How To Retire At Any Age—
And Guarantee Yourself A Richer Lifestyle

In my 20 years living overseas—and more than three decades spent mixing with expats the world over—I’ve come to understand that retiring overseas is not as simple as finding a super-cheap place where you can stretch your income.

In considering your options overseas, you have to think about what each place has to offer you.

Because, really, the point of this opportunity is to uncover a richer lifestyle—whatever that means to you…

You may wish to follow in the footsteps of Bill and Anne Piatt, for example, who live part-time in a charming Caribbean beach town—the perfect escape from running a busy bed-and-breakfast in Virginia…

Or Darren and Wendy Howarter who simply couldn’t face another winter of Illinois snow. Today, as full-time expats in Medellín, Colombia, this couple enjoys year-round, spring-like temperatures in a cosmopolitan city where they can enjoy a cocktail on their balcony as they watch the sun set each evening…

Or Stephanie Calcott who—fed up of being on the road for work too many weeks of the year—longed to spend more time with her husband and young son. This California family sold everything they owned Stateside and set off for a big adventure on Portugal’s stunning coast…

All of these expats would tell you that they live on lower—in some cases far lower—budgets in their new homes overseas than they did back home.

However, I’d say that a lower cost of living is not really the biggest perk of going overseas… and I know that all of the real-life expats I’ve been telling you about would agree.

This discussion about the idea of retiring to a new country usually begins with cost.

Sure, we’d all like to live for less… and to stretch whatever nest egg we’ve got as far as possible.

For some of us, it’s a critical matter. Some folks nearing retirement simply don’t have enough to retire on.

Fair enough.

But once you get into this… once you begin looking more closely at the prospect of a new life in a new country, you realize that a reduced (maybe way reduced) cost of living is only the beginning of the upsides.

As important… in fact, I’d say, in the long run, more important… is the improved quality of life that I promise you is waiting for you just on the other side of this.

Your new life in whatever destination is calling your name could be fuller, richer, more interesting, more diverse, and more full of adventure, discovery, and fun than your old life ever had any chance of being.

Moving to a new country is a chance for reinvention… for starting over…

In a place where you’re part of a new community, contributing, learning, growing…

Here’s how Stephanie Calcott describes the changes she’s seen since her family’s move:

“In California we were always in a hurry, always rushing. We never seemed to have time to just enjoy life and each other.

“We now spend our mornings exploring the town or having a meia de leite (espresso with milk) on the beach. We take Portuguese lessons twice a week. We have family dinner every night, which we never had time for back when we were living in the States.

“The back-to-basics lifestyle has given us exactly what we wanted… time together as a family!”

For the Calcotts, it was the Algarve that ticked all the boxes.

Does the idea of living on one of Europe’s most stunning coastlines appeal to you?

Or do you have something entirely different in mind?

Perhaps you’re keeping your options wide open…

Wherever you stand, I have you covered.

Which brings me to the final critical question you should be asking yourself at this stage…

This is the point where many would-be expats and overseas retirees get overwhelmed…

Ok… so take a step back…

There are 195 countries in the world.

Not all of them are places you’d want to live… but a handful of them offer irresistibly tempting lifestyle options right now.

Start with a list. What are you looking for?

Here are some suggestions… to get your imagination flowing…

Maybe you’d like to find:

• A high standard of living (at an affordable cost)…
• Plenty of opportunities for culture and leisure…
• Loads of sunshine…
• A strong, reliable infrastructure…
• High-quality health care…
• A welcoming community (with an established expat presence)…

Sounds pretty good, doesn’t it?

I could right now point you toward 13 countries that measure up according to these criteria.

I introduce each of these world’s best places to retire—some where you could live the good life on a budget of as little as $700 a month—in Section III of my new book.

Before we look more closely at your best options for where to think about reinventing your life overseas, let’s back up a little…

Confessions Of A Serial Expat: 
The Secrets To A Successful International Move

Remember life before GPS? Those times when you started out on a car journey with a sketchy idea of where you were going… and, after a series of wrong turns (and an argument with your spouse or travel companion), you arrived at your destination… tired, stressed, emotional, and wishing you’d never left home?

