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Your Guide To Overseas Retirement

Kathleen Peddicord by Kathleen Peddicord
Dec 29, 2013
in Retirement/Living
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How To Retire Overseas, Part 1

On this final Sunday of 2013, I challenge you to get up and get going. It’s time.

If you’ve been considering the idea of launching a new life in a new country, today is the day to get started making that dream come true. Here’s what you do:

You take out a piece of paper and a pen. Go on. I’ll wait.

Now, find a comfortable chair, settle in, and make a list.

Write down everything that’s important to you. Consider all aspects of your life, big and small. What do you enjoy? What would you miss if it were gone from your life? What makes you crazy? And what would you like never to have to deal with again? Write it all down on your piece of paper.

Here…I’ll make some suggestions to get you going…

Think about the weather. What do you prefer? Year-round sunshine? Four seasons? Low humidity? Minimal rainfall?

Consider things related to infrastructure. How important to you are wireless Internet and cable TV?

Think about health care. Would you be comfortable being examined by a doctor who didn’t speak English? Do you have an existing health concern that could require emergency medical attention? In that case, it’s important to you to be within a, say, 20-minute drive of a First World hospital.

How do you like to spend your free time? Do you like to surf? Boat? Fish, dive, play golf?

Or are you more interested in gallery openings, live theater, foreign flicks, and pleasure shopping?

Do you like to move around? That is, would your ideal retirement life include lots of travel? In that case, it’s important to you to be within easy commuting distance of an international airport.

How do you like to eat? In restaurants three or four nights a week? Or do you prefer to cook? If cooking is a passion and a pastime, a big and fully equipped kitchen is a priority.

Do you enjoy Aunt Jemima syrup on your pancakes and French butter when you bake? (That’s ok, so do I.)

Do you intend to invest in a place to live in your new home overseas? Then restrictions on foreign-ownership of property as well as the costs of buying and selling it are important to you.

Do you want to own a car in your new home overseas? Usually, you’re better off if you don’t. But if you aren’t going to have a car of your own, local public transportation becomes important to you.

Will you want to be able to return to the States to see your grandkids often? Then the cost of a round-trip ticket from where you’ll be living to where you want to visit is important.

Do you intend to live full-time in your new country? Then the available options for establishing legal residency are important.

Would you like to start a business as part of your new life? Then you care about things like the quality, diversity, and cost of the available local pool of labor, as well as the country’s general doing-business climate.

Will it bother you to have to pay attention to a fluctuating exchange rate between the currency of the place where you’re living and the currency your retirement funds are denominated in? If so, maybe it’d be better to focus on places where they use the U.S. dollar (assuming that’s the currency of your retirement money).

Would you be uncomfortable living among the locals? That is, would you prefer to minimize culture shock and avoid learning a new language if possible?

What would you like to see from your bedroom window every morning when you wake up? The beach? A wildflower-covered hillside? A city scene?

And what would you like to hear outside your bedroom window each night as you fall asleep…

That’s how you get going with this. You make a list.

That’s Step 1. Step 2 tomorrow…

Kathleen Peddicord

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Kathleen Peddicord

Kathleen Peddicord

Kathleen Peddicord has covered the live, retire, and do business overseas beat for more than 30 years and is considered the world's foremost authority on these subjects. She has traveled to more than 75 countries, invested in real estate in 21, established businesses in 7, renovated historic properties in 6, and educated her children in 4.

Kathleen has moved children, staff, enterprises, household goods, and pets across three continents, from the East Coast of the United States to Waterford, Ireland... then to Paris, France... next to Panama City, where she has based her Live and Invest Overseas business. Most recently, Kathleen and her husband Lief Simon are dividing their time between Panama and Paris.

Kathleen was a partner with Agora Publishing’s International Living group for 23 years. In that capacity, she opened her first office overseas, in Waterford, Ireland, where she managed a staff of up to 30 employees for more than 10 years. Kathleen also opened, staffed, and operated International Living publishing and real estate marketing offices in Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France.

Kathleen moved on from her role with Agora in 2007 and launched her Live and Invest Overseas group in 2008. In the years since, she has built Live and Invest Overseas into a successful, recognized, and respected multi-million-dollar business that employs a staff of 35 in Panama City and dozens of writers and other resources around the world.

Kathleen has been quoted by The New York Times, Money magazine, MSNBC, Yahoo Finance, the AARP, and beyond. She has appeared often on radio and television (including Bloomberg and CNBC) and speaks regularly on topics to do with living, retiring, investing, and doing business around the world.

In addition to her own daily e-letter, the Overseas Opportunity Letter, with a circulation of more than 300,000 readers, Kathleen writes regularly for U.S. News & World Report and Forbes.

Her newest book, "How to Retire Overseas: Everything You Need to Know to Live Well (for Less) Abroad," published by Penguin Random House, is the culmination of decades of personal experience living and investing around the world.

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