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Stop Worrying About How You'll Pay For Life... And Start Enjoying It, Instead…
 
In the Right Places Overseas, You Can Live Better Than You Do Now – Maid, Dinners Out – For As Little As $694 A Month

Dear Live and Invest Overseas Reader,

Our editors have just published a special report on the world’s best places to retire overseas in 2016, our first-ever “World's Top Havens Annual Report,” one of the timeliest and most important reports we’ve produced lately.

We'd like to send you this new and comprehensive guide with our compliments.

I'll share details for how you can obtain your free copy of this one-of-a-kind resource in just a minute. First, I'd like to introduce you to just a few of the tempting retirement Shangri-la's it features...

"In The States, We Couldn't Afford
This Life At All"
In the mornings, Judy Ahern sips a cup of tea, one hip perched on the rail of her open porch, and looks out over the turquoise waters, listening to the tide slosh in.

Sometimes horses gallop by on the beach. Often she takes a quick swim. Always she's struck by how lucky she feels. And how alive.

"We never imagined we'd be able to afford an island retreat — let alone one right on a secluded beach," Judy says.

"For years we'd check out the real estate when we were on vacation... we looked all over Hawaii and in other places on the water. But it was always too expensive.

"Yet here we are today on this Caribbean island, pretty much full-time. We're enjoying the open-air house we had built — and an incredible quality of life — for a fraction of what it would cost us anywhere else nearby.

"In the States, we couldn't afford this life at all."

Meet Kathleen Peddicord

Kathleen Peddicord has traveled to more than 50 countries, invested in real estate in 21, established businesses in 7, and renovated properties in 6. She's covered the live and invest overseas beat for almost 30 years and is considered the world's most well-respected authority on overseas retirement. Kathleen is regularly quoted in the New York Times, Money magazine, and beyond. She has written innumerable books (including the latest one for Wiley & Sons released in March 2013), reports, and essays on where and how you can escape the retirement-tromping economy at home and live like royalty on a modest budget... invest for profits overseas ahead of the crowds... and secure your dream retirement in the world's best destinations.
Originally from California and in their 70s today, Judy was a teacher and actress. Her husband, Bill, is still in the airplane-parts business.

Back in 2002, they traded in their expensive, traffic-clogged life for a quieter, more affordable one on a lush, mountainous island where sand crabs meander across the roads. You may never have even heard of this place (though it's only a two-hour flight from Houston)...

This little country, with its long coast and sand-fringed cayes, offers a residency program with
special tax benefits...

Yet here on the island of Roatan, Judy and Bill have access to solid healthcare... a full dinner of fresh lobster with wine and dessert costs less than $30... they can get homemade cheesecake squares at the local bakery and fresh lettuce, fruits, and veggies at the organic farm...

And in this place, $199,000 buys a two-bedroom, two-bath home with a private pool on nearly an acre of land, just a 60-second stroll to a mile-long private beach...

With $135,000, you could own a luxury condo here with hardwood floors, high-end appliances, a community pool, panoramic vistas from your private deck... and be just five minutes by foot from the shops, restaurants, and groceries in town.

"Moving here changed the way we experience life... for the better," Judy told me. "There's a freshness here. A quickening of the senses.

"Instead of retreating someplace to retire, we've reached out toward new challenges.

"I'm keeping busy as the director of a pre-school that serves underprivileged, working families. And I'm editor of our local island magazine, too.

"Sure, living here isn't without its inconveniences.

"But it's as if we're looking not at the end of our lives now... but at the beginning of another life altogether!"
"Retirement" Doesn't Have To Be About Difficult Compromises. It Isn't For Judy And Bill. And It Doesn't Have To Be For You, Either.
If you're intrigued by Judy and Bill's experience — whether you're ready for retirement now or planning for the future — I know you'll be excited about what I have to share with you.

Because even though for millions of people "retirement" in the years to come is likely to mean cutting back on pleasures like dining out and on vacations... or, worse, demand downright frugal living...

It doesn't have to mean that for you!

No matter what the economy does back home, today you can retire overseas in style... live like a movie star on a school teacher's budget... and never outlive your nest egg...

If, that is, you know where to go. Around the world are places where you can...
  • Live comfortably in a modern, 2600-square-foot apartment with mountain views... on less than $15,000 a year...
     
  • Enjoy health insurance for $120 a month or less... or choose to retire to a place where medical care is free...
     
  • Retire in style and employ a maid, a gardener, or even a driver — all on a Social Security budget...
     
