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      Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

      • Spain
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      • Browse All Countries

      Best For:

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      • Health Care Abroad
      • Cost Of Living
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      • Safest Places For Retirement
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    • Budgets

      How Much Will It Cost You To Live Overseas?

      The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
      • La Rochelle, France
      • Mazatlán, Mexico

      Luxury

      • Ambergris Caye, Belize
      • Kotor, Montenegro
      • The Panama City Beaches
      • Paris, France
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        Buying Real Estate For Cashflow

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      • Home
      • Countries

        Top Destinations:

        Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

        • Spain
        • Portugal
        • Panama
        • Belize
        • Colombia
        • Cyprus
        • Mexico
        • France
        • Montenegro
        • Browse All Countries

        Best For:

        • The Best Places To Retire
        • Health Care Abroad
        • Cost Of Living
        • Investing in Real Estate
        • Establishing Residency
        • Gun Laws In The World
        • English-Speaking Countries
        • Safest Places For Retirement
        • Best Places In Latin America
      • Budgets

        How Much Will It Cost You To Live Overseas?

        The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

        Super Cheap

        • Chitré, Panama
        • Santa Marta, Colombia
        • Phuket, Thailand
        • Dumaguete, The Philippines

        Cheap

        • Medellin, Colombia
        • Boquete, Panama
        • Kyrenia, Cyprus
        • Hua Hin, Thailand
        • The Algarve, Portugal

        Affordable

        • Valencia, Spain
        • Cascais, Portugal
        • Las Terrenas, The DR
        • Pisa, Italy
        • La Rochelle, France
        • Mazatlán, Mexico

        Luxury

        • Ambergris Caye, Belize
        • Kotor, Montenegro
        • The Panama City Beaches
        • Paris, France
      • Resources

        Global Living

        • Living & Retiring Overseas
        • Raising A Family Abroad
        • Foreign Residency & Citizenship
        • Offshore & Diversification

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        Join our Weekly Newsletter
        Overseas Property Alert

        Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






          We Value Your Privacy! We will not share your email address with anyone else, period.

          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

          Explore Our Latest Posts

          • Learn how to invest and purchase property abroad…

          Go To The Overseas Property Alert Site

          • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
        • Conferences

          Upcoming Events

          • Explore Our Events Site

          International Property Summit

          Caribbean Virtual Conference

          Live and Invest In Spain Conference

          PANAMA CITY, PANAMA

          June 18-20, 2025

          VIRTUAL

          July 17-19, 2025

          Valencia, Spain

          Sep. 17-19, 2025

          LEARN MORE
          LEARN MORE
          PRE-REGISTER
          LEARN MORE
          PRE-REGISTER
          • MORE EVENTS

          Contact Our Events Team

          Toll-Free U.S. and Canada:
          1 (888) 627 8834
          From Outside North America:
          1 (443) 599 1221
          Working Hours
          Monday – Friday 08:00 am – 17:00 pm EST.

          Reach us with your questions by email at: events@liveandinvestoverseas.com

        • Store

          Unlock The World

          • Access Your Library

          Overseas Havens Reports

          • Expats' comprehensive destination guides

          Conference Kits

          • Hours of coverage  from our latests conferences

          Lahardan Books

          • Titles on living and investing around the world
          • Explore Our Store
          Your passport to a life well-lived abroad

          Services

          overseas living letter offers affordable retirement guidance
          The Simon Letter Wealth Protection Insights
          Global Property Advisor Global Investment Opportunities

          Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

        • My Library
        Live and Invest Overseas
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          Home Countries Ireland

          The Biggest Lesson Of My Move To Waterford, Ireland

          The Way Forward

          by Kathleen Peddicord
          Jul 19, 2024
          in Ireland
          0 0
          Reginald's Tower Waterford Ireland

          Adobe Stock/pixs:sell

          From Panama to Paris I flew for the weekend… Then early this morning I was on a plane to Dublin, from where I write. Then, I’m southbound to the main event: A week in Waterford.

          The Live And Invest Overseas team has expanded to include a secondary base of operations on the Emerald Isle.

          For Lief and me, it’s like returning home after too long away.

          Twenty-five years ago, Lief and I pulled up stakes—me from Baltimore, him from Chicago—and moved to Waterford, Ireland.

          Retire overseas has long been my beat but not my personal agenda. Lief and I arrived in Waterford with a business plan. We’d come to establish our first EU base.

