International Living - Best Places for 2012

The New Year has begun and all of the lists for the best places to live and retire are being updated as I write this post.

With all the Doom and Gloom on CNN one might think the whole world is falling apart but that's the image the media want to continually beat into our brains - it's not reality. While politicians harp on the "post American World' and how even mentioning the phrase is somehow considered unpatriotic, the reality is we are moving into the Post American Era and that's not because the U.S. is some how worse than it is because the rest of the world is finally catching up. And that's a good thing! The Post American World is not about America falling but about the rise of everyone else. Just look around the world - new, modern cities are being built and old ones completely remodeled to American standards. Capital is being invested into adding more entertainment facilities, into improving small towns, into expanding airports, and into making comfortable living that much easier for those who desire to pursue a life abroad. The biggest news that 2012 is bringing to such individuals is that living somewhere far from America is becoming cheaper and easier. More accurately stated, the best places are going out of their way to make life in their area more affordable and more comfortable. Take Panama and their Pensionado Program whereby ex-pats can retire to Panama and enjoy an extensive list of retiree benefits the same as if they were born there.

Buenos Aires, the Paris of South America

In 2012 one place that sets the bar for living internationally is Buenos Aires, "the Paris of South America". The people are friendly, the weather is beautiful and the city is humming - constantly alive with culture, music and entertainment. For those looking to continue life immersed in the hustle and bustle of the world, Buenos Aires is definitely a great place to consider when thinking of moving abroad. The living in this city, as in any other, is pricey as compared to surrounding small towns. However, if one can survive in Boston, New York or Los Angeles then Buenos Aires will be no trouble at all.

Hong Kong - Where East is Become West

Another city on top of the list of most desired places to live abroad in 2012 is Hong Kong. Yes, the culture is dramatically different from that of Western Europe, but almost every there now speaks English and there is a dramatic move towards Westernization throughout Asia. The city is extremely safe for its size, there is constantly something to do and some place to go. Eastern Asia is always a quick flight or boat trip away for exploration.

The Most Affordable Places to Live in Europe

Austria has continually been ranked as one of the best places to set up a new home. This may be because of its clean environment, peaceful living, beautiful nature, and intriguing history and culture. Specifically the capitol city of Austria, Vienna, has been listed as one of the most affordable places to live in Europe with the highest quality of living of any city in the surrounding areas.

Down-Under for the Healthiest Lifestyle

As for as standard of living goes, New Zealand has continually beat out a large number of competitors on the "best place for living abroad" lists. The affordable living and some of the healthiest food supplies of any country on the planet, New Zealand continues to be an inspiration for all other places. Not to mention the record low crime, great school systems and beautiful country side, all of which make the island one of the most desired places to live in the entire world.

Still The Best Place to Retire

For those looking for best places to retire, a look at Panama is certainly warranted. Panama remains one of the most affordable and laid back places to live in retirement, thanks in no small part to the Pensionado Program mentioned above. The area has been deemed the winner of International Living magazine's Annual Global Retirement Index for six years in a row. And this is just one of the many accredited organizations that have listed Panama as the top place to retire. Editors note - be sure to see the post below for a great free video about this year's hottest Top Retirement Destinations.

So, if you're tired of Doom and Gloom - tired of cynical politicians who are concerned with nothing but their own power maybe it's time you considered a new Life Overseas - maybe 2012 is your time for International Living.

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Two Of The World's Cheapest Places To Retire Overseas

This New Year we will be investing some time and space in for direct comparisons of the world's top retirement and living locations to help you determine your best options for living a comfortable lifestyle.

Today our Guest author will compare and contrast two of the hottest - cheapest and best places to live right now!

Kathleen writes --

I got an e mail from Correspondent Lee Harrison, who offered to compare two of his favorite cities, from our 2012 list of world's best and cheapest retirement hot spots: Cuenca, Ecuador, and Granada, Nicaragua.

Lee is a big fan of both cities and highly recommends both but, for different reasons.

Here's what Lee has to say -

"Comparing different retirement or investment destinations head to head is not only necessary, but fun and interesting. It's the key to narrowing down your preferences among all of the world's choices for the best place to live. Both seasoned overseas buyers and novices will benefit from this exercise.

When I looked over our recently published top picks for 2012, two cities jumped out at me immediately from the Super Cheap category: Cuenca, Ecuador, and Granada, Nicaragua.

I lived in Cuenca for years, own property in Granada, and have been to both of these cities in the past year. Throughout my visits to each, I couldn't help but draw comparisons. These cities line up naturally with one another, so, when comparing them, it's easiest to begin by looking at their similarities.

Both Cuenca and Granada are beautiful and authentic Spanish colonial cities, founded in the 1500s. In both cases the cost of living is about as low as you'll find anywhere. You can get by frugally on less than US$1,000 per month or live a comfortable lifestyle by North American standards for around US$1,500 a month or so.

Real estate in both cities is well under the magic US$1,000 per sq meter (around $93 US per sq ft), putting both these cities in 'bargain basement' territory. Transaction costs in both are low, as well.