  • Own your own home in the sun for as little as $120,000... and wake up each morning to the sound of the waves on the sand... or the freshness of clean, mountain air...
Insightful And Honest

"... I really have to commend you for your insight and honesty in 'telling it like it is' to your readers... "

—Norman S., United States
You see, in the world's best-value places, your dollars simply buy you more.

So that you can actually live much better than you ever did at home — for as little as $22 a day...

... and you'll never have to worry you might out-live your savings.
Retire Overseas Today And Never Outlive
Your Nest Egg...
Leonard Holden and his wife Jenna aren't independently wealthy. Not by a long shot. But they're confident they'll have more than enough to carry them comfortably through retirement, no matter what the economy does at home.

A better quality of life awaits you overseas. In France, South of Paris, you could live on as little as
$1,300 a month…

Here's why...

Leonard and Jenna used to spend about $8,000 a month living in Manhattan. At 49, when Leonard "retired," he took with him a pension of $1,800 a month. They could have stayed in New York. But it would have meant either some serious scaling back, living on savings, or — more realistically — taking another job.

Only they were ready to stop working and start "living." And there was no way they could maintain the lifestyle they'd grown accustomed to on less than one-quarter of the income.

So they looked for a place where that $1,800-a-month pension would stretch.

And they found it in a safe, welcoming, warm-weather city in Ecuador, where they'd be among the community's wealthiest residents.

There they could afford a 5,000-square-foot house, two cars, and a carefree — even luxurious — lifestyle that included a housekeeper, dinner out a few times a week, and the time and funds to travel and explore their new corner of the world.
Five Good Reasons To Retire Overseas
  1. Escape cold winters... and never pick up a snow shovel or scrape a windshield again.
     
  2. Sidestep a recession at home and invest where the prospects for profit are strong.
     
  3. Live better, healthier, and with less stress.
     
  4. Grow your investments tax-free or tax-deferred.
     
  5. Enjoy a Rolls-Royce lifestyle on a Dodge Dart budget... and never outlive your nest egg.
Leonard and Jenna are part of what is rapidly becoming a real "movement" among adventuresome (and pragmatic) folks. You might even call it a "Retirement Revolution."

And it's something you can easily take advantage of, too.

After all, do you really want to cut back or make do at this important stage in your life?

Or are you ready for some peace of mind? To know you're set for life. To live not just comfortably... but even extravagantly... and do it on much less than you spend today?
If You're Ready To Enrich Your Life In Retirement... Find New Ways To Spend Your Days... Discover... Explore... Grow...

Look Overseas. You Can't Afford Not To.
You know, maybe it doesn't bother you... but it sure bugs me that all you see in the papers these days are stories about war, politics, and economic catastrophe.

To be fair, the U.S. is embroiled in Iraq and Afghanistan... struggling with critical health care and Social Security situations... home prices are falling, the costs for food and fuel have jumped, credit is tight, the stock market is uncertain. (A recent AARP survey reports that one in four people aged 45-54 plans to delay retirement because of the economy.)

But the thing is... what you don't get in the papers are reports about attractive alternatives overseas (in Europe, Asia, and Latin America) where people are friendly, crime is almost non-existent, the health care is excellent, and the prices for everything from homes to groceries to doctors' visits would make you think it's 1953 again.
 
That's not really "breaking news," I suppose.

But it IS the reality in the places around the world I'd like to show you.

Places where you can take that dream you've always had about an open-air home right on the beach... or a hillside retreat tucked into a vineyard... or a cosmopolitan pied-a-terre in vibrant city...

... and you can make it your reality on as little as $1233 a month. (Slash that to $694 a month if you'll own your own home and won't have to pay rent.) No kidding.

That's what this 'Retirement Revolution' is all about... It's for forward-thinking souls like you who are looking for an alternative to what we traditionally think of as 'retirement.'
That's what this "Retirement Revolution" is all about...

It's for forward-thinking souls like you who are looking for an alternative to what we traditionally think of as "retirement."


It's for people who are ready to enrich their lives, to find new and interesting ways to spend their days... to discover, explore, grow...

And to live well on a fraction of what it would cost at home.
Find Out Where To Go Now From An Expert
Who's Been Right About The Best-Value Places Every One Of The Past 30 Years
I'd like to help you do exactly that. First though, let me introduce myself.

My name is Kathleen Peddicord. I've been covering the live and invest overseas beat for almost 30 years, writing, editing, and publishing magazines, newsletters, books, and reports devoted to retiring well and investing for profit abroad. I'm from Baltimore, Maryland, originally. But for more than a dozen years, I've lived overseas with my husband and two children — in Ireland, then Paris, and now Panama.

