Articles Related to Panama

 You can learn a lot about a place both from and by its taxi drivers. They're a top source of getting-to-know-a-city information and insights, and they're also a barometer of the mood of a place. In Panama City, taxi drivers are in a hurry. They honk their horns constantly. They weave in and out of traffic, from lane to lane, pushing for constant progress. They can't abide sitting still or even slowing down. They run traffic lights and ignore stop signs. They also tend to be unhelpful, even rude. A Panamanian friend describes them as "among the least appealing people on earth." I can think of a handful of exceptions, but, in general, I'd agree with my friend. 

In Medellin, the taxi drivers, like their city, are gentler and calmer, happy to stop to offer directions or even to chat. In Medellin, you rarely hear the honking of a car horn, not by a taxi driver and not by anyone else either. It's also worth noting that, in Medellin, taxis are not only ever-present, but also always painted yellow and metered, unlike in many of the places where we recommend you spend time. Again, orderly... genteel. 

Medellin is impressively green, with trees, plants, and small gardens everywhere, and remarkably clean. In the central neighborhoods, you see no litter. The metro, a point of pride for the local population, is spotless and like new. At every station and in every train we've ever ridden, I've looked for but have been unable to find even a cigarette butt or piece of gum on the ground. 

Panama is working hard to clean up and green up its capital city. The long stretch of parkland along the bay known as the Cinta Costera has dramatically changed the face of Panama City for the better. Still, while one might describe Medellin as genteel, an appropriate adjective for Panama City might be gritty. 

Walking around Medellin outside the central tourist zone, Lief and I feel like an anomaly. This is less and less true, as Medellin becomes more discovered by expats and retirees. However, in Panama City, Americans are everywhere. We have been part of the landscape in this city for a hundred years. 

From a cost of living perspective, these two cities are generally on par... depending on the relative strength of the Colombian peso. Right now, the U.S. dollar is at a five-year high versus the peso, meaning the cost of living and of buying real estate in this country is cheaper than it's been for a long time. This is a window of buying opportunity. We watch this, looking for opportunities to change dollars into pesos to cover carrying costs for our apartment in Medellin.

In Panama, where US$1 is US$1, this isn't an issue. This means no particular windows of investment opportunity, as we're seeing right now in Colombia. On the other hand, if you intend to retire on an income fixed in dollars, this can be an important plus. 

Both markets offer interesting real estate opportunities. The real estate market in Panama City, after settling post-2008, has begun to appreciate again. Today, you can buy the best this market has to offer for US$1,500 to US$2,200 per square meter. A year from now, this will not be the case. Central Panama City values are going to move up steadily from here for the next few years. 

In Medellin, meantime, you can own in El Poblado, considered the best address in the city, for as little as US$1,000 per square meter right now (resale), thanks to the dollar's surging buying power. In less central, more local neighborhoods, you can buy for less. The real estate market in Medellin reminds me of the market in Panama City when we first began paying attention to it more than a dozen years ago. 

Panama is one of the world's most welcoming countries when it comes to establishing residency. In Panama, the would-be expat, retiree, or entrepreneur has more than a dozen options for how to establish full-time residency, including the "Friends of Panama" visa option, which amounts not only to the most user-friendly, turn-key residency option in the world today but also the most user-friendly, turn-key residency option in the history of residency options. Plus, it can lead to a work permit, which is a big deal. 

Colombia, too, though, offers good foreign residency options, including one for pensioners and another for investors. The minimum investment requirement in each case can be less than for comparable options in Panama, especially, again, right now, as these are Colombian peso costs.

One practical matter that is not as straightforward in Colombia as it is in Panama is opening a bank account. It's difficult to impossible as a foreigner to open a local bank account in Colombia unless you have a personal introduction to the bank. If someone tells you otherwise, they're speaking optimistically. 

The alternative is to open an account with what's called a "fiduciary," the local equivalent of Charles Schwab. Unlike opening a bank account, this is straightforward and a reasonable strategy for dealing with local bills. The downside is that transaction fees can be high. 

The other downside to Medellin compared with Panama City is that few in Medellin speak English, whereas, in Panama City, it's possible to get by speaking no Spanish. 