That’s just scratching the surface of how I felt during my first international move.

Leaving behind Baltimore, Maryland, where I’d lived my whole life until this point, for little Waterford, Ireland, I had no idea what lied ahead.

I consoled myself by reminding myself that I was moving to an English-speaking country. How difficult could this be…

Well… more difficult than I imagined, I discovered.

When you’re living out of a hotel room, with a homesick 8-year-old, while searching around frantically for an apartment to rent…

When you’re trying to train up new staff who sometimes seem more concerned about their tea-breaks and holidays (protected by law) than the looming deadlines…

When your charming new Georgian country home has to have its walls torn down and whole floors removed… thanks to Ireland’s “rising damp”…

That’s when you realize that every paradise comes with challenges.

I’d like to say that my family’s second international move—to Paris—was smoother. But this time around I had a new language to contend with… not to mention the infamous French red tape to navigate (the French, remember, invented the word for “bureaucracy”)…

If I’d known then what I know now, I could have saved myself a lot of time, money, and sleepless nights.

But, back then, there was little to no help available for the rookie expat.

In Waterford, Ireland, and, later, after our third international move to Panama City, Panama, we were among only a handful of pioneering expats in town.

We figured everything out, day by day, through trial and (lots of) error.

This is not how I recommend you approach your own international move.

Not only because it’s costly (we’re talking tens-of-thousands-of-dollars costly)… but also because those first few months—when you should be enjoying your new life—go by in a blur as you try to figure out the most basic things.

As the Founding Publisher of Live and Invest Overseas, it’s my mission to help you navigate your move as smoothly and as painlessly as possible… so that you savor—rather than survive—your early days in your new home.

It is in that spirit that I speak with you today…

As I mentioned, I’d like to send you a free copy of my new book, “How to Retire Overseas: Everything You Need to Know to Live Well (For Less) Abroad.”

Published by Penguin Random House, this 330-page book introduces you to the top 13 escapes worth your consideration right now…

While also sharing my no-holds-barred insights on moving, living, investing, and doing business overseas… based on 30 years covering this beat and 20 years of first-hand experience.

Recently updated and expanded for its Second Edition release, the book lists for sale on Amazon for $16. However, today, in an effort to share this opportunity as far and wide as possible, I’d like to put a copy of my book in your hands… to arm you with both the knowledge and the confidence you need to begin taking action toward realizing your own live- and retire-overseas dreams.

To give you an idea of what you can expect from your free copy of my new book, I’d like to give you a sneak peek inside…

“For anyone considering retiring overseas, this book is a must..”

–Chicago Tribune

First, though, I should probably take a minute to introduce myself properly.

About The Author

Again, my name is Kathleen Peddicord. For more than 30 years, I have been exploring the world for fun and profit—and reporting back about my discoveries for hundreds of thousands of readers.

My family and I have been living overseas for 20 of those years—originally leaving the United States behind for our first adventure in Waterford, Ireland. From Waterford we moved to Paris, France, and from there, in 2008, we made our third international move to Panama City, Panama…

Most recently, my husband Lief Simon and I have returned to Parisian life. Now we divide our time between France and Panama.

In total, I have traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, and renovated properties in 6. I’m interviewed and quoted regularly by The New York Times, Money magazine, CNN, and beyond, and I think it’s fair to say that I am considered the world’s most well-respected authority on overseas living and retirement.

I have written several books on these topics… including the brand-new edition of “How To Retire Overseas” that I would like to send you free today.

You Can Take These First 10 Steps At Home…

The only way to approach this very big idea of relocating to a new country is to break it down into manageable steps.

Specifically, as I detail in Section I of my book, I recommend that you begin with these 10 steps… all of which you can begin to take action on now, from home.