I've traveled to more than 50 countries, invested in real estate in 21, established businesses in 7, and renovated properties in 6.

And over the years, I've fostered a truly far-flung network of globally minded colleagues and friends — people who, like me, are living, investing, and doing business in good-value destinations all around the world.
The "Babe Ruth" Of Overseas Living

"Kathleen Peddicord is like the Babe Ruth of overseas living."

— Scott U., United States
So when a reporter at the New York Times or Money magazine wants to write a story about the best international destinations for affordable retirement, they call me. I'm a contributor to ABC radio's Expat Show and I've been a guest on Good Morning America. When the AARP is looking for an authority on overseas retirement, I'm the person they talk to, and when Penguin Books decided it wanted to launch a line of "How To Retire Overseas," I'm the one they called.

I guess it's fair to say I'm an "expert" in where to retire overseas. And I seem to have a nose for the next, great, up-and-coming retirement hot spot.

More than 20 years ago now, I was among the very first retirement advisors to recommend places like San Jose, Costa Rica... San Miguel de Allende, Mexico... and Ambergris Caye, Belize...

I'll reveal to you the world's
top hidden retirement haven,
the City of Flowers and
Eternal Springtime…

That was well before the rest of the world caught on to those good-value, welcoming, warm-weather destinations.

And while today those places are well-discovered — and not nearly as affordable as they once were — the idea of living well for less is just as appealing now as it ever was.

Given the current economic climate... it might even be more appealing!

Yet as word gets out about a place and it becomes more "mainstream," people go in greater and greater numbers. Demand increases for properties to rent and to own. And as the market heats up, so do prices. The best values eventually fade.

But it's just like what happens in big cities around the world where neighborhoods get gentrified and prices rise... then the artists and young hipsters and, increasingly, retirees migrate toward new "frontier" neighborhoods...

Well it's the same idea with retirement "frontiers" overseas. There's always some community ripe for discovery. Some hidden gem where you can enjoy an incredible quality of life for next to nothing.

I make it my mission to know where those places are.

And I've just collected my current favorite finds in a SPECIAL REPORT I'd like to send you — absolutely free...
Get Kathleen Peddicord's Top Picks For The World's Best-Value Destinations Today...
Yours FREE

Each year, we do our best to bring a balanced sampler of the destinations that represent the best opportunities for living overseas to Overseas Retirement Letter readers.

Each month, we’ll introduce you to another thin-sliced top choice for retirement living overseas. We cast as wide a net as possible and work hard to highlight new choices as often as we can.

However, because we’re working with only 12 issues per year, this creates a conflict. We want to be introducing you always to your top emerging options, but we also want to keep you up-to-date on our perennial favorites.

On our radar at any time are 15 or so world’s top retirement havens. We can’t report on all of them all the time and still provide you with new recommendations…

So, this year, for the first time, we’ve created a World’s Top Retirement Havens report (retail price: $19.95), published with Overseas Retirement Letter readers in mind, that will update you on what you should know right now about the 15 countries we think continue to offer the best retire overseas opportunities.

These are places that we’ve been reporting on and recommending for years… in some cases, for decades. This special report, though, is our chance to remind you (and us!) why these places make as much sense as they do and why we continue to include them on our short list of the world’s best places to retire.

We put out a call to our correspondents and contributors worldwide and they eagerly obliged us. They’ve detailed for us what’s new, what’s changed, and what’s best about your countries of focus—be it good news or bad. Their collective from-the-scene feedback is feature in this first-ever “World's Top Havens Annual Report”.

Where would you like to go? Our “World’s Top Havens Annual Report” can help you set your compass and set off on your own grand adventure.

And today, you can access this special resource at no charge—simply for taking a look at our entirely unique retirement-intelligence service called Overseas Retirement Letter.

Sign Me Up!
No Sugar-Coating. Just The Facts.
Delivered With A Lifetime Of Perspective.
Overseas Retirement Letter is not a glossy magazine. It's an intelligence service.

A detailed, down-and-dirty, tell-it-like-it-is, get-there-first report from the real world about the best communities for good-value living and investing all over the planet.

I don't sugar-coat any place. That sort of "it's the perfect paradise" language doesn't do you any favors if you're seriously thinking about moving and investing overseas.

I know that. And so do you.

No place is perfect. And in Overseas Retirement Letter I won't tell you it is.

But I will give you an honest, measured assessment of each destination we feature. And tell you not only what it has to recommend it. But what the drawbacks and potential pitfalls are, too.