          The Challenge In Moving To Waterford, Ireland

          Those early years in Ireland, we pushed ahead, stubbornly, persistently, enthusiastically, through challenge after challenge.

          We’d wanted to establish an office for a direct-marketing publishing company, but no such industry existed in Ireland. Hardly any industry whatever existed in Waterford.

          The Celtic Tiger was coming into its own, but Waterford was beyond its roar. The pool of available local labor was thin.

          For marketing, fulfillment, and editorial support staff we hired people with no relevant experience. They’d worked as receptionists in hotels, hands in local stables, cashiers in local shops.

          We tried to identify people who seemed to want to learn and then set about trying to train them.

          Staffing our fledgling office was tough and so, too, was just about everything else, including finding the office in the first place. We didn’t want to be located in the new “industrial park” being built on the outskirts of Waterford City. It looked like a prison compound to me. However, other options for commercial space, like options for staffing, were limited.

          Opening a corporate bank account, getting a company credit card (uncommon back then), finding an Irish tax accountant to keep us compliant, drafting employment contracts (which, we were instructed, had to allow for things like regular tea breaks)… all these administrative tasks were a struggle.

          Meantime, Lief and I, recently married, were struggling on every other front, as well…

          Struggling to solidify our new family unit… Struggling to adapt to life in a new city…

          Start Your New Life Today, Overseas






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            A world full of fun, adventure, and profit awaits! Sign up for our free daily e-letter, Overseas Opportunity Letter, and we'll send you a FREE report on the 10 Best Places To Retire In Style Overseas In .

            And, struggling to communicate our situation to those in the home office back in Baltimore.

            They couldn’t understand how or why it was taking so long to do simple things like rent office space, open a company bank account, and hire start-up staff… and we couldn’t adequately explain the delays, because we didn’t understand them ourselves.

            What Moving Has Taught Me

            View of the seaside town of Dunmore East, County Waterford, Ireland.
            Adobe Stock/David

            Today, 25 years and a series of starting-a-business-in-a-foreign-country-from-nothing experiences later, I can explain. Someone who hasn’t done it isn’t going to understand, but it’s just the way it goes.

            Way back when in Waterford, I was among those who hadn’t done it. I didn’t know yet that the only way through the challenges is through them.

            Perseverance is a critical prerequisite for the successful entrepreneur abroad.

            A year after we’d landed in Waterford, I’d about had it. I was worn out trying to teach a bunch of sometimes-interested folks how to build and run a direct-marketing publishing operation…

            Worn out by social charges, Bank Holidays, twice-daily tea breaks, bankers who didn’t return your phone calls, tax auditors who’d never heard of the business we were in and I couldn’t make heads or tails of our financial statements…

            I was lonely for people who understood what I was saying without endless background and context. I wanted to be among folks who’d shared at least some of my experiences, personal and professional.

            Telling every story from scratch every day… about how to produce a magazine, how to publish a book, how to sell a subscription, and then how to renew it? That was getting old.

            Nearly desperate, I called my partner for this venture and told him I wasn’t sure this establish-an-office-in-Waterford thing was going to work out. Bill asked me to sit tight. He was in Paris and would fly over for a visit asap.

            Bill came to Waterford. He spent a couple of days in the office, meeting with me, Lief, and the team we’d assembled by that point. We’d just moved into new office space, a big improvement over our original, windowless digs. The new office was in a three-story townhouse in the heart of Waterford City. We had a classic Irish Georgian front door that I’d painted red.

            The afternoon he was leaving for the airport and his return flight to Paris, Bill and I walked out the big red front door and stood for a minute on the landing. Bill looked up and down Catherine Street at the other Georgian-style townhouses then back at the bright red door of our place. For me the door was a metaphor. It was my way forward. Bill got it.

            “You’ve planted a seed here,” he said. “You’ve started something. It will continue to grow.

            “It’d be a shame to walk away from this now.”

            The second most important thing for an entrepreneur abroad to possess, along with perseverance, is perspective. You’ve got to be able to see what’s in front of you in the context of the bigger-picture agenda.

            Most of the time, you’ve got to do this on your own, reminding yourself that you’re making progress. Despite the challenges and the struggles, you’re building and growing. You’re on track, moving ahead…

            Sometimes, though, it will be hard to believe yourself.

            Yes, I was lucky way back when in Waterford to have someone to call for a dose of perspective when I needed it and owe Bill a great debt of gratitude. If he’d not been around to make the point that, struggles to get to that point aside, there I was, I might have called it a day.

