Stop Worrying about How You’ll Pay for Life. and Start Enjoying it, Instead

In the Right Places Overseas, You Can Live Better Than You Do Now Maid, Dinners Out for as Little as $694 a Month

Dear Live and Invest Overseas Reader,

Our editors have just published a special report on the world’s top 21 overseas retirement havens. the best places on earth for improving your quality of life while reducing your cost of living. including complete details on the 5 cheapest places in the world to retire today.

We’d like to send you this new and comprehensive guide with our compliments.

I’ll share details for how you can obtain your free copy of this one-of-a-kind resource in just a minute. First, I’d like to introduce you to just a few of the tempting retirement Shangri-la’s it features.

In The States, We Couldn’t Afford

This Life At All

In the mornings, Judy Ahern sips a cup of tea, one hip perched on the rail of her open porch, and looks out over the turquoise waters, listening to the tide slosh in.

Sometimes horses gallop by on the beach. Often she takes a quick swim. Always she’s struck by how lucky she feels. And how alive.

We never imagined we’d be able to afford an island retreat — let alone one right on a secluded beach, Judy says.

For years we’d check out the real estate when we were on vacation. we looked all over Hawaii and in other places on the water. But it was always too expensive.

Yet here we are today on this Caribbean island, pretty much full-time. We’re enjoying the open-air house we had built — and an incredible quality of life — for a fraction of what it would cost us anywhere else nearby.

In the States, we couldn’t afford this life at all.

Meet Kathleen Peddicord

Kathleen Peddicord has traveled to more than 50 countries, invested in real estate in 21, established businesses in 7, and renovated properties in 6. She’s covered the live and invest overseas beat for almost 30 years and is considered the world’s most well-respected authority on overseas retirement. Kathleen is regularly quoted in the New York Times. Money magazine, and beyond. She has written innumerable books (including the latest one for Wiley & Sons released last year), reports, and essays on where and how you can escape the retirement-tromping economy at home and live like royalty on a modest budget. invest for profits overseas ahead of the crowds. and secure your dream retirement in the world’s best destinations.

Originally from California and in their 70s today, Judy was a teacher and actress. Her husband, Bill, is still in the airplane-parts business.

Back in 2002, they traded in their expensive, traffic-clogged life for a quieter, more affordable one on a lush, mountainous island where sand crabs meander across the roads. You may never have even heard of this place (though it’s only a two-hour flight from Houston).

This little country, with its long coast and sand-fringed cayes, offers a residency program with

special tax benefits.

Yet here on the island of Roatan, Judy and Bill have access to solid healthcare. a full dinner of fresh lobster with wine and dessert costs less than $30. they can get homemade cheesecake squares at the local bakery and fresh lettuce, fruits, and veggies at the organic farm.

And in this place, $199,000 buys a two-bedroom, two-bath home with a private pool on nearly an acre of land, just a 60-second stroll to a mile-long private beach.

With $135,000, you could own a luxury condo here with hardwood floors, high-end appliances, a community pool, panoramic vistas from your private deck. and be just five minutes by foot from the shops, restaurants, and groceries in town.

Moving here changed the way we experience life. for the better, Judy told me. There’s a freshness here. A quickening of the senses.

Instead of retreating someplace to retire, we’ve reached out toward new challenges.

I’m keeping busy as the director of a pre-school that serves underprivileged, working families. And I’m editor of our local island magazine, too.

Sure, living here isn’t without its inconveniences.

But it’s as if we’re looking not at the end of our lives now. but at the beginning of another life altogether!

Retirement doesn’t have to be about difficult compromises. It isn’t for Judy and Bill. And it doesn’t have to be for you, either.

If you’re intrigued by Judy and Bill’s experience — whether you’re ready for retirement now or planning for the future — I know you’ll be excited about what I have to share with you.

Because even though for millions of people retirement in the years to come is likely to mean cutting back on pleasures like dining out and on vacations. or, worse, demand downright frugal living.

It doesn’t have to mean that for you!

No matter what the economy does back home, today you can retire overseas in style. live like a movie star on a school teacher’s budget. and never outlive your nest egg.

If, that is, you know where to go. Around the world are places where you can.