I've been in this business for more than two decades. I know the questions to ask. I know the risks you'll want to avoid.
And I'll get them on your radar screen.

That way you can decide for yourself whether a place is worth investigating firsthand... or not.
"Sophisticated And Thoughtful... And Therefore More Useful"

"I have to say that you seem to dig deeper into the feel of a particular place and to do comparative analysis between alternative places. Your approach is more sophisticated and thoughtful and therefore more useful than that of other e-letters I've read covering these same subjects."

— John W., United States
After all, what's important to you isn't necessarily what's important to the next guy. Everybody's situation is different.

Take me, for instance. I'm still young. In good health. And I've got a 14-year-old son. The accessibility and cost of long-term medical care isn't my top, personal priority when I consider overseas destinations for my own family.

Right now I'm more concerned about where, in what language, and how well my little guy will be educated. Plus I want to be near an airport since I travel all the time...

But that might not be what keeps you up at night...

Maybe you're more worried about how close by, how sophisticated, and how affordable a doctor's care is...
  • I can tell you about one place I like where many doctors are U.S.-trained... prescriptions typically cost 50% what they do in the States... an overnight stay in a private hospital room will run you less than $40... and you can have your teeth cleaned for less than $30. Full-coverage medical insurance? About $120 a year.
Or maybe what you really dream about is being able to walk barefoot every day on the soft sand of a palm-lined beach... yet you still want to be an easy hop from home so you can get back for your grandchildren's birthdays.
  • In one of my favorite Caribbean islands, the beaches are every bit as white and soft as those of the U.S. Virgin Islands or the Bahamas. But properties are a fraction the price. $89,000 will buy you a one-bedroom apartment with a vast veranda in an exclusive complex lush with flowers, close to the beach. And from here you can fly direct to the States on discount carriers like Spirit Air and Jet Blue.
Perhaps you'd prefer a place where there's spring-like weather year-round, a small and friendly community, and ample opportunity for you to put your life experience and your interests to good use locally...
  • In one place I can think of that fits that bill... the weather is cool so you need no air conditioning. The land is lush with orchids. The hills rise to forests where clear rivers run and waterfalls tumble. And here you could buy a lot and build a tidy house for less than $150,000.
Not Your Parents' Retirement

This word "retirement" has nothing to do with checking out or taking it easy. Unless you want it to.

In the places I'd like to introduce you to, sure, you could improve your golf swing or join a bridge club... you could spend your days lazing in a hammock beneath the banyan trees. And no one would think any less of you.

But if you're not ready to take up a position on the sidelines of life, don't worry. That's not what I'm suggesting.

The ideas of retirement I'm talking about work for the 30-year-old as well as anyone twice that age... or older. That's because it is easier today than ever before to live, travel, invest, and retire as best suits your personal agenda.

The world is alive with opportunities for fun and for profit, no matter what your age. I'd like to steer you to the ones that make the most sense for you.
The good news Is:
There's A Good-Value Community For Everyone.
It's Just A Matter Of Finding The Right Fit.
Your good-value escape exists. With Overseas Retirement Letter I'll help you find it. Quickly and easily. It'll save you time, trouble, and money, too.

Here, amidst colonial splendor,
you could live like a king on
as little as $694 a month…

(Just think about it: If you decided to traipse to every destination that could possibly make sense for you, you'd spend thousands of dollars a month in travel expenses alone. You'd be at it for years. And there's no telling if you'd get the straight story, either.)

With Overseas Retirement Letter I and my seasoned team of experts and expats will do all the important legwork for you.

Every month, you'll get an honest and comprehensive assessment about a place worth retiring to today (or maybe investing in now and living in ten years from now) — including both the pros and cons.

You'll get proven recommendations for everything from health insurance to mortgages to keeping in touch from afar.

And timely ideas about ways you can protect and grow your nest egg overseas.
Sign Me Up!
Including Real-World Stories From Folks Who Have Found Their Own Perfect Haven... And Retired In Style On a Budget Overseas
I'll also bring you stories in Overseas Retirement Letter directly from folks who have already done what you're thinking about doing.

People who have traded an uncertain quality of life at home for a new, more affordable adventure overseas.

People like Jay and Kathy Snyder, for instance. For 40 years, they owned a successful inn in rural Vermont, a sprawling, red, 1810 farmhouse with 18 guest rooms.

They were ready to retire. But not to sit and do nothing. They wanted to work less. Enjoy more.