In addition, Medellin (again, very unlike Panama) is not a tax haven, and taxes are high. Living here, your tax burden could increase, depending on your nationality, where you hold legal residency, and where your income comes from. The country even imposes a wealth tax (after five years of residency). Note, though, that moving to Colombia with only retirement income should be a tax-neutral event. Colombia, like most countries, doesn't tax foreign retirement income. 

Unlike Panama, Colombia imposes exchange controls. These are manageable if you plan and execute any investment in the country carefully and correctly. But, again, they're not an issue at all in Panama.

Bottom line, here's how I'd break all this down...

Panama City Versus Medellin:

Cost Of Living: It's a tie, more or less, depending on the relative strength of the Colombian peso. Right now, Colombia is notably more affordable for dollar-holders...

Cost Of Real Estate: As much as 60% less expensive in Medellin...

Climate: Way more comfortable in Medellin...

Quality Of Life: This is completely subjective and impossible to pin down. Nevertheless, I'll go out on a limb and say that the overall quality of life is more appealing in Medellin than in Panama City...

Ease Of Residency: Panama is one of the easiest places in the world for a foreigner to establish full-time legal residency, especially if he comes from one of the countries included in the "Friends of Panama" visa program. However, Colombia is also a very straightforward option in this regard and has been working hard these past few years to make the process ever-easier. For sure, the cost of establishing residency is lower in Colombia than in Panama...

Ease Of Banking And Doing Business: Here, Panama wins, with its international banking industry (the exchange-of-information treaty the country signed with the United States in 2010 notwithstanding); its lack of any exchange controls; the absence in this market of any currency exchange risk (as Panama uses the U.S. dollar as its currency); and its greater prevalence of English-language speakers...

Infrastructure And Accessibility: Another tie...

Taxes: Panama is the screaming champion on this score, a true tax haven, while Colombia qualifies as a high-tax jurisdiction, with, for example, a corporate tax rate as high as 33%. Again, though, if you're a retiree making a move with retirement income, you probably don't have to care about this...

Health Care: Top notch on an international scale in both cities... 

Ease Of Settling In: Panama City is a kind of halfway house for expats, a very easy and comfortable first step overseas. Medellin is more an emerging expat destination, though it is more discovered and therefore easier to navigate as an expat or foreign retiree all the time. Bottom line, though, Colombia is more challenging in this regard unless you speak Spanish...

Which city might be better for you? 

I couldn't say. As I remind you often, it depends on your personal circumstances, your priorities, and your preferences. What is your current situation and what kind of experience are you looking for? 

I can tell you that we've decided not to try to choose but, instead, have worked over the past few years to incorporate Medellin into our long-term retire-overseas plan. As a friend in Medellin, another expat who also divides his time between that city and Panama City, put it recently: "Do business in Panama City but live in Medellin. That's the ticket..." 

Lief and I would agree. 

Kathleen Peddicord

Editor's Note: We opened registration for our 2015 Live and Invest in Colombia Conference last week. As of this writing, 8 VIP attendee places remain available. Register now to enjoy special discounts and VIP perks.

Full details of the program we've conceived for this timely event are here

You can reach our conference team with your questions by phone toll-free from the United States at 1-888-627-8834 or by email here.

P.S. What else this week?
  • The Porte de Clignancourt has been called a "no-go zone" northeast of Paris. Publisher Kathleen Peddicord clarifies that it's still the welcoming shopping neighborhood it's always been:
"Porte de Clignancourt, where we landed unexpectedly that day about six weeks ago, is a busy, crowded neighborhood historically famous for its marché aux puces, the biggest antiques market in the world. More recently, this area at the end of Paris Metro line 4 has become known for other reasons..."
  • Retirement planning expert Paul Terhorst explains how, living or retired anywhere in the world, one way to continue your education is through free massive open online courses:
"So I took these three courses. You can choose from hundreds of others. I took my courses with friends around the world and suggest you do the same. You can exchange emails about what you find exciting, novel, or perplexing. Give it a try. It's free..."
  • Kathleen makes a bold recommendation, one of the surest she's ever made:
"Medellin, Colombia, meets all my criteria for a top retire-overseas choice. This is an emerging champion for retiring, living, investing, and owning a second home overseas. Furthermore, the current exchange rate is handing today's buyers shopping with U.S. dollars a whopping 32% discount off the cost of real estate in this country and 32% off the cost of everything else, too..."
  • Correspondent Lee Harrison looks at Cartagena, Colombia—a top retirement option on the Caribbean:
"As a long-time expat and writer, I've had the chance to visit dozens of the best colonial cities in the Americas. Among Spain's grand cities on our side of the ocean, I'd say that Cartagena is the most beautiful, with a lot to offer the potential expat..."

