driving thread in these daily dispatches, in my monthly Overseas Retirement Letter, where we consider specific destinations in full and focused detail, in my Panama Letter, where we thin-slice the best current options and opportunities in Panama, and in our conferences, where we take a warts-and-all, no-place-is-perfect, here's-what-your-new-life-in-Country ABC-would-really-be-like approach.

Here's to making 2012 the year you make all your live, retire, invest overseas dreams come true.

With our help.

Kathleen Peddicord

P.S. What else this week?

  • "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.

"With only a few exceptions, those who retired even very early retired successfully..."

  • "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.

"Bill ran some more numbers by me and asked me how soon I thought he'd be able to retire.

"'That's easy,' I said. 'Never...'"

  • "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?'

"I later learned that Jorge left his rural school in the third grade.

"These days Jorge has a wife and a couple of kids; they've never wandered farther than 100 kilometers from home. They've never been to Iguazu Falls, one of the world's great natural wonders, only a short distance away. They've never heard of California.

"I mention the above in the context of the New Year tradition of making predictions, which I'm doing this year, as I do each year, just like everyone else. You and I may find it useful to think about what might happen next year. You and I may find it useful to know what will happen in the stock markets, exchange markets, real estate markets. But Jorge's life will change very little. Jorge will continue to do his chores, maybe have a few more kids, ride his horse, maybe get bit by a cobra, and die.

"Here's our reality as we head into 2012: The U.S. government faces staggering budget deficits. A Wall Street Journal editorial estimated that, to balance the budget, American household earnings above US$75,000 would have to be taxed at 100%.

"America's education system rewards failure. Lawyers and courts, the government, Greens, and unions punish productive work. Government refuses to get serious about energy, about Social Security and Medicare, about the 50% of Americans said to be poor or nearly so.

"Many believe we're witnessing the collapse of Western civilization, and I tend to agree.

"Yet I remain optimistic about investment opportunities this New Year. Why?"...

Also This Week...from Resident Global Real Estate Investing Expert Lief Simon:

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. Fortunately, Panama grandfathered everyone who had already obtained legal residency. Costa Rica has changed their residency rules over the years without grandfathering current legal residents. (No more hate mail from Costa Ricans, please. Your country doesn't want more foreign residents...just tourists. It's time you faced this fact.)

Ireland had a constitutional referendum in 2004 to change the allowance for automatic citizenship-at-birth if you were born on the island. It was the last EU country offering such automatic rights of the soil. The impetus for change, as is generally the case with something like this, was abuse of the system. Pregnant women from Africa (mostly Nigerian, as I remember...we were living in Ireland at the time and watched this play out in real time) were coming to Ireland under refugee status.

Once they were on Irish soil, and had had their babies, they switched their status from "refugee" to "parent of an Irish born child," which allowed them to stay in the country indefinitely to support the child. It also allowed them to then bring the father of the child into the country, too.

In response, rather than changing the rules associated with refugee status, Ireland changed the rules related to citizenship by birth.

I'd guess that St. Kitts has increased the investment minimum for economic citizenship because business is booming. So many people are buying St. Kitts citizenship that they decided they were leaving money on the table. Russians are big clients for this offer, because the St. Kitts passport allows visa-free travel to many more countries than does a Russian passport.

Not only residency and citizenship rules, but tax rules, too, change often. The U.S. is in the midst of making big changes as a result of the HIRE Act. The new FACTA rules related to individuals and corporations will take effect after Dec. 31, 2012; the new rules related to foreign banks and banking are currently scheduled to go into effect Jan. 1, 2014.

Costa Rica has proposed changes related to how it imposes income taxes. Meantime, they've already increased their gas tax. Panama went from having no capital gains taxes to imposing one at the rate of 10%. Uruguay changed how they tax resident citizens in 2011 (taking separate action to exclude non-citizen residents).

One very recent tax change I find interesting took effect just this week, Jan. 1, 2012. It is a new tax on soda products in France that is expected to bring in 120 million euro in revenue this year.

So what is a global citizen to do? First, take action. Don't allow the ever-changing landscape to paralyze you. Do something. Start now.

Second, remain flexible. You can't possibly predict or prepare for all possible eventualities in any one country, much less on a global scale. No one can. So keep your mind open and create options for yourself. You want to be able to bob and weave.

Happy New Year.


April 7, 2011:

"Kathleen, our family of five is putting together a plan to live overseas. We'll be relocating from the United States to Latin America with three children, ages 12, 11, and 10, so education, elementary, high school, and university, is very important. We are having a difficult time finding information about schools in Argentina, Uruguay, Panama, and Belize, the countries we are focused on. Can you point us to sources to help us make our decision?"

--Matthew S., United States

I would take Belize off your list. There is but one international-standard school in this country, in Belmopan. Expats I've known in Belize with children have sent them elsewhere to boarding schools for their education beyond the first few years of primary school.

Panama, Argentina, and Uruguay all could be good choices. You'll probably want to stick close to a larger city, as this is where you'll find the best schooling options.

Panama City has many international schools, some where instruction is in English, some bilingual (Spanish/English), and one where the curriculum is French and directed by the French Ministry of Education. In addition, a new international school is opening in Coronado (on the coast outside Panama City), and there is an extension campus of another international school in Santiago, in the Veraguas Province.

In Uruguay, you'll find good international private schooling options in Montevideo, and Buenos Aires has three big, quality international schools.

We'll put you in touch separately with contacts in each of these three cities for more information.


"Kathleen, I don't know if you will get this or not, but I wanted to thank you. You are the reason we live in Boquete, Panama. You started sending us e-mails about three years ago. At the time, we recognized that things in the U.S. were going to get bad.

"I am married to a firefighter. Back then, we were living in a small town in the States, and we knew that, when we retired, we were going to be in trouble financially.

"We started our journey by reading your e-mails. Then we came and saw Boquete for ourselves. A year later, we decided that we should retire early because things were deteriorating quickly back home. We have a special needs son, and we knew that we had to make a change if we were going to feel comfortable about being able to provide for him long term.

"Rainelda Mata-Kelly is our attorney thanks to you. She is working on our visas. She has been wonderful, and we have refereed everyone to her.

"Thank you again for all that you write. You are making a difference in peoples' lives."

--Nancy Y., United StatesContinue Reading:

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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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