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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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    • Health Care Abroad
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    • 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

    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

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

    LEARN MORE
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    LEARN MORE
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    • MORE EVENTS

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    Toll-Free U.S. and Canada:
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    From Outside North America:
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    Reach us with your questions by email at: events@liveandinvestoverseas.com

  • Store

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    • 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
  • 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

    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

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

    LEARN MORE
    DISCOUNT
    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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The Best Time To Retire Overseas Is Always Right Now

The Truth About Moving Overseas

by Kathleen Peddicord
Jan 21, 2020
in How to, Retirement/Living
0 0
baltimore cityscape

Image Source: iStock/Sean Pavone

Some years ago, back home in Baltimore for the holidays, I caught up with an old friend.

Bill had a dilemma at the time.

“This gets complicated, this live overseas lifestyle,” he told me. “We’ve been living abroad for the better part of two decades. Now the children are all grown, and they’re choosing to settle Stateside. As I get older, I realize that what matters most to me is being near them. So we’re working now to organize a life that allows that.

“Another funny thing I’ve realized lately,” he added. “I enjoy being back here in Maryland. Of all the places in all the world where I could be, I’m comfortable here.”

I share this anecdote today because it reminds me of two important lessons.

First…

You can never predict how your overseas adventure will play out.

When I left Baltimore behind 22 years ago, bound for Waterford, Ireland, I had no idea where that single step might lead. No idea that seven years later I would swap Waterford for Paris… and then Paris for Panama City.

Had I tried to plan for the long term, I may never have left home in the first place. Looking too far into the future can be overwhelming. There’s a certain leap of faith involved in taking that first step… and then being willing to let it take you where it takes you.

Of course, it’s a different path for each of us…

Unlike Bill, it looks like I won’t be basing my life around Baltimore… or anyplace in the United States… any time soon. As things are turning out, both my kids have fully embraced the adventure of a life overseas…

Kat, as you know, relocated from Panama City to Paris last year where she and Harry have set up home and are eagerly awaiting the arrival of their baby daughter. I count myself lucky to be able to base myself here in the City of Light for the next few months to spend time with my first grandchild.

Meantime, Jack continues his studies at university in Shanghai. For years, China had been on my list of places to visit. Now, thanks to Jack’s move, Lief and I have a reason to spend a little time in this part of the world… adding a new layer of contrast to our lives, which, before Jack took us to Asia, had been diversified between Latin America and Europe.

You really don’t know how things will play out…

Start Your New Life Overseas Today!
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Luckily, for someone like me—who gets restless being in the same spot too long—my global adventure shows no signs of slowing down.

But, 5 or 10 years from now, who knows how things might change?

Which brings me to my second important point for today…

Get out there while and when you can.

If you’re serious about moving overseas, now is the time to take action… before circumstances conspire against you.

For Bill—and other friends and colleagues who have lived overseas over the years—personal circumstances have called them back to the United States.

Sometimes it’s children and grandchildren… sometimes aging parents… sometimes personal health reasons… sometimes just the lure of home comforts.

And it’s entirely natural to want to go home. As I’ve said, it could happen to me at some point in the future.

But, I guarantee you, by spending some years—even one year—overseas, your life will be richer for the experience. You’ll not only get to appreciate a new culture… but you’ll appreciate more things about your own home, too.

That has certainly been the case with me and Baltimore.

More than two decades ago, I couldn’t wait to get out of B-more. I’d dreamed of living in Europe since I was a young girl…

Today, I find myself admiring Baltimore’s quirks. This city is one of the most historic in the country. It boasts some of the best architecture you’ll find anywhere in the United States plus a lively harbor and a great baseball stadium. I look forward now to any chance to spend a little time back home, soaking up the familiar.

So I’m excited to be hosting this year’s Retire Overseas Conference in my hometown… to be returning to the place where my own journey began… with the entire far-flung Live and Invest Overseas team in tow…

I’m looking forward to introducing my LIOS team to Baltimore… and I’d love to show it off for you, too.

If you’d like help deciding where to begin your own adventure… and the opportunity to pick the brains of hundreds who’ve gone before you… then I hope you’ll join me for our biggest event of the year, taking place Sept. 23-25 in Baltimore’s Inner Harbor.

Over three days together, my global team of experts and expats will introduce you to your top 14 options for living the best lifestyle overseas—on a retiree’s budget—as well as tackling the big-picture issues that may be keeping you awake at night… like whether you’ll need to learn a new language… your best options for health insurance (and affordable, quality health care)… how to manage your banking… what you should bring with you (and the best way to ship it)… how to make new friends… and so much more…

I very much hope to meet you there.

Kathleen Peddicord signature

Kathleen Peddicord

Founding Publisher, Live And Invest Overseas

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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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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

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

GREECE WORKSHOP

VIRTUAL Nov. 13, 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

Sign up to receive the FREE daily e-letter, Overseas Opportunity Letter and we’ll immediately email you our editors’ latest research report…

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