Plus, From Lief Simon This Week:

When I bought my apartment in Medellin, Colombia, I wrote that I don't try to time currency exchange rates when investing in real estate. I can't predict which way exchange rates are going to move any more reliably than anyone else can, so I don't try. A reader at the time wrote in to say that my position was silly and that he was going to wait to invest in real estate in Colombia until the exchange rate was where he wanted it to be.

Three-and-a-half years later, the rate of exchange between the U.S. dollar and the Colombian peso has moved dramatically in favor of the U.S. dollar-holder. Your U.S. dollars buy about 35% more right now than they did in mid-2011, when I bought my apartment. During that same period, property values in Medellin have increased by at least 35% in peso terms. The guy who was waiting for the currency to move in his favor should feel comfortable buying right now. On the other hand, he's going to pay 35% more in peso terms than I did when I bought. And I've had use of and rental income from my apartment in the meantime.

The guy who could have and who should have bought in 2011 aside, the current exchange rate is an opportunity to buy into what is a solid and appreciating market at what amount to 2011 U.S. dollar values.

The local economic dynamics remain strong. The middle class is expanding. The economy is growing. The government is stable. Perhaps most important for the investor, the 2015 global perception of Colombia is dramatically improved compared with the 2011 global perception... and it continues to improve.

Colombia has launched a tourism marketing campaign focused on showcasing the beauty of the country. Forget our troubled past and take a look at all we've got to offer, Colombia is telling the world. More foreign tourists are visiting... more foreign investors are investing.

The cost of an apartment in Medellin has appreciated 5% to 10% a year for the last four years and longer. Still, property prices in this city have remained a great bargain compared with prices in other major cities throughout Latin America. Since last October, when the U.S. dollar began its move on the Colombian peso, those bargain per-square-meter Colombian peso prices have converted to ever-greater bargains in U.S. dollar terms. Right now, as I've said, property prices when converted to greenbacks are close to 2011 levels.

This is the time to be shopping.

Focus on El Poblado in the heart of the city. Apartments here are most rentable, for this is where tourists and expats migrate, meaning big and diverse rental pools. 

El Poblado is also the high-rent district. Each neighborhood in Medellin is broken down into what are referred to as "strata," numbered from 1 to 6. Strata 6 is the highest level. In strata 6 neighborhoods you find the most expensive properties and the highest levels of services, as well as the highest associated expenses. Property taxes, electricity rates, and other property-related costs increase strata by strata. El Poblado properties are mostly stratas 4 and 5. 

El Poblado is your best bet for a property purchase in Medellin, but it's not the only part of the city that can make sense. Other, more affordable neighborhoods to consider include Laureles (another neighborhood in the city) and Envigado (the suburb just outside the city, on the edge of El Poblado).

Office space, commercial space, and even condo-hotel rooms are other real estate options that can make sense in this market. With the economy remaining reasonably strong (growth of 4.2% in 2014 and projected growth of 4% for 2015), I expect property values to continue their steady appreciation of the past half-dozen years.

I still can't predict the direction of currency markets, including this one. The U.S. dollar could continue to strengthen against the Colombian peso, or it could fall from the current 2,350 back into its general trading range of the last five years (between 1,750 and 2,050). 

Regardless, real estate in Colombia, in particular in Medellin, is a smokin' deal in U.S. dollar terms right now. Take action while you can.

 

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Twinkling lights and decorated shop windows. This time of year, storefronts throughout Paris are draped with pine garland, and displays feature green trees flocked with white and trimmed with red and gold baubles. No one does shop windows like the French do shop windows, and no others compare with the shop windows of central Paris at Christmastime.

My fondest memory of Christmas in Panama, where we've been living for the past five years, is of our son's annual Christmas pageant.

Jackson, now 15, attends Panama City's French school, l'Ecole Paul Gauguin. Four years ago, this meant he went to school with about 75 other children. Today, Jack is part of a student body that numbers more than 800. I was surprised when we arrived to discover that Panama's French school had 75 students, many, also surprising to me, Panamanian. Why would a Panamanian family, living in Panama City, choose to send their children to a French-language, French-curriculum school? I still don't know the answer to that question, but today dozens more Panamanian families are opting for this approach to educating their kids.