• Live comfortably in a modern, 2600-square-foot apartment with mountain views. on less than $15,000 a year.

Leonard and Jenna are part of what is rapidly becoming a real movement among adventuresome (and pragmatic) folks. You might even call it a Retirement Revolution.

And it’s something you can easily take advantage of, too.

After all, do you really want to cut back or make do at this important stage in your life?

Or are you ready for some peace of mind? To know you’re set for life. To live not just comfortably. but even extravagantly. and do it on much less than you spend today?

If you’re ready to enrich your life in retirement. find new ways to spend your days. discover. explore. grow.

Look overseas. You can’t afford not to.

You know, maybe it doesn’t bother you. but it sure bugs me that all you see in the papers these days are stories about war, politics, and economic catastrophe.

To be fair, the U.S. is embroiled in Iraq and Afghanistan. struggling with critical health care and Social Security situations. home prices are falling, the costs for food and fuel have jumped, credit is tight, the stock market is uncertain. (A recent AARP survey reports that one in four people aged 45-54 plans to delay retirement because of the economy.)

But the thing is. what you don’t get in the papers are reports about attractive alternatives overseas (in Europe, Asia, and Latin America) where people are friendly, crime is almost non-existent, the health care is excellent, and the prices for everything from homes to groceries to doctors’ visits would make you think it’s 1953 again.

That’s not really breaking news, I suppose.

But it IS the reality in the places around the world I’d like to show you.

Places where you can take that dream you’ve always had about an open-air home right on the beach. or a hillside retreat tucked into a vineyard. or a cosmopolitan pied-a-terre in vibrant city.

and you can make it your reality on as little as $1233 a month. (Slash that to $694 a month if you’ll own your own home and won’t have to pay rent.) No kidding.

That’s what this ‘Retirement Revolution’ is all about. It’s for forward-thinking souls like you who are looking for an alternative to what we traditionally think of as ‘retirement.’

That’s what this Retirement Revolution is all about.

It’s for forward-thinking souls like you who are looking for an alternative to what we traditionally think of as retirement.

It’s for people who are ready to enrich their lives, to find new and interesting ways to spend their days. to discover, explore, grow.

And to live well on a fraction of what it would cost at home.

Find out where to go now from an expert

who’s been right about the best-value places every one of the past 30 years

I’d like to help you do exactly that. First though, let me introduce myself.

My name is Kathleen Peddicord. I’ve been covering the live and invest overseas beat for almost 30 years, writing, editing, and publishing magazines, newsletters, books, and reports devoted to retiring well and investing for profit abroad. I’m from Baltimore, Maryland, originally. But for more than a dozen years, I’ve lived overseas with my husband and two children — in Ireland, then Paris, and now Panama.

I’ve traveled to more than 50 countries, invested in real estate in 21, established businesses in 7, and renovated properties in 6.

And over the years, I’ve fostered a truly far-flung network of globally minded colleagues and friends — people who, like me, are living, investing, and doing business in good-value destinations all around the world.

The Babe Ruth of Overseas Living

Kathleen Peddicord is like the Babe Ruth of overseas living.

— Scott U. United States

So when a reporter at the New York Times or Money magazine wants to write a story about the best international destinations for affordable retirement, they call me. I’m a contributor to ABC radio’s Expat Show and I’ve been a guest on Good Morning America. When the AARP is looking for an authority on overseas retirement, I’m the person they talk to, and when Penguin Books decided it wanted to launch a line of How To Retire Overseas, I’m the one they called.

I guess it’s fair to say I’m an expert in where to retire overseas. And I seem to have a nose for the next, great, up-and-coming retirement hot spot.

More than 20 years ago now, I was among the very first retirement advisors to recommend places like San Jose, Costa Rica. San Miguel de Allende, Mexico. and Ambergris Caye, Belize.

I’ll reveal to you the world’s

top hidden retirement haven,

the City of Flowers and

Eternal Springtime

That was well before the rest of the world caught on to those good-value, welcoming, warm-weather destinations.

And while today those places are well-discovered — and not nearly as affordable as they once were — the idea of living well for less is just as appealing now as it ever was.

Given the current economic climate. it might even be more appealing!

