For many people considering a move overseas one of the biggest barriers they face is the language barrier.
They may not feel able to master a new language… not have time to… or simply not want to… but the fear of not being able to communicate in your adopted homeland can be off-putting.
Happily there are plenty of destinations around the world where English is widely-spoken meaning fluency in a new language doesn’t have to be a requirement for a new adventure overseas.Here are some of your best options for destinations where you’ll find English-speaking locals and an easy route to expat life…
Belize
Formerly a British colony, Belize’s official language is English. Indeed, it’s the only English-language-official country in Central America.
About 83% of the country speaks English as their first language, while many also speak Creole and Spanish.
Leases and legal contracts are in English… English-speaking staff are available at clinics… Media and the news are delivered in English. The average person you come into contact with, whether it’s a cashier or a government official, speaks English.This ease of language is a big reason why many American and Canadian expats choose to move to Belize.
Plus, the people are welcoming, open-minded, and eclectic—and the country has excellent residency programs.
In addition, Belize offers Caribbean living at a much lower cost than elsewhere in the region—around $1,500 a month is a good guide as a start point for your costs here.
When it comes to residency options things are straightforward. There’s the Qualified Retirement Program (QRP) which is open to applicants over 40 who can prove a monthly income from a source outside of the country (such as a pension or Social Security) of $2,000.
Alternatively, you can just go to Belize and stay there for 12 months continually renewing your tourist visa. After that time you can then apply for permanent residency.
Malta
Malta, a former British colony, has two official languages: English and Maltese. About 88% of the population is fluent in English, and laws are enacted in both languages so you shouldn’t have any trouble being understood or understanding the locals.
Your residency options here include Citizenship by Investment, a Permanent Residence Scheme, a Family Visa and the Ordinary Residence Scheme.The Ordinary Residence Scheme is the most popular with the key requirements being able to show a net worth of €14,000 for a single or €23,000 for a couple, that you spend a minimum of 183 days per calendar year in Malta, and evidence of a physical address in the country which can be through a real estate purchase or rental agreement.
Once you’ve been a legal resident in Malta for five years, you can apply for permanent residency.
Malta also offers excellent health care, a beautiful natural landscape, fantastic climate,—the year-round daytime temperature hovers around 73°F—rich history, large expat communities, and friendly locals.
As regards downsides, Malta is both small and popular so beaches can get crowded and traffic congested, particularly in the capital, Valletta.
The Philippines
Lying about 500 miles off the southeast coast of China and to the northeast of Borneo, the Philippines is a breathtakingly beautiful archipelago of over 7,000 islands.
Colonized by the Spanish in 1521, their influence remains today in architecture, names, food, and more. Indeed, Spanish was the official language of the Philippines for over three centuries and was the lingua franca up until the 21st century. Today, Filipino and English are the official languages.
English has official status because the Philippines was a U.S. colony from 1898 to 1946 and today it’s recognized as one of the world’s largest English-speaking nations. English is the language of business and law, and more than half of the country’s population—which totals around 118 million people—speak it.
To qualify, applicants need to be aged 50 or older, show a pension of $800 per month ($1,000 per month for couples), and deposit a minimum of $10,000 in a Philippine bank account. If you can’t prove a monthly pension, you can opt to make a $20,000 deposit in a local bank account, instead.
The Philippines also offers top-notch health care and is home to the only overseas VA hospital in the world—the Manila Regional Office and Outpatient Clinic. Add to that, world-class beaches, a tropical climate, and a low-cost of living—on $2,000 a month a couple could live very well here—and it adds up to a great option for an overseas retirement.
These are just some of your options for an overseas retirement without having to learn a new language but the fact is in a host of countries you’ll find areas where you can settle in easily and get by in English.
In Europe, consider Greece, Cyprus, Spain, Portugal, Croatia, Germany, Norway, Slovenia, and France where you’ll find either a large number of English-speaking locals, areas with large expat populations and healthy tourism trades, or a combination of both meaning getting by in English poses no problem.
In Mexico, Lake Chapala, Puerto Vallarta, Puerto del Carmen, Cancun, Guadalajara, San Miguel de Allende, and beyond would work for those who only speak English and the same applies in Panama’s expat havens of Boquete and Coronado.
Of course, it’s always a good idea to pick up as much of the local language anywhere you go, the locals will appreciate it and it will broaden your social circle, but it’s by no means essential to be fluent before you pack your bags for pastures new.
Until next time,
Kathleen Peddicord
Founding Publisher, Overseas Opportunity Letter