Of course, all the students at Paul Gauguin aren't Panamanian. Jack is one of the few Americans. In addition, there are kids from families that call themselves Spanish, Mexican, Colombian, Irish, English, German, Chinese, Japanese, Canadian, and, yes, French. The parents of these wandering youngsters are in Panama as entrepreneurs, like Lief and me, or because the international companies they work for have placed them here. And, again, their numbers have increased tenfold while we've been part of the charming community they create. 

L'Ecole Paul Gauguin is growing, and Jackson is growing with it. 

Jack came to me earlier this month to tell me he needs a red Santa hat and a green polo shirt. Would I please find these things for him at the mall?

"Ah, for your Christmas pageant?" I asked, excitedly. "Great. When is it? Dad and I always really enjoy the show."

"Parents of the older kids don't really come to it, Mom," Jackson responded. "Only the parents of the little kids come to watch. I just need you to get me the hat and the shirt."

Our first year in Panama, Paul Gauguin's Christmas pageant took place in the 300-year-old Teatro Anita Villalaz in the center of Casco Viejo's Plaza de Francia. Even back then, when the student body was much smaller than it is today, it made for as eclectic a collection of small children as you might ever find. Jackson introduced us to his friends from all over the world, some have names I couldn't pronounce even after Jackson repeated them for me three or four times. Finally, embarrassed for me, he gave up, suggesting that, if I have something to say to a particular child, he'd be happy to relay the message for me. 

Some of these children, then and now, have lived in three or four other countries already, though they've only barely begun their little lives. Most speak Spanish and French; others also speak English, Italian, German, Japanese, Chinese... They switch among languages effortlessly and manage to communicate among themselves cheerfully and with far less misunderstanding than you might expect. 

That first year, on stage in the grand old theater on the Plaza Francia, the young but worldly bunch from l'Ecole Paul Gauguin, Jackson among them, performed Christmas songs in Spanish, French, and English, including some we recognized and many we didn't. 

"Children in Palestine and children in Israel, children from the Americas and also from China, this day, let us think only of Christmas," began one song in French. 

At Jackson's birthday party last month, I had a chance to speak with some of his classmates' moms. Some have husbands working with the UN and other international organizations who have been posted in Panama for a year or two. Others are here for work related to various of this country's many infrastructure projects. They and their children have migrated to Panama from Mexico City or Caracas, Buenos Aires or Santiago, Paris or Madrid... 

Lief and I worry sometimes about the life Jackson is living. Born in Ireland, he's since lived (and gone to school) in Paris...and now Panama City. He's an American by birth though his only experiences of the United States are his annual visits to see his grandmother and cousins in Baltimore. If you were to ask him, Jack would tell you that he's Irish, with the second passport to prove it. I wouldn't call him American or Irish or French either, though the parents of his friends are shocked always to discover that Jackson's parents are American, not French. "But Jackson is French, is he not?" they ask us, trying to make sense of Jack's perfect Parisian French in the context of our American English.

"No, he's American, like us," I explain, not sure how else to describe him.

Jackson is a little guy without a country but embracing the world. And, at the French school in Panama City, he's found about 800 other little guys and girls just like him who, one evening each year, join together to fill the tropical night with the sound of Christmas songs from around the world.

We'll spend Christmas Day this year with my family in Baltimore, my home town. I appreciate the chance to return to the place from which I launched my adventures overseas some 17 years ago at this time of year, the season for remembering and for taking stock. Where will 2015 lead us? I can't wait to find out.

On behalf of the entire far-flung staff of Live and Invest Overseas, please accept our warm and heartfelt wishes for a Merry Christmas, wherever you find yourself enjoying it this year, and our sincere hope that 2015 is the year your far-flung dreams of adventure overseas begin to come true.

All the best from our family to yours. We so appreciate your coming along with us for this ride.

Merry Christmas!

Kathleen Peddicord

Continue Reading: Two-Tiered Property Market In Belize

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That's not a high hurdle. The trouble is that you're going to be hard put to find a piece of real estate for sale in this country for anything like US$10,000...or even two or three times that amount.

