Articles Related to Mike sager

June 10, 2014

"Kathleen, having just spent 12 days in Ecuador, I can definitely state that the U.S. dollar is used there. The only difference is that they don't really care for dollar bills and instead prefer the US$1 coin! Another peculiarity is that the ATMs give you bills of all denominations—US$5, US$10, and US$20, unlike most U.S. ATMs."

--Steve P., United States


"Kathleen, I always enjoy and benefit from your letters.

"I would like to suggest to both you and to Lief that you check out and begin writing about Puerto Rico. As I expect you are aware, many affluent Americans are relocating there because of recent changes to Puerto Rico's tax code, which makes PR one of the most tax-friendly places in the world for U.S. citizens to both live and operate certain types of businesses.

"Many are now writing about this."

--Mitch M., United States

In fact, we reported on this in our Simon Letter service about a year ago.

And Lief has this week penned an update on the situation for readers of his Offshore Living Letter service.

Continue reading:


"'Why did you do that?' I asked him. I couldn't understand why he'd take on a new job. He had been so looking forward to his retirement.

"The guy explained that his pension from the U.S. Postal Service wasn't enough for him to live on. He needed to supplement it.

"That was a turning point for me," Mike continued. "I realized at that moment that I needed to make a big change in my life. Bottom line, I needed to take control of my life. I had no interest in going to work at Wal-Mart during my 'retirement.' This realization launched my long search for what to do instead...for a Plan B. Eventually that search led me here to Ecuador.

"Back in the States, I might be retired. I've reached that age. But now, after more than eight years living in Ecuador, I can't imagine that.

"I chose Ecuador because I perceived it as a land of opportunity, and there's no question, for me, that's what it has been. Rather than winding down and worrying about making ends meet in the States, I've completely reinvented my life so that I'm starting anew. I've lived all over this country. I've met a woman and fallen in love. I've started a new family...and a new business.

"I'm still an American, and I still love my country. But I'm very worried about what's going on back there right now, and I believe things are going to get worse. I'm not a doomsayer, but I'd say it's not completely out of the realm of possibility that things could go really wrong, in the States, even globally. That we could be faced with real disaster.

"If that were to happen...if disaster were to strike...I can't imagine a better place to be. Ecuador isn't reliant on the power grid the way that much of today's world is.

"When the electricity goes out in New York, for example, the city comes to a screeching halt. Well, Ecuador is already at a screeching halt. That's the status-quo here. If the power went out, life would continue as usual, as it has for centuries.

"If supply lines disappeared in the United States, what would you do to get the things you need to live, to survive? Here, supply lines are so basic. Fishermen load up their horse-drawn carts and deliver their fish to the markets. That kind of supply line can continue no matter what happens anywhere else in the world.

"I can't imagine a better place to ride out that kind of storm."

Kathleen Peddicord

P.S. We recorded Mike's complete presentation sharing the story of how and why he chose to retire to Ecuador as well as colorful insights into what his life here is really like. We're recording every other presentation over these three days, too--27 presentations in total, covering everything from how to start an export business in Ecuador (I'll share more on this in another dispatch) to how to shop for a rental...from how to purchase a home of your own in this country to how to get involved in your new community as a volunteer...from health insurance to residency options, tax liabilities, and where to learn to speak Spanish...and on and on.

When the final speaker leaves the stage today, we'll commence editing the recordings to create our all-new Live and Invest in Ecuador Home Conference Kit. Meantime, you can purchase your copy taking advantage of a pre-release discount that saves you a full 50% off the retail price. Details on the Live and Invest in Ecuador Home Conference Kit are here.Continue Reading:

Image source: A Flores López


Mike took off his pants and stood before the crowd in his sleeveless T-shirt and shorts.

"Now I'm ready to go to the beach," he said as everyone in the room laughed. He had our attention.

beachfront property in ecuador

"I've been living in Ecuador for more than eight years," Mike continued, "and I've hosted a lot of other American expats and retirees shopping for a place to live in this country. What I've found is that, for many of them, Ecuador's coast is more rugged and more rustic than they're prepared for. I want to say that from the start. Ecuador is a developing country. It has a long and amazingly beautiful coastline, but the beaches and beach towns along it are, likewise, developing. This isn't Panama or Costa Rica. There are no five-star resorts along this coast.

"That said," Mike continued, "there is one town that I'd recommend if you're looking for minimal culture shock, one spot that is more developed than the others.