Only they could see — even with the sale of the inn — that they wouldn't be able to sustain the comfortable lifestyle they'd always envisioned for themselves in retirement.

They weren't looking for jet-set extravagance. But they did want the freedom to travel, to eat out, to relax, to not worry about health-care expenses bankrupting them.

So they began to look beyond our borders... to places where they could "retire rich" on a middle-class budget.

They landed in Granada, Nicaragua... a vibrant, colonial-era town with cobbled streets and colorful homes. (Not unlike those now well-discovered havens of San Miguel de Allende in Mexico or Antigua in Guatemala.)

Now, here's where their story gets interesting. They could have simply bought a colonial-era villa and renovated it, just as other "retirees" from the States, Canada, Spain, France, and elsewhere have done.

Verdant and cool, the highlands
of this retirement haven have
become a hub for foreign retirees…

But instead, they bought an empty lot in the center of town and on it built a beautiful community of nine condominiums that fit in perfectly with the surroundings.

They're selling them to other "overseas retirees" who, like them, are looking for a better lifestyle in a welcoming, good-value destination.

In essence, Jay and Kathy are building their own mini-community of like-minded folks ready to trade recession-era skimping for the affordable comforts they can enjoy overseas.

Already they've recouped their investment — even though they have a handful of units still to sell. (Those will produce pure profit.) And today they divide their time as they like between the States and Nicaragua.
"Immediate Info... No Bull"

"... just a thank you for the immediate info without all the bull."

— Tom F., United States
When they're at their place in Granada, they have their choice of excellent restaurants — Spanish, German, and Italian among them — where the two can eat dinner, including wine and dessert, for $20 or less. See a first-run movie for $3. They can take care of their annual physicals with an American-trained doctor for just $30 or have their teeth cleaned for just $17.

When I asked Jay about whether they'd do it all over again, he told me: "It's been one of the most satisfying experiences of my life." He said...
"I don't have a solution to the problems facing Americans right now. It's too frustrating to contemplate. I do feel, though, I've found an alternative that works for me and that could work for many, many others, as well.

"It's tempting to continue living the way you've been living. It's easy... and it can be very frightening to think about creating a whole new life for yourself in a foreign place.

"But that fear can keep us from acting on chances for fun, for adventure, and for possible profit.

"All I can tell you now is that I'm thrilled... it has been one of the most satisfying experiences of my life."
Nearly Half A Million People Already Receive Their Social Security Checks Abroad. Now You Can Benefit From The Secrets They've Learned.
I include stories like Jay and Kathy's in Overseas Retirement Letter for two reasons:

1) It's important to remember that real people like you — school teachers, dentists, accountants, attorneys, consultants, office managers, doctors, sales reps, small business owners — are already doing what you're thinking about. And doing it successfully.

Because I promise you: You'll have family and friends who think you've lost your marbles. I know mine did!

It's not too late to live your
California dreams. Living in this
Pacific coast haven is like having
another chance...

But the truth is: nearly 500,000 people already receive their Social Security checks at an address abroad. And the real numbers of people living well and enjoying life overseas — at least part of the year — has been figured to be over 5 million.

So I like stories like Jay and Kathy's because they can open your eyes to possibilities you might never have even thought about before.

And the world is full of inspiring, life-improving, money-saving, and money-making possibilities. In Overseas Retirement Letter, I'll bring them to you.

2) Plus there's nothing more welcome when you're starting out in a new place than a little "been there, done that" advice. And that's exactly what Overseas Retirement Letter delivers each month.
 
It plugs you in to my vast network of contacts — both the "experts" and the "regular folks" — in the best-value destinations all over the world.

So you'll have somebody you can email with a question... a contact who can spare you all kinds of frustration, wasted time, and unnecessary expense.

In fact, that kind of on-the-ground intelligence is so invaluable, that I've created an entire volume to tell you the most important things you need to know before, during, and after a move.
The world is
full of inspiring,
life-improving,
money-saving, and money-making possibilities. In Overseas Retirement Letter, I'll bring
them to you.

You'll find the advice in it useful whether you're looking for a full-time retirement haven... a refuge you can escape to a few weeks or months a year... a sanctuary where you could invest in now and keep to use later in life... or a straightforward way to park some cash in a positive-trending market well outside the U.S.
Sign Me Up!
101 Tips For Retiring Happy And
Living Well Overseas
It's called Join the Retirement Revolution: 101 Tips for Retiring Happy and Living Well Overseas (retail price: $29).

And when you agree to test-drive Overseas Retirement Letter today, I'll send you this SECOND SPECIAL REPORT — also FREE.