Here goes… here’s how you begin to set yourself up for a successful move overseas…

Start with:

• The 14 Most Important Factors To Consider As You Search For Your Ideal New Home—plus the one thing I have found that can make or break your move. (This is covered in pages 3-13 of my new book.)
• How To Create A Budget For Your New Life Overseas. I’ll tell you exactly how much you need to live where you want… and, if your current income or nest egg comes up short, I’ll show you how to find the money you need to be able to indulge fully in everything your new life overseas has to offer. (Pages 13-24.)
• How To Get Started Focusing In On Where To Go. We’ll dig deeper into the world’s best places to live later, but here I share the 4 things you need to know as you begin your search. (Pages 24-28.)
• How To Legally Install Yourself Overseas—from living on a tourist visa (which many expats find works for them) to establishing permanent residency (and citizenship) in your new home. (Pages 28-33.)
• Plus the world’s Easiest And Cheapest Places To Become A Legal Resident and benefit from loads of special perks, incentives, and tax breaks. (Pages 28-33.)
• How To Save Yourself Thousands Of Dollars In Taxes Every
  Year—even live tax-free… depending on where you choose to relocate… and how much of the year you spend in residence. (Pages 33-38.)
• How To Find The Best Health Care And Insurance Plan—including the 3 top international health insurers for Americans overseas… as well as the big potential upsides of “going naked” in your approach to local medical services. (Pages 39-46.)
• How To Buy Your New Home Overseas… if you decide that’s what you want to do… and when it makes more sense to rent instead. Plus, the secret real estate agents overseas hope you never find out… and the 12 things to know before you even think about signing a property purchase agreement. (Pages 46-56.)
• Sell It… Store It… Or Ship It? Ready for a yard sale? You’ll be surprised how little you actually need in your new life overseas… how much cheaper certain items can be overseas… and 3 items I recommend you definitely do not bring with you. (Pages 56-63.)
• How To Create Your Own “Portable Office.” Learn how to stay connected with friends and family… manage your banking and bill payments… and get paid by your clients from anywhere in the world. Also, the best way to receive mail in your new home overseas. (Pages 63-68.)

Following through all 10 steps that I’ll walk you through in this section of my book will lay a solid foundation for your move.

Then, these issues addressed, you’re ready for the next step… the most exciting part of the process…

The search.

“If you’re thinking about living abroad in retirement, this book is essential reading.”

–Wall Street Journal

So… What Have You Got In Mind?

A lower cost of living… warm, sunny days year-round… a water view from your terrace…

Whatever you’ve identified as being most important to you, here’s where I’ll show you your best options to meet that agenda. Among the star locations I’ll introduce you to in this section of the book, you’ll discover:

• The Top 3 Cheapest Places To Live In The World—including one that is hands down the world’s best quality of life buy for the money. (Pages 80-84.)
• The 3 Best Places To Retire To The Beach—if it’s the beach life you dream of… here’s your ticket. (Pages 88-91.)
• 3 Of The World’s Coolest Mountain Escapes—including one with a world-famous truffle festival each fall and an annual summer film festival that attracts the international jet-set. (Pages 91-93.)
• 2 Top Places In The World To Move With School-Aged Children—so that both you and they can enjoy the advantages of raising kids in a foreign country. Pages 93-99.
• The Single Best Place In The World To Run A Business. Yes, you can run a laptop operation from anywhere in the world. However, if you’re thinking of something bigger—requiring an office or manufacturing space and extra staff—then this place deserves your attention more than any other. (Pages 99-105.)
• Where To Find The Most Modern, Efficient, And Super-Cheap Health Care Today—and two other top options if you have specific health concerns. (Pages 105-107.)
• 4 Places With Great Weather All Year Round—from “eternal spring” to four mild seasons… these places are ideal for you if you enjoy spending time in the great outdoors. (Pages 107-110.)
• 4 Best Places For Part-Time Retirement—come and go as you like… access is easy and cheap. (Pages 111-112.)
• 2 Best Places To Go If You’re Just Not Up For Learning A Second Language—they speak English here! (Pages 110-111.)
• Three Places Where You’ll Be Welcomed By A Thriving Expat Community—frankly, a new life in a new country doesn’t get easier than this. (Pages 117-120.)