"I'm talking about Samborondon, near Guayaquil.

"Now, Guayaquil reminds me of Mississippi. Muddy and flat. Hot and humid. I wouldn't recommend Guayaquil for anyone.

"However, not too far away is, again, what I'd say is one of this country's most beautiful and most comfortable waterfront lifestyle choices. It's not on the ocean but on the river. Still, I'd say that Samborondon is Ecuador's best-kept secret.

"Farther north along the coast is Salinas. This is 'the' vacation beach town in Ecuador. I call it 'Little Miami Without The Crime.' No drive-by shootings here.

"On the other hand, as I said, there are no five-star resorts here either. Well, there's one hotel that calls itself five star, but that's a stretch. Really, all the hotels in Salinas are mom-and-pop kinds of places. Salinas can get crowded, and it's also among the most expensive coastal options in this country at this point.

"Ayunque, on the other hand, 30 minutes north of Salinas, is a sleepy spot. Historically, this has been one of Ecuador's poor man's beaches, where the locals come for getaways and US$2.50 lunches.

"I enjoy Ayunque. I visit when I can for the lobster. But this is another typical Ecuadorean beach--that is, it's rustic, basic.

"Continuing up the coast you come to Mangaralto. This is a community being developed especially for expats and foreign retirees. This is going to be a place to enjoy a more developed standard of living, with infrastructure and amenities. A quarter-acre lot on the beach here is US$100,000.

"Now, that may not seem super cheap, but you have to remember how to process this. First, a quarter-acre beachfront lot is a very big beachfront lot.

"Second, while you may read in some places about US$10,000 beachfront lots in this country, the truth is that those don't really exist anymore. You can still find very cheap beachfront lots, but anything super cheap is going to be remote, off on its own, with no services, no infrastructure, and no amenities. You'd have to provide your own electricity, your own water, and your own sewage system. That's not for everyone. And the costs of bringing in those services yourself will make that cheap lot much less cheap.

"Continuing north along the coast, you come to Montanita. This is Key West from 20 years ago with a bit of New Orleans thrown in, the most eclectic, most bohemian beach spot in this country. Historically, this has been a surfer's beach, but today Montanita is attracting all kinds of folks looking to have a good time. This is a party town. Don't come here for peace and quiet.

"Olon, just next door, is a completely different experience. This is a tranquil 8-mile-long beach perfect for families and swimming.

"Then comes La Entrada, which is the northernmost beach spot along the stretch of this country's coast that I'd recommend. Why? Because this stretch of Ecuador's coast has less humidity and less bugs than farther north, where it's more tropical. Also, the sunsets along this part of the coast are killer.

"On the other hand, this part of the coast has an off season. Six months of the year, roughly June through November, this long stretch of coastline becomes seriously grey. It's overcast and rainy for days, even weeks at a time. Most real estate agents who take you shopping in this part of the country won't admit this. But it's an important thing to understand.

"The season is different down in Playas, closer to Guayaquil. So what I did, when I realized all this," Mike explained to the crowd, "was to buy a second little beach house. Now I spend half the year up north, near Salinas, and half the year down south, and I have year-round sunshine.

"One really interesting thing about this is that, while June through November is the off season in these beach towns in terms of weather, it's the peak season for the locals, because their kids are out of school. June, July, and August, therefore, are great rental months. If you had a beach house in this part of the country, you could rent it out those months while you were elsewhere enjoying the sunshine."

Kathleen Peddicord

P.S. Mike gave two presentations today--the first this virtual tour of Ecuador's top beach towns, the second sharing the details of his own experience living, raising a family, and starting a business in this country (I'll share more on this later).

Meantime, we recorded both of Mike's talks, just as we're recording every presentation over the three days of this week's event. The audio-recordings will be bundled with all the PowerPoint and other materials from every speaker (Mike's PowerPoint today included a series of great Ecuador beach photos) to create our all-new Live and Invest in Ecuador Home Conference Kit.

While the conference continues, you can order a copy of this one-of-a-kind and comprehensive Ecuador resource at a special pre-release rate that is a full 50% off the retail price. Click here for details on the Live and Invest in Ecuador Home Conference Kit.

Image source: Martin Iturbide, Quito


Expat information

If you're planning to move to a country where we host a conference, I say confidently and without hesitation that the best way to establish the in-country infrastructure you need is to attend that conference. Over nearly 30 years of covering this beat, I've watched and helped tens of thousands of people (no kidding) make this kind of move. Trust me. The most cost-efficient way to arm yourself with all the expat information and resources you need to make a success of whatever move you're planning is to spend three days with us at one of our live events. We'll introduce you to everyone you need to know, and each of these introductions will be based on personal experience and come with our personal endorsement.

