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Santa Fe is sweet and simple small town that sits in Panama’s highlands, some four hours away from Panama City by car. The cool mountain setting and lifestyle on offer are comparable to Boquete… at a fraction of the cost. In fact, Santa Fe offers the opportunity for a drastically lower cost of living than most anywhere, at about US$800 a month for a couple.

Life in Santa Fe is best spent out-of-doors, with a huge number of recreation options on offer, from hiking, biking, and river-wading to tubing, horse-back riding, and fishing. Read more about this unassuming, unsung town in the Santa Fe Overseas Haven Report.

Travel hacking is the practice of using credit cards and loyalty programs to amass points, which can then be redeemed for things like free flights, hotel stays, and more.

There are all kinds of credit cards that are tied to airlines and hotel companies, including the Big 3 airlines (United, American, Delta) and brands like Marriott and Hilton. They partner with banks like Chase, American Express, Citi, and Capital One.

Both the banks and the airlines and hotel chains are competing for your business. One way to entice you to sign up for a credit card or a loyalty program is to offer a substantial sign-up bonus.

Once those points are in your account, you’re able to cash them in by booking flights, hotel stays, rental cars, cruises, or whatever else you want to do with your travel funds.

Traveling for free and making use of those perks along the way is a great feeling. It’s one way to affordably fund a lifestyle of perpetual travel. Discover how to get started at travel hacking with this Overseas Haven Report.

A “smart city” is a city that’s smartly run. The city’s movers and shakers work together, think collectively, and use technology to make the city a better place for its residents, with sustainable (and often cost-cutting) innovations…

Smart cities are all about technology working behind the scenes to improve your lifestyle… you don’t even know it’s there, but it makes urban living easier, cleaner, healthier, more efficient, and generally more pleasant…

These cities have transportation that serve residents instead of hinder them. They have local planning laws, for example, that stipulate that tall buildings (businesses and apartment blocks) must be located on a bus route, so development is organized and contained to key “urban corridors of growth.” Transport and real estate work collectively rather than reactively.