“[Peddicord] leaves few foreign stones unturned, giving readers step-by-step pointers as well as insights to several travel-tested locales that are retiree-friendly… ‘How to Retire Overseas’ could lend a refreshingly different look at your future”

–Pittsburgh Post-Gazette

Revealed: The World’s 13 Best Places To Reinvent Your Life And Chase Adventure Overseas

By the time you reach page 129 of my book, you’ll have figured out what’s most important to you in your new life overseas… and you’ll have ideas about the places that may fit your needs.

Next it’s time to explore these places—the absolute best havens in the world today to live a very good life indeed—and see how each measures up against the others.

Which will you add to your short list? And which will you strike off? That’s for you to decide, of course…

However, I can assure you that, among these paradises—ranked and rated for ease of comparison—you’ll find places where you can:

• Enjoy Spring-Like Temperatures Year-Round—in one of the prettiest, safest, and most innovative and progressive cities in the world. (Pages 137-142.)
• Embrace A Quintessential White-Sand, Azure-Water, Palm-Trees-Swaying Caribbean Existence… For A Fraction The Usual Cost—prices to own a home of your own on this beach start from just $180,000. (Pages 142-148.)
• Find Dream Properties At Bargain-Basement Prices… Both For Rent And For Sale—including two-bedroom apartments from $50,000… and two-bedroom townhouses from $100,000. (Page 148.)
• Visit The Doctor For Just $25… in a place where doctors spend at least 30 minutes with each patient… and really listen to what you have to say. (Page 149.)
• Qualify For Legal Residency By Proving Just $800 In Monthly Income… or invest just $25,000 in the country (I’ll even tell you about one particularly interesting real estate purchase that qualifies). (Page 151.)
• Live La Dolce Vita—At A Fraction The Price Of Tuscany. Rent here from as little as $700 a month… or live a sweet and simple country life on your own property from as little as $150,000. (Pages 164-169.)
• Discover Asia’s Top Option For Retirees Offering A Generous Residency Package. English is widely spoken here, and you can rent a furnished, two-bedroom apartment from $500 a month. (Pages 170-177.)
• This Is Maybe The Easiest Option Of All—and it’s also a place where you can walk for miles along a beautiful, uncrowded beach within the city limits. This is the best of both beach and city living… all in one. (Pages 177-184.)
• Rent For As Little As $300 A Month In This Lush Mountain
  Town—renowned for its mineral springs, healing mud baths, and overall healthy environment. (Page 194.)
• Live With The World’s Best Golf On Your Doorstep—as well as 100 miles of unspoiled coastline… and, with more than 300 days of sunshine a year, you’ll have plenty of opportunity to enjoy both. (Pages 203-210.)
• Enjoy $1 Lunches And $11-A-Night Hotels—in one of the cheapest places on earth to live well. (Pages 211-218.)

“Whether you’re in the ‘what if?’ stage, or have graduated to an investigatory visit, or are now seriously intending to live overseas… ‘How to Retire Overseas’ will be one of your essential resources..”

–Rapid River Arts & Culture (Asheville, NC)

So, You’ve Shown Up In Paradise—Now What?

Now… I know (from three decades of experience) that you can find the absolute ideal place for you to settle overseas—a place where you can live the lifestyle you’re dreaming about… on the budget you’ve got…

That said, no place is perfect.

No matter where you go, this grand adventure is going to take you out of your comfort zone and it’s going to pose some challenges.

That’s why one section of my new book is given over to the top issues you’ll face as you settle into your new home.