The first resource you need is an attorney. Your attorney in the country where you're planning to live or retire is your most important ally, and finding a good local attorney, one who speaks English and who has had experience with expats and foreign retirees, should be your number-one priority once you've figured out where it is you intend to relocate. In Quito, we'll introduce you to two, our two preferred Ecuador attorneys based on years of personal experience in this country.

Next you need a banker and a local bank account. Again, in Ecuador, we'll put you in touch with the two banks we recommend.

You need help understanding and deciding among your residency options. In some countries, your residency application must be made for you by an attorney. Not so in Ecuador. In this country, you can manage the process entirely on your own if you'd like. Our residency experts will show you how.

Wherever in the world you decide you'd like to relaunch your life, you'll also need contacts to help you shop for a home (either to rent or to buy); to help you consider your health insurance options; to show you how to get your mail and set up utilities in your digs; to learn a little of the local lingo if you don't speak it already...

In Quito next month, we'll introduce you to real estate agents you can trust, as well as folks we trust to help you shop insurance (health, homeowners, car, if you need it) and put all the other pieces of your new life into place.

We'll also introduce you to the savviest Ecuador expat you'll find, Lee Harrison, with more than 11 years' experience considering and comparing the top retirement options not only in Ecuador but throughout all Latin America. Lee was one of Ecuador's pioneer expats 11 years ago when he and his wife chose to settle in Cuenca. He'll tell you why he still believes this city is the best choice in the region for the retiree looking to enjoy as comfortable a retirement as possible even on a very modest retirement nest egg.

In Quito next month, you'll also meet Mike Sager, who, like Lee, considered all the diverse lifestyle options Ecuador has to offer before making his move. Mike, though, chose to settle on the country's coast, at Salinas. He'll tell you firsthand about the life of a beachcomber expat in this beautiful place.

You'll meet David Morrill, another pioneer expat in this country, who has not only retired to Ecuador but started a successful business, too.

And you'll meet Jeff Stern, who moved to Ecuador with his wife and two young children in 2007. As Jeff explains, "We sold our house just before The Great Recession, packed up everything, and relocated to Quito."

Jeff and his wife weren't ready for retirement. They were raising a family and looking for business opportunity.

Jeff continues:

"After searching for market opportunities in Ecuador, both on-line and on-the-ground during numerous visits to Quito, we finally hit upon chocolate. I was an aspiring chocolatier and professional cook before we came. Our plan was to be the first high-end producer of sophisticated bonbons and other chocolate products for the local market..."

Nearly six years later, Jeff and his family are still in Ecuador enjoying this great adventure. I'll let Jeff tell you more about it tomorrow...

Kathleen Peddicord

P.S. Next month's Live and Invest in Ecuador Conference is nearly sold out. In fact, last week, it was sold out. However, Conference Director Lauren Williamson contacted the hotel and managed to arrange for a bigger meeting space. We were able to add 20 seats in the room. Of these, a handful remain available. Details on the Live and Invest in Ecuador are here.

P.S. What else this week?

  • Ecuador Correspondent David Morril writes:


Although Rafael Correa has been a controversial figure in his six years as president of Ecuador, most of the country's English-speaking residents will tell you that their lives are better because of him.

Almost certain to be re-elected to a second full term, Correa has pledged to continue the extensive agenda of public welfare and infrastructure projects already under way. These include expansion and reconstruction of the country's highway and bridge system, construction of new hospitals and hiring more doctors to support the country's Social Security health care system, and a top-to-bottom overhaul of public education. In all, spending on public projects has increased 300% since Correa was first elected.

Frequently criticized for his left-leaning politics, opposition to free trade agreements with the U.S. and the EU, and, more recently, his grant of asylum to WikiLeaks founder Julian Assange, Correa says he is working to reverse years of neglect of the country's public services and infrastructure.

He frequently invokes Alexander von Humboldt, the early 19th-century Prussian explorer and naturalist who described Ecuador as a "beggar sitting on a bag of gold." Ecuador must use its resources, he insists, to improve the lives of its citizens. With his background in economics, Correa knows that because those resources, especially oil and gas, are finite, the country needs to build a future based on an educated, healthy, and prosperous citizenry.