In it you'll find...

  • Your U.S. health insurance isn't likely to serve you overseas. But I'll give you seven reliable recommendations for international health insurance that won't break the bank.

  • The cheapest, easiest, most reliable way to keep in touch with friends and family back home. And the two $10 investments that will ease this process considerably.

  • Eleven thought-provoking guidelines to consider when you're choosing a new home... from what to think about your "gut feeling"... to the questions you'll want to ask about your visa and residency options...

  • You may be covered already for international evacuation insurance... and not realize it. I'll tell you who to call to find out. This could save you hundreds, even thousands of dollars.

  • Three reliable resources for finding helpful expatriates who already live in the places you're considering... folks who've said they're willing to answer your questions and share their own experiences and advice.

  • Why it makes smart sense to keep a "virtual" address back at home (whether that's the U.S., Canada, or elsewhere) ... and how to get one. It's not complicated at all. In fact, you can arrange the whole thing with a five-minute phone call.

  • What to do about insurance while you travel... and why you need to make sure you do it... before you leave home. Forget this and you could pay dearly.

  • How to use your new home overseas to lighten your tax burden...

  • A critical question to ask before you become a renter... neglect this and you could find yourself with a big bill you hadn't counted on.

  • Two "live overseas" costs many people neglect to calculate. Save yourself the surprise invoice... and find out what they are.

  • Retire in style and employ a maid,
    a gardener, or even a driver…
    all on a Social Security budget...

    The most time-saving and cost-effective way to get cash when you're overseas.

  • Why focusing on your assets — and not your income — can help provide you a sense of confidence and control as you start "anew" overseas. Find out the formula for doing it — something you won't find anyplace else — and get some instant peace of mind.
     
  • No matter where in the world you settle, this one $21.60 expenditure can save you not only hundreds of dollars when you're on the ground... but days (if not weeks) worth of bureaucratic hassle.

  • How to organize your belongings for a move. You'll be amazed at how the right pre-planning can make everything run like clockwork.

  • A critical "box to check" before you enroll your child in a school overseas. Take this precaution, and your kids will be thanking you all the way to college!

  • Many countries require health certification for your pet, even quarantine in some places. But there's a reliable resource that lays out for you which countries require what. Know the rules, and you'll be sure to have your pet home with you with the least amount of fuss.

  • When it comes to buying real estate overseas, know this one simple key to having more bargaining power than the seller does... and you'll have the upper hand.

  • It might look like a regular, first world bathroom to you (just like at home). But don't be shocked if one critical thing is missing. You won't know if you don't know to check. I'll tell you the two-second test...

  • Plus 83 more real-world tips to save you time, money, and frustration overseas and ensure your transition abroad is smooth and enjoyable...
How You Can Retire On $694 Per Month...
Or Even Less


In one excellent-value community I like in Latin America, the graceful curves and painted colonial facades give a prosperous, old world feel. You can eat out at fine restaurants.. enjoy the theater, orchestra, and plenty of festivals and celebrations.

The population is about 400,000, which makes it big enough that you can find what you need, but small enough that you know how to get around and get things done. Here people know and remember you, which makes it easy to feel at home and part of the community.

You don't need a car. Public transportation is great — taxis are about $1.50. And rental cars are easily available when you're ready to explore the country off the beaten trail.

The expat community is small, but large enough so that there's always someone you can get together with for company.

Assuming you'll own your own apartment or home and won't have a monthly payment, $694 should cover your everyday expenses. Here's how:
 
Rent $0  
HOA $0  
Property Taxes $21 Based on a large house in town
Car Costs $0  
Auto Insurance $0  
Transportation $40  
Gas $3 Used for hot water and cooking
Electricity $30  
Telephone $20  
Internet $35  
Cable TV $25  
Household help once a week $40 Allow $200 if a full-time maid is required
Food $240  
Entertainment $240 Orchestra, theater, and cultural activities are usually free
Homeowner's Insurance $0 If you are in a house, I'd suggest insurance, about $54 monthly
TOTAL $694  

What if you'd rent? $450 a month will get you a new, modern, fifth-floor apartment of about 2600 square feet with views of the downtown and, in the distance, mountains. The building I'm thinking of has a doorman, groundskeepers, a huge personal storage room, and underground parking.

But you could LIVE FOR LESS! You could rent a "local"-style apartment for about $100 per month. This would get you roughly 650 square feet in an older building. And that would still keep your cost-of-living, including housing, to less than $800 a month.
A World Of Opportunity
Delivered Directly To You...
Retiring overseas opens up a whole world of opportunity for you. A world full of excitement... meaning... interest... and adventure...