Things like:

• How To Build Your Dream Home In Paradise—including 9 questions to ask a builder before you commit to a contract. (Pages 237-240.)
• How To Furnish Your New Home Overseas—what’s worth bringing and what should you definitely leave behind? (Take my struggles matching U.S. bedframes with Irish-size mattresses as a warning.) (Pages 240-243.)
• Finding Reliable Help (The Kind That Actually Shows Up For Work)—and what to do when the help you’ve hired completely lets you down. (Pages 243-245.)
• What You Need To Know If You Decide to Undertake A Renovation In Another Country—and the biggest mistake you can make when you decide to take on this kind of project. (Pages 232-237.)
• How To Open A Local Bank Account—this is more complicated today in our post-FATCA world… but there are secrets to success… I share them. (Pages 245-247.)
• How You Can Earn $104,100 Tax-Free Living In Your New
  Home—and what you need to know to stay tax-compliant as an American overseas. (This information could save you an IRS headache and thousands of dollars.) (Pages 250-252.)
• How To Decide Whether To Bring Your Car With You Overseas… Whether To Buy A Car In Your New Home—and when you’re better off having no car at all… Plus, when and for how long you get by using your U.S. driver’s license. (Pages 252-257.)
• How To Break Through The Tourist Barrier—never shop where tourists shop… never eat where tourists eat. (Pages 257-265.)
• How To Become Part Of Your New Community—my sure-fire secret to making friends in your new home… and why it’s so important to find a way to give back. (Pages 257-265.)
• Surviving The Wild West Property Markets Of Developing Countries—and how to protect yourself from the developer predator. (Pages 269-273.)
• What To Do When Panic Sets In—because it will! It has happened to every expat I’ve known. I share the best coping mechanisms I’ve learned over the past three decades… I promise this will see you through your toughest expat days. (Pages 283-288.)

“This book presents an extraordinarily clear-eyed and unvarnished view of the experience of relocating abroad. Particularly thought-provoking is the section on ‘Settling In’ where Peddicord relates her experiences and frustrations in setting up a household in a new country.”

– Charles D

You’ll find all of this and much, much more—including a detailed monthly budget for each featured destination (pages 305-319)—in your free copy of “How to Retire Overseas: Everything You Need to Know to Live Well (For Less) Abroad.”

My team would like to send you your copy of my new book with my compliments. All we ask is that you cover the cost of shipping and handling… which amounts to $4.95.

Access 3 Special Bonuses Along With Your Free Book

However, the book is just the beginning of the invitation I’m extending to you today…

In addition to a copy of my new book… I’d also like to send you three special reports, at no additional charge, to help you advance further toward your dream of a new and better life overseas.

Bonus Special Report #1: Most Frequently Asked Questions Related To Living And Investing Overseas (a $9.95 value)

It’s exciting to think about a brand-new start in a brand-new place where you can enjoy all the things you’re missing out on right now and have the life you’ve long dreamt about…

But, as you work through the process of getting from where you are today to where you’d like to be, questions will arise.

In this report, I answer 30 of the most often asked “stumbling-block” questions, including:

“Can I still receive my Social Security payments?”

“Can I drive on my home country’s driver’s license overseas?”

“What happens if I die overseas?”

“Living overseas, would I lose my original citizenship?”

“How do I qualify for health insurance overseas?”

And many others.

These are the answers to the questions you haven’t even thought to ask yet… real-world practical advice to make sure your adventures overseas are as smooth and hassle-free as possible.

Bonus #2: The 4 Best Places To Retire Overseas Right Now (a $39.80 value)

In my new book I introduce you to the 13 best places to think about living or retiring overseas.

In addition, I’d like to showcase for you, in greater detail, the very appealing and affordable lifestyle opportunities on offer in 4 places in particular.

This is my short list… my personal favorite places on earth to spend time.

I’d like you to get to know these places as I have… and so, as an additional special bonus, I’d like to send you a series of four illustrated reports.

Each of these in-depth guides includes photos, maps, video clips, and expat interviews to help you see just how remarkable (and remarkably affordable) your life could be in these 4 very special places.