The government's public projects, in fact, are funded primarily by oil money. After Correa restructured contracts with oil producers in 2007 and 2008, he dedicated billions of dollars to public works. Other public funds are the result of increased revenues generated by higher levels of tax collection. Although his critics say he is spending too much, Correa points to a healthy national balance sheet that shows a growing GDP and a low level of debt in Ecuador...

  • We report often on the best places in Panama to retire well on little, spots--on the coast, in the highlands, and in Panama City, too--where you can enjoy a comfortable lifestyle on a modest budget, pointing out that, in some parts of this country, it's possible to retire on as little as US$1,000 a month or even less.


With that budget, you'd be enjoying a good but simple life, living more like a local than an expat.

On the other hand, at the other extreme, Panama is also a place where you can enjoy what could be described as a luxury lifestyle, the kind of life you could embrace in Manhattan or London, Miami or Dubai. The "penthouse life" you might call it, complete with waterfront two-story penthouses in buildings with saunas, spas, massage rooms, squash courts, and 24-hour concierge doormen and supported by five-star restaurants, trendy bars, and international-brand shopping (Tiffany, Hermes, Cartier, Rolex, etc.) nearby.

We spent four days in Manhattan over Christmas, indulging in that kind of life. We ate at steak houses with white-glove service, stopped for champagne cocktails, shopped Fifth Avenue, and ate US$20 hamburgers for lunch (once). By the end of the four days, Lief and I both were eager to move on. Who could afford to live like that indefinitely? Not us.

At least not us in Manhattan. However, here in Panama, we're realizing, not only is that standard of living available, but it comes at a price that many more of us can absorb.

Specifically, this kind of living is on offer on a little peninsula in the heart of Panama City called Punta Pacifica. On this spit of land, the highest-end of any high-rise towers in this city of high-rise towers have been built, including the infamous Trump Tower. In addition to ultra-modern, ultra-amenity buildings, this area has been developed to include real sidewalks (uncommon in this city), grassy medians (non-existent elsewhere in this city), park areas, and lots of trees and shrubs. As the final few of the towers to be erected here (it's a small area, so only so many buildings are possible) are nearing completion, it's also one of the least congested and quietest spots in the city. Everywhere in Panama City is under construction or renovation in some way, including in Punta Pacifica, but, again, the work in this small region is nearing an end, making Panama unique and accordingly appealing...

  • Paul Terhorst writes:


In predicting 2012 last January I said, "I've been investing for 40 years, and I've never seen a tougher call."

So naturally I went ahead and nailed nearly all my predictions.

I said the stock market would go up, and it sure did go up. We had a terrific year. In the United States, the S&P 500 climbed 13%, the NASDAQ a whopping 16%. International markets did nearly as well. Dividends largely cover inflation these days, so those numbers amount to real returns. Since the stock-market bottom in March 2009, the NASDAQ has climbed almost 140%.

I said energy costs would rise. During the year, the oil price shot up, then fell sharply, then nearly recovered by year-end.

I predicted a tough time for Europe but that the euro would survive. I went out on a limb on this one; most observers predicted the euro would disappear or that some countries would leave the eurozone. Instead European leaders bought euro bonds without limit, avoiding a crisis.

I predicted Obama would win the election, and that Congress would remain gridlocked. In the event, the House stuck with Republicans and the Senate with Democrats.

Finally, I saw a grim economy with slow growth. The U.S. economy grew by only 2% for the year, almost costing Obama the election.

Looking forward to 2013 I find market trends to be a much easier call...

  • If you could retire anywhere in the world, where would you go?


As we find ourselves at the start of a brand-new year, that's a question worth asking yourself, because we also find ourselves in a time when it's not only possible but easier than you might ever imagine to launch the retirement adventure of your fondest day dreams almost anywhere on earth that appeals to you.

Last week, I provided five suggestions for the world's top retirement havens for 2013. Now, here are five more beautiful, welcoming, and affordable places for expats to consider this New Year...

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

Assuming the seven countries still to vote grant approval, Croatia is finally set for entry into the EU. The admission of a new country to the union must be ok'd unanimously by all member countries, creating lots of opportunity for political dealing. Slovenia, for example, wants Croatia to drop a lawsuit demanding that Slovenia make good on €172 million in deposits lost by Croatia when a Slovenian bank went bust.