Both cities are in Third World countries, with all of the attendant institutional inefficiencies, corruption, and less than perfect infrastructure maintenance. But they also have low levels of government intrusion, low taxes, and few rules and regulations.

Both Cuenca and Granada are home to sizeable, thriving expat communities with many North Americans. There are far more expats in Cuenca than in smaller Granada, but I'd guess that the ratio of expats to locals is about the same in both places.

Access to the United States is not bad from either city. Cuenca has a convenient international airport right in town, but virtually all flights to the United States connect through Quito or Guayaquil. Both these cities offer good connections to U.S. hubs, and flight time to Miami is just under four hours.

Granada is served by the Managua airport, about one hour away, which also has good U.S. connections. Flight time from Managua to Miami is about two hours.

Finally, residency is easy to establish in both countries, with low income and investment requirements.

But that's where the similarities end.









Cuenca is a large city of more than 400,000 people; more than four times the size of Granada. So Cuenca has the edge for big-city amenities, like theater, nightlife, and restaurants. It also has a new, upscale shopping mall and lots of modern health care facilities.

Granada, by comparison, has more of a small-town, close-knit feel, where everyone seems to know everyone.

Cuenca is located high in the Andes, at 8,200 feet above sea level (2,500 meters). So it offers spring-like weather, with highs rarely above the mid-70s and little seasonal variation. In five years of living in Cuenca, I can recall seeing 90° only once...and that spike broke a long-standing record. Granada, on the other hand, is warm all the time, with highs in the 80s to low 90s year-round.

Granada is on the shores of one of the world's largest lakes, meaning swimming and boating opportunities close at hand. You can even purchase your own private lake island. Nicaragua's Pacific beaches are less than two hours away.

In Cuenca, the nearest beaches are almost three hours away, in Machala, and the nearest nice beach is over four hours away in Playas or Salinas.

Shopping for real estate is a pleasure in both Cuenca and Granada, with lots of terrific homes available at reasonable prices. However, in my experience, each has its strengths when it comes to real estate.

Granada is best for its amazing inventory of low-cost Spanish colonial homes. Their center courtyards are typically open-air and often contain swimming pools, something very unusual in Latin America. Also, the colonials in Granada tend to be fairly small, so they're great for one or two people, or a small family. To me, there's no better place to shop for this type of property.

Cuenca has colonials, too, but they tend to be larger and expensive. Many are old homes for large families, 700 square meters or more...a lot for a retired single or couple to take on. On the other hand, Cuenca excels with its newer construction, offering a huge selection of modern condos at reasonable prices. So you can enjoy the Old World character of the historic center but live in a modern house or condo in First World comfort as near as a few blocks away.

Comparing Cuenca and Granada, there's really no winner, as is the case with many city-pairs. The key is to understand your own priorities.

I'd favor Granada to enjoy a traditional Spanish colonial home, in a smaller town with warm weather. I'd head to Cuenca for big-city amenities, cool, spring-like weather, and hundreds of modern housing choices.

Either way, you're enjoying one of the finest colonial cities that Spanish America has to offer."

Kathleen Peddicord, editor Live and Invest Overseas

The World's Most Affordable Places To Retire

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The Best State to Retire in the Northeast

With amazing natural beauty and plenty of recreational opportunities, Maine is among the best places to retire in the United States. A relatively low cost of living, several senior tax breaks and many 55 and over communities makes this a popular retirement destination for the financially conscious retiree. When compared to popular retirement states like California and Florida, Maine is a different breed. The winters here are sometimes harsh with frequent snowstorms and occasional blizzards. Big cities are few and far between, and much of Maine is incredibly rural. However, for the outdoor enthusiast, Maine is a northeastern paradise. Hunting and fishing opportunities abound, making this one of the best states to retire in for the hardy and hale retiree.

Best City to Retire in Main

Maine’s largest city, Portland, is an amazing place to retire. Although small by west coast standards, Portland’s population is approximately 62,000 and growing at a rate of nearly 1.5% per year. Housing an incredible Arts District, Portland is also home to several other named neighborhoods, each with their own culture and entertainment. In 2009, Forbes rated Portland #1 on its list of “America‘s Most Livable Cities” and Bon Apatite Magazine called it “America’s Foodiest Small Town”. Portland is home to several food festivals which pay homage to food and drink from many different cultures. The city also has the largest shopping mall in Maine, as well as the largest hospital. A 30-mile network of biking and walking trails was recently renovated within the city, making it a great place for exercise enthusiasts. A relaxed city atmosphere, plenty to see and do and an active network of seniors with a variety of interests make Portland one of the best cities to retire in Main.

Cheapest Place to Retire in Main

Bangor Maine takes the top honors when considering the financial ramifications of Maine retirement. The small city of 32,000 offers a lot for retirees. With 33% of the population aged 55 or older, Bangor caters to the retirement community. An average three bedroom house costs $165,000, nearly $15,000 less than the national average. With a rich arts community, Bangor is home to several annual art festivals including the American Folk Festival. There are nearly thirty parks within the Bangor city limits, and Arcadia National Park is only a 90-minute drive away. Groceries are 3% lower than the national average and gasoline averages $3.65 per gallon. Healthcare costs are in line with national expenditures. With so much to see and do, it would be easy to mistake Bangor for a larger city; however, the entire area has a small-town feel. Bangor is also close to the beautiful Atlantic coast, allowing for day trips filled with beach combing.

