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    • 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
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        Live and Invest In Spain Conference

        Offshore Wealth Summit

        Greece Workshop

        VALENCIA, SPAIN

        Sep. 17-19, 2025

        PANAMA CITY, PANAMA

        Oct. 15-17, 2025

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        • Explore Our Store
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        Services

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

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        Home How to

        8 Questions You Need To Answer Before Retiring Overseas

        This Is What It's Really Like To Retire Overseas, Uncut And Uncensored

        by Kathleen Peddicord
        Sep 13, 2021
        in How to, Lifestyle, Retirement/Living
        0 0
        Walking path in Mendoza, Argentina

        Alamy/Nicolas De Corte

        Bright and early this morning, our entire far-flung Live and Invest Overseas team convened for this year’s Retire Overseas Virtual Conference.

        Lief and I, co-hosts for this week’s event, were joined by our top experts, colleagues, and advisors, as well as dozens of expats from around the world.

        With their collective help, we dug into the work of addressing the seven critical questions associated with conceiving, planning, and executing a move to another country through a series of seven panel-led workshops.

        Specifically, live online this week we’re talking about…

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

        different currencies cash paper money
        Image Source: flickr/Images Money

        My team and I are helping the hundreds assembled with us live online do the math.

        The answer to the question How Much Money Do You Need To Retire Overseas depends on where you’re thinking of moving and how you want to live when you get there.

        Our panel of experts is revealing everything you need to know to make your personal financial plan for retirement overseas, delving into issues such as:

        • Managing day-to-day spending in a foreign country…
        • Going local or living a more imported lifestyle…
        • Coping with changing exchange rates…
        • The best time for you to start taking Social Security as an overseas retiree…
        • How to manage your credit cards while living abroad…
        • Whether to sell or to keep your U.S. property…
        • Understanding the pluses and the minuses of retiring to a country that uses the U.S. dollar versus a country with its own currency…

        The good news is that the amount of money you really need is likely far less than what you may fear you need… and far, far less than what you’d need to afford a comparable standard of living in the United States.

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

        English school advertisement banner with three languages on speech bubbles.
        iStock/Prostock-Studio

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

        The panel for this workshop features current expats from different countries.

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

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

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

        Getting a visa in PanamaIn considering where in the world you’d like to retire (whether full-time or part-time), one critical issue can be an obstacle… and it’s easy to overlook.

        I’m talking about residency.

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

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

        In this workshop, we look at the good, the bad, and the this-is-how-it-really-works of establishing a physical presence overseas, including:

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

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

        Hand holding coin over stack coins in a jar and small residential house model with family on wooden block on wood
        Alamy/Theerapan Bhumirat

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

        In this workshop, led by resident global tax guru Lief Simon and other international tax experts and attorneys, we detail:

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

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

        Red shoes from above on the white arrows, dilemmas concept buy or rent.
        iStock/badmanproduction

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

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

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

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

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

        Medical Team Standing In Hospital Corridor
        iStock/monkeybusinessimages

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

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

        Our health care workshop has a double agenda…

        First, to aim to help you understand what you can expect of medical care in a foreign country…

        Second, we present your options for health insurance living overseas.

        Specifically, we look at:

        • Which of the top 22 retirement havens stand out in terms of top-quality health care…
        • Where, among these top havens, you’ll find health care to be the most affordable…
        • The differences between public and private health care systems… and when to use the (possibly free) public systems abroad…
        • Your top options for medical insurance abroad and the pluses and minuses in each case…
        • The points to consider in choosing a policy that suits your specific needs…
        • Why you should never buy insurance online… at least not until you’ve confirmed the answer to this all-important question…
        • What your overseas health policy should cover… and what it likely won’t…
        • How much deductible makes sense given where you’ll be living and your personal health circumstances…
        • Cost details for sample insurance plans in a number of overseas retirement havens…
        • What to do if you’re beyond the age for enrolling in a new insurance policy…
        • How to evaluate an insurance policy in a foreign country…
        • The best international health and travel insurance policies on the market today…

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

        Young woman working in Italy
        iStock/Ridofranz

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

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

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

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

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

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

        • How to generate business ideas—and how to identify a profitable market…
        • How to select your products. In the import-export business, for example, certain products have restrictions depending on where you send them to or from…
        • How to get started. You have a great idea… but you don’t know where to begin. Follow this six-step Internet business start-up plan to get up and running anywhere in the world…
        • Making money on the web—seven strategies for drawing qualified prospects to your website…
        • Countries among our top 22 retirement havens that make sense for running a business… and those that don’t…
        • Where to find supporting staff. Depending on the size of your business, it may be helpful to have some in-country assistance. You’ll learn which countries have reliable, English-speaking labor pools and minimal red tape in the hiring-and-firing process… and which don’t…
        • Legal, labor, and taxation issues you need to be aware of running your Internet business…
        • Recommended software tools and online resources to help get you started in your new career…

        I explained we’ve organized this year’s Retire Overseas Virtual Conference around seven workshops.

        In fact, we’ve added a bonus session to the proceedings:

        Workshop #8: Living Overseas Success Stories—Conference Alumni Share Their Real-Life Adventures

        The conference panel at a live and invest overseas conferenceThis one is meant both to educate and to entertain.

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

        Bottom line, here’s our agenda:

        All this week, we’re showing you everything you need to know to make your live or retire overseas dreams come true.

        My team and I will get you where you want to be. I promise.

        Sincerely,
        Kathleen Peddicord

        Kathleen Peddicord signature

        Founding Publisher, Overseas Opportunity Letter

        Tags: 'residency''Taxes'live overseasMove abroadretire oversaesretire overseas conference
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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.

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          Top Countries

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          • Belize
          • Colombia
          • Cyprus
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          • Montenegro

          Best For:

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          • Retirement Living
          • Cost Of Living
          • Investing in Real Estate
          • Establishing Residency
          • Gun Ownership
          • English Speakers
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          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

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          Live and Invest In Spain Conference

          VALENCIA, SPAIN Sep. 17-19, 2025
          LEARN MORE
          DISCOUNT

          Offshore Wealth Summit

          PANAMA CITY, PANAMA Oct. 15-17, 2025
          LEARN MORE
          PRE-REGISTER

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          VIRTUAL Nov. 13, 2025
          LEARN MORE
          PRE-REGISTER
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          • Hours of coverage  from our latests conferences

          Lahardan Books

          • Titles on living and investing around the world

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