Croatia is a beautiful country with an energetic population, but right now it's also an economic mess. Over the past eight years or so, the country has worked tremendously hard to improve its infrastructure and to put its ducks in a row for EU ascension. At long last, the effort is nearing the intended payoff. If the vote goes as hoped (and expected), Croatia will enter the EU on July 1 of this year.

When I first visited Croatia in 2004, the country was expecting to be accepted into the EU by 2006. Then the date was pushed to 2009. Now it seems imminent but anti-climactic. Romania and Bulgaria managed to jump ahead of Croatia, entering the EU in January 2007. They were considered more important politically.

Back in 2004, when EU entry was anticipated for 2006, the country's real estate market (which is priced in euro) saw big activity and big gains. Of course, it was a different world back then. This was coincidentally also the height of the global real estate boom. Everyone in Western Europe was interested in owning in Croatia...including me. We bought a shell of a stone farmhouse built in the early 1800s. It's still waiting to be renovated. We last visited it about a year ago, and I was very happy to find, when we did, that my enthusiasm, both for Croatia and for the spot where we decided to buy (on the side of a mountain in Istria), were as great as ever. This is a place where I can imagine settling in happily and long term.

Croatia still has many challenges to address, including reducing corruption and lowering its unemployment rate, which sits around 20%. But the potential is there, a lot of it, both for tourism and as a retirement destination.

As in all markets worldwide, real estate values in Croatia have fallen since the 2006/2007 highs. However, as the mortgage market in this country was very limited, it hasn't experienced anything like the collapses that Ireland and Spain have been suffering through. Tourism is the shining star of the economy and continues to expand. Bottom line, I expect real estate prices to remain steady, especially in the key tourist destinations. Buying a small apartment or house to put up for short-term rental might net you a reasonable 5% to 6% return.

Thinking longer term, this country, once it has finally entered in to the EU, likely will have to streamline its residency permit process, which right now isn't easy to navigate. This will help the country to develop as a retirement option, especially among the Brits and West Europeans, who are always in the market for coastal sunshine. This is one asset Croatia has in abundance. Indeed, anyone looking for a sunny, mild coastal destination would do well to consider this country, which is very competitive in terms of both pricing and amenities on offer. With a long coastline and more than a thousand islands to explore, it's a boaters' playground.

If you had to choose among the distressed countries of southern Europe--Spain, Greece, Italy, Portugal, and Croatia--for a place to park some money in real estate, I'd say that Croatia offers the best short-term yield potential and long-term upside. Focus on the tourist regions.



When the living becomes intolerably difficult in one place...move to another! I'm not being flippant. I'm giving you the secret to realizing the retirement of your dreams.

Places to Retire Abroad

The first move is the hardest, I understand. You need options, and you need help. We're here to deliver both. Let's start with this: The situation is far less desperate than you may fear. You do not have to resign yourself to reducing your standard of living during this important phase of your life. You do not have to plan for two or three decades of scraping by and making do.

But you've already figured this out, I think. By signing on as a reader of these dispatches you've opened your mind to the possibilities. You've allowed yourself to begin to think outside the box and beyond your own borders. As you read this, because you're reading this, you are launching a new phase of your life...maybe the best one yet.

Where will your explorations and considerations lead you? You'll have to figure that out for yourself, but, in these virtual dispatches each day, we'll introduce you to the top possibilities worldwide...and then we'll lead you, step by step, your hand in ours, from wherever you are now to where you'd like to be.

As we stand today on the eve of a new year, where should you be focusing your thinking and your search? I made recommendations yesterday for some of the world's top options for 2013, including Panama, France, Belize, Ecuador, and Thailand...and I'll share more top picks for this New Year later on this week.

I realize, though, and I want to make sure you realize, too, that you aren't going to retire to Panama or Belize, to France or Thailand...and not to any other country either. You're going to retire to a neighborhood or a community, a region or a seaside town in whichever country you identify as your personal Shangri-la. Once you get serious about re-launching your life overseas, you realize that you've got to thin slice your options. You can't think about retiring to "Ecuador" anymore than you could think about retiring to the "United States."

What would that mean, to retire to the United States? What would the weather, the cost of living, the cultural distractions, or the scene outside your bedroom window be in the US of A? No way to answer that question, right? You could determine what the weather would be like in Scottsdale, Arizona...the cost of groceries for a couple of retirees in San Diego, California...or the view from your poolside patio in Naples, Florida...but you couldn't possibly answer those questions for the United States as a whole. Anymore than you could determine those particulars for any other country as a whole.