A world where you can live like a movie star on a school teacher's budget... and take advantage of investment opportunities that just don't exist at home...

In each issue of Overseas Retirement Letter, you'll learn about extraordinary possibilities like...

  • Ways you can cultivate a portable trade... and fund your new life overseas in a few hours a day from your beachfront deck... or the den in your mountaintop chalet... or the front verandah of your vineyard estate...

  • "Opportunity Hot Spots" to watch around the world... where changes in infrastructure, or government incentives, or economic circumstances, or global trends are creating smart investment opportunities for the people who notice. I'm paying attention so you don't have to. And I'll make sure you know when the stars are aligned for early-in investors.

    Right now, for instance, I've got my eye on three cities in particular—one in South America, one in Europe, and one in Asia—that are continuing to provide double-digit investment yields even in this very uncertain global investment climate. This is a time for back-to-basics investing, and these three markets have solid fundamentals. In Overseas Retirement Letter, I'll show you how you can position yourself for profit...

  • Extraordinary communities for good-value living all over the planet... places you simply won't read about anywhere else.

    I have one in mind. It's a seaside town in Uruguay with a high-end, Bohemian feel to it. It's clean, well-maintained, safe. You can dine at local, waterfront seafood restaurants or choose Italian or sushi. You can even get high tea in the afternoon. The galleries and boutiques will satisfy the shopper in you. Yet for all its great attributes, you can still buy a home there for between $50,000 and $150,000...

  • How much money you really need for an overseas retirement... and how to invest and spend along the way.
You can go to Yahoo's finance site and others like it on the web, and they'll help you — in a very generic way — calculate things like "if x and if y... then this is how much money you'll have when you're 90."
"Interesting And Timely...
Inside Knowledge"

"I read each one and always pick up some interesting and timely piece of inside knowledge."

— Robert C., Spain
But I realize your questions about funding a retirement overseas aren't generic at all. So you'll find in Overseas Retirement Letter a much more specific and personalized approach.

We'll talk about preserving your financial health abroad... and about how to find and take best advantage of profit opportunities overseas that the folks back home just don't see.
Try Overseas Retirement Letter
Risk-Free — Today And Receive
3 Special Reports ($67 Value), No Charge
You'll find all that — and much more — every month in Overseas Retirement Letter.

You know, if you paid a financial advisor $1 a day ($365 over the course of a year) to get the kind of up-to-the-minute, on-the-ground advice and insider guidance you'll find in Overseas Retirement Letter, that investment would be worth every penny... and then some.

In this stunning, historic
Mediterranean paradise, you could renovate a centuries-old stone
farmhouse into the retirement
getaway of your dreams.
A tempting idea…
when you could pick one up for as
little as $50,000…

I mean, just think about it: $365 for somebody to show you where to go and how to structure your life so that you could have things like a home on a palm-lined beach with a full-time maid and cook, a gardener... enough leftover income to dine out and go to the movies... plenty on hand to spend on travel and extras. And the whole lifestyle yours — free-and-clear — on less than $20,000 a year...

But you don't have to pay anywhere near $365 to receive a whole year's worth of exactly that kind of life-changing intelligence.

Because right now you can get it in 12 monthly issues of Overseas Retirement Letter — for just $36 $17 today (regular rate $76). You save $59 with this special introductory offer. And I'll also send you at no charge...
  • SPECIAL REPORT # 1: World’s Top Havens Annual Report (retail price: $19.95). Yours free today.

  • SPECIAL REPORT # 2: Join the Retirement Revolution: 101 Tips for Retiring Happy and Living Well Overseas (retail price: $29). Yours free today.
Plus Here's a FREE Gift... Just For Ordering In The Next Seven Days! 
Because I know that if you're interested in living overseas, chances are you like to travel... I've created a third SPECIAL REPORT I'd like to send you...
  • SPECIAL REPORT # 3: Travel Tricks: How to Travel Better but Pay Less (retail price $19). Yours free when you agree to take a risk-free look at Overseas Retirement Letter within the next seven days.
"I look Forward To Reading"

"Keep up the great work... I honestly look forward to reading the succinct info you provide to potential expats... "

— Dan G., United States
With airlines the world over trimming their flight schedules and increasing their surcharges, travel is becoming ever-more challenging. Long gone are the days of being pampered en route. In fact, I just read that one airline has taken potable water off its flights. Yikes.