However, a colleague has put together an offer that allows you to purchase a plot in a Panama teak plantation for US$15,200 (plus an additional $2,800 for the residency visa costs). 

Specifically, for this price, you're purchasing 1,000 square meters (about one-quarter acre) of planted teak that will be ready for harvest in about 10 years. This is an extremely attractive offer that not only qualifies you for the Specific Countries residency visa program but that also gives you a productive land investment of titled land in your own name.

Annualized returns for the teak, once it's been harvested, are projected to be between 8.79% and 10.94%. The actual returns will depend on teak prices at the time of harvest as well as whether the trees are sold as logs or lumber (making the initial rough cut to lumber can add value). The lowest projected return of 8.79% is based on today's teak prices. 

This is a fully turn-key opportunity. The plantation owner will continue to manage the land and trees. They'll organize the harvest and sell the trees. 

The investment cost of US$15,200 is the lowest I know of for any investment residency program currently available for any country. The other (still valid) investment residency options in Panama range from US$80,000 (for the reforestation visa) up to US$300,000. And, as I've explained, none of the other options (with the exception of the pensionadoprogram) result in immediate permanent residency.

If Panama residency is something you've been contemplating, or if you're shopping for an easy backup residency to have on the shelf "just in case," I can't imagine a better current option if you don't qualify for Panama'spensionado program.

Even if you do qualify for the pensionado option, this Specific Countries option is worth consideration. A teak investment is relatively low-risk. The downside is the time it takes for the trees to mature. In this case, however, you're buying into an already planted farm. In fact, you're buying trees past the halfway mark to harvest. You're also buying in well past the danger stage (for fire or insects). Teak is relatively impervious to these risks after three years of growth.

And, as the residency is the real endgame here, the potential return on investment is gravy.

As a year-end incentive, the developer is offering a US$1,000 discount to any Live and Invest Overseas reader who reserves a parcel by Dec. 31, 2014. That makes the teak investment just US$14,200 and would change the projected IRR range to 9.53% to 11.86%.

If you're interested in learning more about how you can take advantage of this low-cost option for obtaining quick, turn-key Panamanian residency,inquire here.

Lief Simon

P.S. We opened registration for our 2015 Live and Invest in Panama Conference 48 hours ago, and already the first-come, first-serve VIP places have nearly been filled. 

If you'd like to come see for yourself all that's going on down here in the Hub of the Americas, I recommend that you get in touch now. You can reach our Conference Team by email here or by phone toll-free from the United States at 1-888-546-5169.

More details about the event we're planning are here.

You can register online here. Continue Reading: Planning For Retirement To Panama
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For it was from this bit of coast, specifically from the town of Portobelo (the featured destination for this month's issue of my Panama Letter), one of the discoveries of Christopher Columbus, today about a half-hour east of Colon, that the 16th- and 17th-century Spanish coordinated the return of their plunder from the New World to the old one. At one time in history, more than one-third of all the world's gold and silver passed through this town, where it was weighed and counted in the mammoth customs house (still standing) before being shipped back to Spain. All this wealth coming and going made Portobelo a tempting target, for both the British throne and British pirates, which explains Spain's investment, four centuries ago, in the impressive fortifications that surrounded Portobelo, including Fort San Lorenzo (also still standing).

Alas, the Spanish forts weren't enough to keep the British at bay, and, eventually, the Spanish decamped. They moved their plundering operations from Portobelo to Cape Horn. Portobelo turned from boomtown to ghost town and, in the centuries since, has settled into quiet obscurity.

Meantime, a half-hour west, in 1850, Colon was born, in response to Gold Fever in California. The town was established as the Caribbean terminus of a rail line that allowed would-be gold diggers from the U.S. East Coast to cut through Panama as a means of reaching the U.S. West Coast. In this pre-Canal age, this route was far preferable to the alternatives...a journey through Indian Territory or a boat trip through the Strait of Magellan. 

By the late 19th century and through the start of the 20th century, Colon residents, benefitting from all the Gold Rush cash flowing through their city, earned a deserved reputation as elegant, even posh. The town was home to more than a dozen theaters and cinemas and several cabarets, one of which hosted Evita Peron. As recently as 50 years ago, this architecturally rich city was recognized as a music center and the location of the best Carnaval celebration in Panama. 