Yet as word gets out about a place and it becomes more mainstream, people go in greater and greater numbers. Demand increases for properties to rent and to own. And as the market heats up, so do prices. The best values eventually fade.

But it’s just like what happens in big cities around the world where neighborhoods get gentrified and prices rise. then the artists and young hipsters and, increasingly, retirees migrate toward new frontier neighborhoods.

Well it’s the same idea with retirement frontiers overseas. There’s always some community ripe for discovery. Some hidden gem where you can enjoy an incredible quality of life for next to nothing.

I make it my mission to know where those places are.

And I’ve just collected my current favorite finds in a SPECIAL REPORT I’d like to send you — absolutely free.

Get Kathleen Peddicord’s top picks for the world’s best-value destinations today.

yours FREE

Twenty-one top picks, in fact. They’re all included in our Annual Retire Overseas Index (retail price: $19.95) published with Overseas Retirement Letter readers in mind.

You see, I appreciate your dilemma. From the myriad new-home possibilities out there, you’ve got to narrow it down to one single place to hang your hat.

And, every month, in the Overseas Retirement Letter . you’ll be presented with a tempting new retirement destination. One month, you may be convinced, This is it: I’m moving to Italy’s Abruzzo region! A month later, you’re gushing over Belize’s Cayo region. Then you see Cuenca, Ecuador, is coming next month. Now, mightn’t that be worth sticking around for.

Sometimes, I fear, in bringing you up close and personal with our favorite retirement havens around the world, we’re doing more harm than good. making your challenge not easier but more difficult!

And, so, our Annual Retire Overseas Index was born

In this special report, we take our favorite locales around the world (all featured in past Overseas Retirement Letter issues), highlight their strong and weak pointsranking them all on the important things that affect expat life, including cost of living, quality of health care, infrastructure, climate, safety, whether English is spoken, ease of residency/citizenship, taxes, real estate, and so on.

That way, you can quickly see where each haven shines. as well as the areas where it’s less than perfect. And, if a sunnier climate. or a low cost of living. or having an existing expat community to connect with. is of utmost importance to you, you can take a flip through the index and identify the best areas to start considering for your new home.

Of course, lots of organizations out there publish their own annual indexes — covering everything from cost of living to health care and quality of life. Thing is, these indexes are generally country-focused. They’re trying to compare, for instance, Brazil with Croatia. But you’re not going to retire to Brazil. Nor are you going to retire to Croatia.

In Brazil, you’re going to retire to the beach in Fortaleza or maybe opt for big city life in Rio. In Croatia, you might choose a fairytale hill-town in the northor an island escape in the Adriatic. In other words, your options in any one country are diversemaking it impossible to attribute across-the-board scores for a country. Not to mention meaningless for you, the would-be expat.

What does it matter if the average living cost for France is $3,000 a month, when you could live for $2,000 in the charming Languedoc region?

That’s why we focus on specific destinationsboth in the monthly Overseas Retirement Letter and in this special Annual Retire Overseas Index . And, as an Overseas Retirement Letter subscriber, you get free and immediate access to this reportplus, you’ll be first to receive a complimentary copy of the 2015 index when it’s ready!

Among the 21 top picks in our Annual Retire Overseas Index . you’ll find places where

• You could live a very comfortable lifestyle for $1,250 (or less) a month. (You’ll find six of these low-cost destinations featured in the report).

You’ll find all of this in the Annual Retire Overseas Index yours — at no charge — simply for taking a look at our entirely unique retirement-intelligence service called the Overseas Retirement Letter .

No sugar-coating. Just the facts.

Delivered with a lifetime of perspective.

The Overseas Retirement Letter is not a glossy magazine. It’s an intelligence service.

A detailed, down-and-dirty, tell-it-like-it-is, get-there-first report from the real world about the best communities for good-value living and investing all over the planet.

I don’t sugar-coat any place. That sort of it’s the perfect paradise language doesn’t do you any favors if you’re seriously thinking about moving and investing overseas.

I know that. And so do you.

No place is perfect. And in the Overseas Retirement Letter I won’t tell you it is.

But I will give you an honest, measured assessment of each destination we feature. And tell you not only what it has to recommend it. But what the drawbacks and potential pitfalls are, too.