But travel doesn't have to be so grim. If you know the right strategies, you can still make your travel dollars stretch... and guarantee not just comfortable, but wonderfully rich travel experiences, no matter where in the world your heart takes you...
  • How to choose a credit card that rewards you in airline miles... and whether or not it's worth your while to even have one.

  • How to shave off half the cost of a plane ticket (maybe more)... avoid the security lines... and travel in real style (think: champagne served)... and no, I'm not suggesting you take the train...

  • How to find five-star deals at three-star prices... with one quick Internet search...

  • And lots more easy-to-do tips to transform the way you experience the world...
Travel Tricks: How to Travel Better but Pay Less (retail price $19) is yours FREE when you agree to take a look at Overseas Retirement Letter now, within the next seven days.

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You Take Absolutely No Risk.
Your Investment Is Guaranteed Three Ways. 
You risk nothing when you agree to take a look at Overseas Retirement Letter today. Here's why...

Guarantee No. 1: This retirement-intelligence service is guaranteed to be the most straight-shooting, tell-it-like-it-is, get-there-first report available about the best-value communities on the planet. Sugar-coated Paradise-pushing doesn't do you any favors. So I don't do it. No place is perfect. And I won't tell you it is. But I've been at this for almost 30 years. And I will give you an honest, measured, educated assessment of each destination we feature. So you can decide if it's right for you.

Guarantee No. 2: I'll bring to you a splendid array of options all around the world. Beachfront retreats... cool-weather mountain hideaways... charming European enclaves... laid-back Latin American havens... vineyard sanctuaries... and more. But if you don't feel Overseas Retirement Letter delivers the kind of make-your-nest-egg-last-forever opportunities you're looking for, you can cancel at any time... and I'll promptly reimburse you for any issues remaining in your subscription. No questions asked.
"The Best Time We've Ever Had In Our Lives"

"We're having the best time we've ever had in our lives. Bill and I are thrilled with our purchase of oceanfront... Gosh, what a place... people who are immediate friends, ever-present adventure, beauty around every turn, and a feeling of being in a place few are privileged to find."

— Judy and Bill Ahern, Retired Overseas
Guarantee No. 3: Should you decide the opportunities you learn about in Overseas Retirement Letter aren't for you, all the SPECIAL REPORTS are yours to keep. My way of saying thank you for giving Overseas Retirement Letter a try.

That's how certain I am that you'll love it. You can't lose. And all the risk is mine.
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Why Wait? 
You know, I think a lot of folks with retirement on the horizon are feeling paralyzed. Maybe you are, too. It's understandable. You're likely to live longer. Spend way more on healthcare than you could have ever imagined. And, in today's economy, earn far less on your investments than you probably hoped for.

So what do you do? Lots of folks will simply sit numbly by and hope for the best.

But you have way more control of your future than you may think. Simply look beyond your borders. I'll show you where.

Because you'll find in the world's best-value locales the promise of good, healthy living... a quality of life twice as good as what you're used to, for half the price... and days filled with excitement, interest, and adventure...

If you're ready to join the new "Retirement Revolution" and ensure you never outlive your nest egg... I'd like to show you how in Overseas Retirement Letter.

Go here now to get your deep discount and Special Reports, free:
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Sincerely,

Kathleen Peddicord
Publisher, Overseas Retirement Letter
"No Matter How Busy I Am, I Find Time
For Your Newsletter"

"In a horribly busy world and corporate pressures I find that your newsletter is most informative and a wealth of very interesting and thought provoking information of which I hope to make use of in the near future. No matter how busy I am I find the time to make sure to read your newsletter... keep up the great work!"

— John M., United States
P.S. There's one more benefit that comes with Overseas Retirement Letter that I haven't mentioned yet. When you become a reader, I'll also send you — at no charge — my daily Overseas Opportunity Letter. Dispatched by email, this is where I'll give you alerts, talk about my latest discoveries, pass along intelligence from my contacts around the world, and bring you the up-to-the-minute insights you need to take advantage of opportunities fast.

Some things just can't wait for the next month's issue to roll around. And this gives me a way to pass those opportunities along to you in real time. As I say, there's no charge for this. I'll send it automatically, with my compliments, when you subscribe to Overseas Retirement Letter today.
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P.P.S. In Overseas Retirement Letter you'll discover what millions of retirees overseas already know: In the right destinations, the values are great. The lifestyle is extraordinary. And you can stop worrying about how you'll pay for life... and start enjoying it, instead.

For my top picks of the best-value places to live and invest overseas today — and a deep discount — go here now...
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