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    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
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    • Foreign Residency & Citizenship
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    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

      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
      • 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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      Home Testimonials

      Sweet Seventeen

      by Kathleen Peddicord
      Apr 13, 2025
      in Testimonials
      0 0
      The gardens of the Tuileries

      The gardens of the Tuileries

      I went to work for Agora Publishing as a copy editor fresh out of school aged 21. Then I spent the next 14 years working my way up that ladder from editor to manager and eventually partner.

      With Agora I moved from Baltimore to Waterford, where I launched Agora Ireland. Seven years later, I made my second international move, again with Agora’s help, to Paris.

      Four years after that, I decided it was time to see what I could get up to on my own.

      At first I thought I’d try being retired. Paris seemed a good place for it.

      Six months into my departure from Agora, I’d improved my French with the help of an immersion language course, visited dozens of museums, and explored every corner of the city on foot. I was living a dream life with no responsibilities beyond my young son Jackson. But I was restless.

      I’ve never been good at doing nothing, and since my accidental early retirement, that’s what my days had been filled with.

      One spring afternoon, after I’d whiled away another morning watching the passersby in a café, I walked to the park across from Jackson’s school and sat on a bench. I looked at my watch. Two p.m. Jackson wouldn’t be out until 4 o’clock. Two more hours to kill.

      Never in my life had I had so much leisure time. It felt like the greatest imaginable waste. During my working days, I’d been the first one in the office each morning and the last one to leave at night. After my kids, I worked every evening after putting them to bed. Now whole weeks were passing without measurable yield. I was afraid I might start twitching.

      Enough. I’d taken the months since leaving Agora as they’d come but no more.

      I required work. And, I realized as the thought formed, I didn’t want another job. It was time to build something of my own. I’d found that I loved the Agora business model. It allowed me to create a scalable income as a writer. I’d do that again, this time for myself.

      When Jackson and I returned to our apartment later that afternoon, I walked into Lief’s home office. He’d just launched a new undertaking of his own with the purchase of the finca known as Los Islotes. Lief planned to develop this former cattle ranch on Panama’s Veraguas coast into a private, luxury-standard community and was, when I entered his office that day, hanging up from another conference call with his surveyors.

      “I’d like to start my own publishing business,” I announced. “Online.”

      Lief had known, I suspect, since the day I’d left Agora that I wouldn’t be able to fritter away my life for long.

      “Okay,” he said without looking up from the property map on his desk. “Panama will be a good place for that.”

      A major life decision made in the course of a two-minute conversation.

      Lief and I had organized relocations from the United States to Ireland then from Waterford to Paris. We knew how to do this.

      We notified the tenant of a rental apartment we owned in Panama City that we wouldn’t be renewing her lease. That set our clock. We now had three months to engineer our move, which would take place early April. That would give Jackson a window of time to adjust before starting at his new school.

      Next we found a property manager who assured us we’d have no trouble renting out our Paris apartment, which neither of us wanted to sell.

      All the pieces fell into place. We packed our bags and repositioned from the City of Light to the Hub of the Americas.

      Getting from Paris to Panama was easy. Starting two businesses at the same time was not. We had to compete for everything, including space.

      Our rental apartment in Panama City had one bedroom. Jackson slept on the couch. Lief was happy as a one-man show for his start-up phase, but I needed staff. I hired our daughter’s boyfriend, Harry, to be my marketing assistant. It was an unexpected option, but no direct-marketing industry exists in Panama. I wasn’t going to find anyone local who understood the business.

      We rented Harry a studio apartment a few blocks away. He’d arrive at our place by 8 o’clock each morning and boot up his laptop alongside mine at the single desk. Lief worked from the dining room table. It was tight quarters but we agreed not to take on unnecessary overheads because money was another thing we had only a limited amount of and needed to share.

      Harry built me a website and helped me cobble together a mailing list, then I began writing a free daily e-letter showcasing opportunities for Americans interested in retiring overseas.

      It was the same plan I’d followed during my career at Agora. It generated income immediately, and I knew it would work long term because I’d made it work before, though I couldn’t say exactly when revenues would exceed expenses.

      Anyone who has started a business from nothing understands. The first years are lean.

      With Harry’s help, we made it through our early years. We moved to a bigger apartment and eventually invested in office space.

      We grew from a team of three to 30 hard-working folks in our El Cangrejo headquarters today… plus another two-dozen in Paris, London, and beyond… including, again, I am delighted to be able to say, a team on the ground in Waterford.

      My first e-dispatch mailed to fewer than 500.

      Today our readership exceeds 500,000 daily.

      This month marks Live And Invest Overseas’ 17th anniversary.

      It hasn’t been an easy or a straight line to get from where we started to where we are today, but it has been an adventure… and a whole lot of fun.

      And, as much as I owe to Lief and Harry for giving me my start, I owe more to you, dear reader.

      If not for you reading these dispatches each day, what point me writing them.

      Your loyalty, support, and custom these many years have been my greatest reward…

      Along with your stories.

      Tales of your success are what keep me and the entire far-flung Live And Invest Overseas team doing what we do. Please keep them coming.

      Until next time, 

      Kathleen Peddicord signature

      Founding Publisher, Overseas Opportunity Letter

      Tags: businessLive and Invest OverseasPanamaParisretirement abroad
      Share83Tweet52
      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

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      THE 10 BEST PLACES TO RETIRE IN 2025

      FREE REPORT: The 10 Best Places To retire in 2025

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