I’ve been in this business for more than two decades. I know the questions to ask. I know the risks you’ll want to avoid. And I’ll get them on your radar screen.

That way you can decide for yourself whether a place is worth investigating firsthand. or not.

Sophisticated and Thoughtful. and Therefore More Useful

I have to say that you seem to dig deeper into the feel of a particular place and to do comparative analysis between alternative places. Your approach is more sophisticated and thoughtful and therefore more useful than that of other e-letters I’ve read covering these same subjects.

— John W. United States

After all, what’s important to you isn’t necessarily what’s important to the next guy. Everybody’s situation is different.

Take me, for instance. I’m still young. In good health. And I’ve got a 14-year-old son. The accessibility and cost of long-term medical care isn’t my top, personal priority when I consider overseas destinations for my own family.

Right now I’m more concerned about where, in what language, and how well my little guy will be educated. Plus I want to be near an airport since I travel all the time.

But that might not be what keeps you up at night.

Maybe you’re more worried about how close by, how sophisticated, and how affordable a doctor’s care is.

• I can tell you about one place I like where many doctors are U.S.-trained. prescriptions typically cost 50% what they do in the States. an overnight stay in a private hospital room will run you less than $40. and you can have your teeth cleaned for less than $30. Full-coverage medical insurance? About $120 a year.

Or maybe what you really dream about is being able to walk barefoot every day on the soft sand of a palm-lined beach. yet you still want to be an easy hop from home so you can get back for your grandchildren’s birthdays.

• In one of my favorite Caribbean islands, the beaches are every bit as white and soft as those of the U.S. Virgin Islands or the Bahamas. But properties are a fraction the price. $89,000 will buy you a one-bedroom apartment with a vast veranda in an exclusive complex lush with flowers, close to the beach. And from here you can fly direct to the States on discount carriers like Spirit Air and Jet Blue.

Perhaps you’d prefer a place where there’s spring-like weather year-round, a small and friendly community, and ample opportunity for you to put your life experience and your interests to good use locally.

• In one place I can think of that fits that bill. the weather is cool so you need no air conditioning. The land is lush with orchids. The hills rise to forests where clear rivers run and waterfalls tumble. And here you could buy a lot and build a tidy house for less than $150,000.

Not Your Parents’ Retirement

This word retirement has nothing to do with checking out or taking it easy. Unless you want it to.

In the places I’d like to introduce you to, sure, you could improve your golf swing or join a bridge club. you could spend your days lazing in a hammock beneath the banyan trees. And no one would think any less of you.

But if you’re not ready to take up a position on the sidelines of life, don’t worry. That’s not what I’m suggesting.

The ideas of retirement I’m talking about work for the 30-year-old as well as anyone twice that age. or older. That’s because it is easier today than ever before to live, travel, invest, and retire as best suits your personal agenda.

The world is alive with opportunities for fun and for profit, no matter what your age. I’d like to steer you to the ones that make the most sense for you.

The good news is:

There’s a good-value community for everyone.

It’s just a matter of finding the right fit.

Your good-value escape exists. With the Overseas Retirement Letter I’ll help you find it. Quickly and easily. It’ll save you time, trouble, and money, too.

Here, amidst colonial splendor,

you could live like a king on

as little as $694 a month

(Just think about it: If you decided to traipse to every destination that could possibly make sense for you, you’d spend thousands of dollars a month in travel expenses alone. You’d be at it for years. And there’s no telling if you’d get the straight story, either.)

With the Overseas Retirement Letter I and my seasoned team of experts and expats will do all the important legwork for you.

Every month, you’ll get an honest and comprehensive assessment about a place worth retiring to today (or maybe investing in now and living in ten years from now) — including both the pros and cons.

You’ll get proven recommendations for everything from health insurance to mortgages to keeping in touch from afar.

And timely ideas about ways you can protect and grow your nest egg overseas.

Including real-world stories from folks who have found their own perfect haven. and retired in style on a budget overseas

I’ll also bring you stories in the Overseas Retirement Letter directly from folks who have already done what you’re thinking about doing.

People who have traded an uncertain quality of life at home for a new, more affordable adventure overseas.