That's why our editorial mandate for choosing the best place to retire abroad in 2013 is all about thin-slicing. With this in mind, some introductions are in order.

I've been moving around the world with the focused agenda of identifying its best opportunities for living better and retiring well for coming up on three decades (yikes). I know a little not only about this beat, but also about this world of ours in this context. But I know some places better than others, and, I understand, I can't know everywhere well. That's where my far-flung, ever-on-the-move, and ever-expanding network of correspondents comes in. With the help of these savvy souls, this New Year, we're going to bring you more boots-on-the-ground, real-world, real-time, firsthand, and very thin-sliced glimpses of the world's top live, retire, and invest overseas havens.

If you've been reading for anytime, you probably know these folks already. Still, New Year's Eve is a time for reviewing and regrouping, so I'd like to take this chance to present:

  • Offshore investing guru Lief Simon. Lief is my husband, but, even if he weren't, I'd recognize that he's the real deal when it comes to moving your life, your money, your assets, and your business offshore. Lief has been embracing the global life for 20 years, and he's lived, invested, and run businesses in more than 20 countries, from Argentina to Chad, Nicaragua to Kazakhstan, Ireland to Panama, Spain to Panama, Thailand to the Philippines. Lief reports in his twice-weekly e-letter on where and how to diversify your life and monthly, in greater detail, in his Simon Letter subscription service. All of Lief's recommendations and counsel come from firsthand experience. Unlike many covering the "offshore" beat, Lief isn't reporting in theory; he's sharing hard-won, real-world wisdom born of two decades of living this lifestyle...
  • Intrepid Correspondent Paul Terhorst. Paul and his wife Vicki have been retired overseas for more than 30 years, since the tender age of 35. SmartMoney calls them the "George and Martha Washington of cashing out early." Paul and Vicki are long retired overseas, but they're retired nowhere in particular. They have spent extended time in Europe, in the Americas, and in Asia and currently write for these dispatches from Chiang Mai, Thailand. In addition, Paul writes a monthly retirement-planning column for my Overseas Retirement Letter, to help the would-be retiree overseas determine a budget and a financial plan for making his retire overseas dream a reality...
  • Latin America Correspondent Lee Harrison. Lee, too, took early retirement, more than a decade ago, at the age of 49. In the 11 years since, Lee and his wife Julie have been trying different Latin American options on for size, from Cuenca, Ecuador, to Montevideo, Uruguay, Itamaraca, Brazil, Medellin, Colombia, and beyond. In each case, Lee has not only become a resident of the thin-sliced havens he's identified as offering the greatest advantages, he has also invested in them. As a result, Lee knows more about where, how, and why to live, retire, or invest to Latin America than anyone else you'll find anywhere. You could meet Lee and ask him about his ongoing and still-unfolding adventures in Latin America in person at our Live and Invest in Ecuador Conference taking place in Quito in February...
  • Euro-Correspondent Lucy Culpepper. As Lucy likes to say, "not everyone is cut out for life in the tropics or the developing world." Lucy, a native of the UK, has lived in Spain and France and has traveled enough of the rest of the world to know that, for her time and money, nothing competes with the Continent. Lucy, therefore, covers the Euro-beat for these dispatches. She's also the Managing Editor for our Overseas Retirement Letter...
  • Asia Correspondents Wendy and David Justice. When Wendy was 5-years-old, her grandparents returned from a trip to Thailand, regaling her with exotic tales of the Far East. No surprise, therefore, that while she and her husband David have traveled extensively worldwide, Wendy's preferred beat is Southeast Asia, where she and David been living for the past seven years...
  • New Panama Editors Denis Foynes and David Sexton. Denis, who hails from Ireland, and David, from the East Coast of the United States, have recently joined our in-Panama Live and Invest Overseas team. Panama Letter subscribers can look forward to Denis and David's first co-edited Panama Letter issue in January...

In addition, in these dispatches and the other publications we offer, you'll also hear from Phil Hahn and Ann Kuffner in Belize; Mike Cobb in Nicaragua; Lynn Mulvihill in Ireland; Rich Holman in Colombia; Mike Sager in Ecuador; Steve Rosburg in Argentina; and Federico Fischer in Uruguay.

On behalf of the whole bunch of us, please accept my wishes for a healthy, happy, prosperous, adventure-filled 2013. May this year be the year that your live, retire, and invest overseas dreams all come true.

Kathleen PeddicordContinue 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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