From the Old World to the New… from the Caribbean to the rain forest… from the world’s best beaches to one of the world’s most celebrated cities… these extraordinary places make my short list of the best of the best.

Bonus #3: Free two-month trial subscription to my monthly Overseas Living Letter

Your free copy of my new book will help you answer the big-picture questions of what you’re looking for in your new life overseas… and, based on your personal requirements and priorities, help pinpoint the places in the world where you could make all your lifestyle dreams come true today.

In my monthly Overseas Living Letter subscription service, our correspondents on the ground across the globe dig deeper into day-to-day living in the most appealing corners of the world.

Each Overseas Living Letter feature report provides detailed, itemized budgets; sample property listings; guidelines on how to bring your pets with you; details for how to qualify for a visas and residency; a one-of-a-kind rolodex of local contacts so you can start networking before your visit… and so much more.

These monthly, insider reports are the closest look you can get at a place without booking a flight. The aim here is to help to further narrow your focus, so you can decide which places are worth visiting in person.

In my monthly Overseas Living Letter subscription service, you’ll be introduced to:

• Little-known havens where you can become part of a warm and welcoming community—where time is yours to spend on the things you enjoy most…
• Safe places where you can live part- or full-time… come and go as often as you want… why not when access is so easy and cheap…
• Sunny escapes where you can spend more hours outside… where you’ll eat better, live healthier, grow fitter, and even lose weight with every passing day…
• Tranquil havens where you can rent from $343… or own a four-bedroom townhouse for as little as $66,000…
• Opportunities for you to earn an income (maybe working 4 or 5 hours per week… maybe not working at all) in your new home—whether you need cash flow to support yourself or just a little extra to supplement your existing income…

Again, all of these resources, including a copy of my new book, are yours free. All we ask is that you cover the $4.95 cost of shipping and handling for the book.

As soon as you’ve completed your order, and while you await delivery of my new book in the mail, we’ll send you immediate access to your special bonus reports… and we’ll welcome you on board as an honorary Overseas Living Letter reader for 60 days.

If you like this monthly subscription-only newsletter, I hope you’ll decide to stick with us.

For your convenience, after this 60-day trial, we’ll bill your card a fully-refundable, 1-year subscription fee of just $36.  If you don’t wish to continue, no problem. Just let us know anytime within your two-month trial period and your card will not be charged.

You can take the next two months to see whether Overseas Living Letter helps you plan for a richer, more prosperous future. No matter what you decide, my book, along with your two bonus reports, are yours to keep forever.

Don’t Delay—These Free Books Won’t Last

I urge you not to delay in responding to this very special invitation. I have just a limited supply of hot-off-the-presses “How to Retire Overseas: Everything You Need to Know to Live Well (For Less) Abroad” books that I can give away free.

When this stack of books in my office has been sent out, we’ll have to take this offer off the table.

And I expect these books to go very quickly.

One more time, here’s a quick run-down of everything you’ll get when you take me up on this limited offer today:

• Your own free copy of my new 330-page book, “How to Retire Overseas: Everything You Need to Know to Live Well (For Less) Abroad.”
• A Special Report on the “Most Frequently Asked Questions Related To Living And Investing Overseas“. Finally, every question you’ve got about moving to a new country answered.
• A series of illustrated guides to my personal favorite 4 places in the world to spend time… these are my short list for the best of the best available in the world today.
• A two-month free trial subscription to my Overseas Living Letter monthly subscription service.

Again, all we’re asking is that you cover the cost of shipping the book to you.

Please click now where indicated below to tell me where to send your copy of my new book, “How to Retire Overseas: Everything You Need to Know to Live Well (For Less) Abroad.”

Then your book will be on its way to your mailbox… and your free Special Bonus Reports will be delivered immediately to your inbox.

I can only keep this invitation on the table as long as these freshly printed books last. Once the pile in my office clears, the book will be available only to buyers on Amazon at full price. Please don’t miss this chance to grab a copy of my new book with my compliments.