People like Jay and Kathy Snyder, for instance. For 40 years, they owned a successful inn in rural Vermont, a sprawling, red, 1810 farmhouse with 18 guest rooms.

They were ready to retire. But not to sit and do nothing. They wanted to work less. Enjoy more.

Only they could see — even with the sale of the inn — that they wouldn’t be able to sustain the comfortable lifestyle they’d always envisioned for themselves in retirement.

They weren’t looking for jet-set extravagance. But they did want the freedom to travel, to eat out, to relax, to not worry about health-care expenses bankrupting them.

So they began to look beyond our borders. to places where they could retire rich on a middle-class budget.

They landed in Granada, Nicaragua. a vibrant, colonial-era town with cobbled streets and colorful homes. (Not unlike those now well-discovered havens of San Miguel de Allende in Mexico or Antigua in Guatemala.)

Now, here’s where their story gets interesting. They could have simply bought a colonial-era villa and renovated it, just as other retirees from the States, Canada, Spain, France, and elsewhere have done.

Verdant and cool, the highlands

of this retirement haven have

become a hub for foreign retirees

But instead, they bought an empty lot in the center of town and on it built a beautiful community of nine condominiums that fit in perfectly with the surroundings.

They’re selling them to other overseas retirees who, like them, are looking for a better lifestyle in a welcoming, good-value destination.

In essence, Jay and Kathy are building their own mini-community of like-minded folks ready to trade recession-era skimping for the affordable comforts they can enjoy overseas.

Already they’ve recouped their investment — even though they have a handful of units still to sell. (Those will produce pure profit.) And today they divide their time as they like between the States and Nicaragua.

Immediate Info. No Bull

. just a thank you for the immediate info without all the bull.

— Tom F. United States

When they’re at their place in Granada, they have their choice of excellent restaurants — Spanish, German, and Italian among them — where the two can eat dinner, including wine and dessert, for $20 or less. See a first-run movie for $3. They can take care of their annual physicals with an American-trained doctor for just $30 or have their teeth cleaned for just $17.

When I asked Jay about whether they’d do it all over again, he told me: It’s been one of the most satisfying experiences of my life. He said. I don’t have a solution to the problems facing Americans right now. It’s too frustrating to contemplate. I do feel, though, I’ve found an alternative that works for me and that could work for many, many others, as well.

It’s tempting to continue living the way you’ve been living. It’s easy. and it can be very frightening to think about creating a whole new life for yourself in a foreign place.

But that fear can keep us from acting on chances for fun, for adventure, and for possible profit.

All I can tell you now is that I’m thrilled. it has been one of the most satisfying experiences of my life.

Nearly half a million people already receive their Social Security checks abroad. Now you can benefit from the secrets they’ve learned.

I include stories like Jay and Kathy’s in the Overseas Retirement Letter for two reasons:

1) It’s important to remember that real people like you — school teachers, dentists, accountants, attorneys, consultants, office managers, doctors, sales reps, small business owners — are already doing what you’re thinking about. And doing it successfully.

Because I promise you: You’ll have family and friends who think you’ve lost your marbles. I know mine did!

It’s not too late to live your

California dreams. Living in this

Pacific coast haven is like having

another chance.

But the truth is: nearly 500,000 people already receive their Social Security checks at an address abroad. And the real numbers of people living well and enjoying life overseas — at least part of the year — has been figured to be over 5 million.

So I like stories like Jay and Kathy’s because they can open your eyes to possibilities you might never have even thought about before.

And the world is full of inspiring, life-improving, money-saving, and money-making possibilities. In the Overseas Retirement Letter . I’ll bring them to you.

2) Plus there’s nothing more welcome when you’re starting out in a new place than a little been there, done that advice. And that’s exactly what the Overseas Retirement Letter delivers each month.

It plugs you in to my vast network of contacts — both the experts and the regular folks — in the best-value destinations all over the world.

So you’ll have somebody you can email with a question. a contact who can spare you all kinds of frustration, wasted time, and unnecessary expense.

In fact, that kind of on-the-ground intelligence is so invaluable, that I’ve created an entire volume to tell you the most important things you need to know before, during, and after a move.