Visiting Colon today you'd have trouble guessing at any of that impressive history. Colon today is home to the country's Free Trade Zone and part of the Panama Canal. The province provides 15% of the country's total GDP. Yet, like Portobelo before it, this city has fallen into utter ruin. Unemployment in Colon is as much as 12%, while it's 3% on average nationwide.

We predict, however, that we are on the eve of change in this part of this country and see early signs of emerging opportunity. Colon is the other place in Panama, along with Casco Viejo, where you find a sizeable inventory of colonial-style and architecturally interesting, historically important buildings. Investors have been buying and restoring the old colonial structures in Casco Viejo for 15 years, and prices in that old-town neighborhood have risen accordingly. It's hard now to find a bargain or even a good deal in Casco Viejo.

Meantime, nobody's been paying any attention to Colon. The new administration, though, has shown an interest in supporting a renaissance in this city. This has gotten our attention and might be interesting to you, too, if you, like us, appreciate historic architecture and path-of-progress opportunity. 

Kathleen Peddicord

P.S. Registration opened yesterday for our 2015 Live and Invest in Panama Conference, the only Panama country-specific event on our 2015 calendar. Already, half of the first-come, first-serve VIP places have been filled. 

If you'd like to come see for yourself all that's going on down here in the Hub of the Americas, I recommend that you get in touch now. You can reach our Conference Team by email here or by phone toll-free from the United States at 1-888-546-5169.

More details about the event we're planning are here.

You can register online here.

Continue Reading: Early Bird Discount Extended For January Live And Invest In Belize Conferences
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What has kept you here all these years since?

I am drawn to wild and elemental places, and that's the connection I've made in Panama, to the natural environment. There are obviously challenges and frustrations that go along with living in such a remote and undeveloped place, but, for me, the raw potential of this kind of environment makes it worth it.

Before Venao, I lived in Bocas del Toro. That part of Panama reminded me of Hawaii 20 years ago. Great surf and relaxed island lifestyle. I met my wife in Panama City, and we had a long-distance relationship for about a year while I was in Bocas. Then I moved to the city to be with her, but that didn't work for me. I prefer to be in more rural surroundings.

Finally an opportunity presented itself for me to manage a development project on Playa Venao. I jumped at the challenge and haven't looked back since. My front yard is one of Central America's most consistent waves, and my backyard is a tropical paradise. 

Playa Venao is a really special part of Panama. My wife and I discovered it in 2005. We used to drive down on the weekends to surf. We'd camp on the beach. Eventually, we bought a piece of land in the foothills overlooking Isla Cañas. My plan is to turn it into a permaculture farm one day.

I like the buzz that is developing in this area, like being part of it. Tourism is increasing, people are arriving to open small businesses. Development is progressing from Pedasi south along this coast.

Venao and Tonosi are still quite remote, though, aren't they? What is it like to live there?

More expats are moving to this part of Azuero all the time, and it's much easier than it used to be to get what we need. We can get some things in nearby Pedasi. It's about an hour's drive to Chitre for "big city" supplies and services. 

I keep a condo in Panama Pacifico, near Panama City, for when I get cabin fever.

Do you miss anything about the United States?

My family, of course, but not really anything else. I have friends and family all over the States and get back a couple of times a year. Plus friends and family come to visit us on average once a quarter.

What is your biggest day-to-day challenge?

Bureaucracy. Every time you want to get something done officially, you have to allow two or three visits. It is easier now than a few years ago—more transparent and easier to get business done—but it is still frustrating. You need to bring all of your patience and flexibility with you.

What is it that keeps you here?

Life is a lot less structured here—more relaxed, not so intense. It feels like going back in time compared with life in the United States. I feel it keenly whenever I go back to the States. Everything there is so controlled and structured. Seriously unrelaxing.

Kathleen Peddicord

P.S. Today we open registration for our 2015 Live and Invest in Panama Conference, the only Panama country-specific event on our 2015 calendar.

The first-come, first-serve VIP places are filling in record time. If you'd like to grab one, get in touch now. You can reach our Conference Team by email here or by phone toll-free from the United States at 1-888-546-5169.

More details about the event we're planning are here.

You can register online here.

Continue Reading: Residency And Citizenship Requirements In Ecuador, Panama, Colombia, And Ireland
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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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