            I might have returned to Baltimore and the familiar way of life I was longing for. Indeed, I would have walked away… meaning that the 25 years since would have played out very differently.

            If not for Ireland… then maybe not Paris seven years later… and probably not Panama four years after that.

            Reinventing your life overseas, wherever you choose to go, one step leads to the next.

            When you set out, you may not be certain where you’re headed… but I can tell you from experience that you’ll end up where you’re meant to be.

            Meanwhile, you might need reassurance that the path you’ve chosen isn’t crazy and can’t think of anyone to call, reach out to us.

            We’ll be standing by to provide a word of support when you need it.

            Meantime, stay the course. Adventure awaits.

            Kathleen Peddicord signature

            Kathleen Peddicord

            Founding Publisher, Overseas Opportunity Letter

            Tags: 'Waterford'life abroadLive abroadMove abroadMove To Waterford Ireland
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            Kathleen Peddicord

            Kathleen Peddicord

            Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

            Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

            Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

            Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

            Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

            Start Your New Life Overseas Today!
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                  We Value Your Privacy! We will not share your email address with anyone else, period.
                  HOME

                  Top Countries

                  • Spain
                  • Portugal
                  • Panama
                  • Belize
                  • Colombia
                  • Cyprus
                  • Mexico
                  • France
                  • Montenegro

                  Best For:

                  • Health Care Abroad
                  • Retirement Living
                  • Cost Of Living
                  • Investing in Real Estate
                  • Establishing Residency
                  • Gun Ownership
                  • English Speakers
                  • Safety
                  BROWSE ALL COUNTRIES

                  Budgets

                  How Much Will It Cost
                  To Live Overseas?

                  Super Cheap

                  • Chitré, Panama
                  • Santa Marta, Colombia
                  • Phuket, Thailand
                  • Dumaguete, The Philippines

                  Cheap

                  • Medellin, Colombia
                  • Boquete, Panama
                  • Kyrenia, Cyprus
                  • Hua Hin, Thailand
                  • The Algarve, Portugal

                  Affordable

                  • Valencia, Spain
                  • Cascais, Portugal
                  • Las Terrenas, The DR
                  • Pisa, Italy
                  • La Rochelle, France
                  • Mazatlán, Mexico

                  Luxury

                  • Ambergris Caye, Belize
                  • Kotor, Montenegro
                  • The Panama City Beaches
                  • Paris, France

                  Resources

                  Global Living

                  • Living & Retiring Overseas
                  • Raising A Family Abroad
                  • Foreign Residency & Citizenship
                  • Offshore & Diversification

                  Making Money

                  • International Real Estate
                  • Banking
                  • Employment
                  • Investing
                  Meet Our Experts

                  Real Estate

                  Overseas Property Alert 

                   

                  How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams

                  VISIT SITE

                  Buying Real Estate For Cashflow

                   

                  Discover tips and strategies used by global property investing veterans

                  READ MORE

                  Explore Our Latest Posts

                   

                  Learn how to invest and purchase property abroad…

                  EXPLORE

                  Conferences

                  INTERNATIONAL PROPERTY SUMMIT

                  PANAMA CITY, PANAMA June 18-20, 2025
                  LEARN MORE

                  CARIBBEAN VIRTUAL CONFERENCE

                  VIRTUAL July 17-19, 2025
                  LEARN MORE
                  PRE-REGISTER

                  Live and Invest In Spain Conference

                  Valencia, Spain Sep. 17-19, 2025
                  LEARN MORE
                  PRE-REGISTER
                  MORE EVENTS

                  Contact Our Events Team:

                  Toll-Free U.S. and Canada:
                  1 (888) 627 8834

                  From Outside North America:
                  1 (443) 599 1221

                  Working Hours
                  Monday – Friday 08:00 am – 17:00 pm EST.

                  Reach us with your questions by email at: events@liveandinvestoverseas.com

                  Store

                  Overseas Havens Reports

                  • Expats' comprehensive destination guides

                  Conference Kits

                  • Hours of coverage  from our latests conferences

                  Lahardan Books

                  • Titles on living and investing around the world

                  Services

                  • Overseas Living Letter: Affordable Retirement Guidance
                  • The Simon Letter: Wealth Protection Insights
                  • Global Property Advisor: Global Investment Opportunitites
                  VISIT OUR STORE

                  Free Report

                  THE 10 BEST PLACES TO RETIRE IN 2025

                  FREE REPORT: The 10 Best Places To retire in 2025

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