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The state of Maine is a great retirement destination for those who wish to get away from the daily trappings of big city life. Arguably the northeast’s best place to retire, Maine has something for everyone. For those looking for relaxation and beauty, Maine is the best place to live.

The Best State to Retire in the Northwest

Retirement is a time of simplicity, an escape from the rat race of the nine to five world. Finding the best places to retire in the United States is a matter of choosing a location best suited to personal interests and financial considerations. Some of the best states to retire in can be found in the northwest. With a mild climate, plenty of recreational opportunities and several big cities, this region is perfectly suited for any retiree. Our pick for the top spot when it comes to the best place for retirement in the Northwest is Oregon.

Best City to Retire in Oregon

With a small-town feel and plenty of entertainment, Ashland is one of the best cities to retire in Oregon. Home to the world famous Oregon Shakespeare Festival, this city offers plenty of arts and cultural activities, as well as some of the best fine dining restaurants in the state. Ashland is also home to Southern Oregon University and the Osher Learning Institute, a place where retirees can take as many classes as they wish for $100 a semester. In addition, Ashland has many active senior groups who take an interest in everything from politics to art. Although small, with a population of only 20,000, many compare the culture of Ashland to that of San Francisco. Homes here are large and the median home price is just under $300,000. Median family income is upwards of $63,000 a year. Located in the beautiful Rogue Valley, Ashland enjoys very warm summers and beautiful fall colors.

Cheapest Place to Retire in Oregon

Salem is the state capital and Oregon’s second biggest city. Sixty miles from Portland, Salem is clean, safe and inexpensive. With a median home price of $179,000, an average property tax bill of $2400 and a median family income of $58,496, Salem is one of the cheapest places to retire in Oregon. Situated in a lush agricultural area, Salem is home to several farmer’s markets and places a great emphasis on fresh and healthy ingredients. This is reflected in the menus of the city’s many fabulous restaurants. Outdoor recreation includes many opportunities for golfing, biking and hiking. Salem is also home to the Oregon State Fair, and the beautiful Oregon coast is only a 90 minute drive away. Inexpensive and great for seniors, Salem is a wonderful place to experience a relaxing retirement.

The northwest is filled with small towns, big cities and everything in between. Deciding on the best place to retire is a highly personal choice. Those who want peace and quiet in their golden years would do well to stay away from the big cities, while those looking for entertainment and stimulation would be bored to tears in a small town. Finding the best place to live after retirement can be a time consuming process, but the hard work will pay off in the end.

Best State to Retire in the Central US

When considering a retirement destination in the US, Texas may not be on the top of everyone’s list. Surely, Florida and California get the most press. However, Texas is an incredible place to spend the golden years of retirement. With a huge land area, plenty of big cities, small towns and an honest, “down home” feel, Texas is now considered one of the best places to retire in the United States. From the hustle and bustle of San Antonio and Dallas to the peace and quiet of a Texas cattle ranch, there is truly something for everyone here, making Texas one of the best states to retire in.

The Best City to Retire in Texas

Austin, Texas is one of the best cities to retire in Texas. With a population of nearly three quarters of a million people, one-seventh of which are 55 or older, Austin is located in central Texas. With sunshine 60% of the year, average temperature in the summer is 95 degrees, while winter lows range in the mid-50’s. Austin has a thriving music scene, and is known as the “Live Music Capital of the World”. Median income for those 55 and older exceeds $54,000 a year and the median home price is $222,000, although foreclosures in the city can be bought for much less. Austin is home to a thriving visual and performing arts scene. With three man made lakes inside the city limits and many more in the surrounding areas, fishing and water sports are also extremely popular in the area. The Texas hill country to the west of Austin offers even more outdoor recreation. Great for those who desire an urban environment with a rural feel, Austin is a first-class retirement destination.

Introducing Austin Texas

Cheapest Place to Retire in Texas

Lubbock or leave it, Lubbock is the cheapest place to retire in Texas. This northwestern Texas city of 230,000 people has a semi-arid climate with hot summer days, cool summer night and snow in the winter. Median family income here is approximately $42,000 and a typical three bedroom family home can be had for little more than twice that. The housing market in Lubbock is 20% less than the national average, while the total cost of living here is a full 11% below national expenditures. Everything here is cheaper, even utilities, which are 25% below average. Lubbock is the birthplace of musical legend Buddy Holly, Mac Davis and Natalie Maines, and the home of the National Cowboy Symposium. Old west culture is strong here, and the city pays tribute to it with many festivals and expositions. Financial considerations aside, Lubbock is a great place to call home.

When choosing the best place to retire, Texas may not be on your radar. However, with both rural and urban areas, an extremely low cost of living and tons of culture and entertainment, Texas should be high on your list of possible retirement destination candidates. Texas may well be the best place to live or retire in the central United States.

Best State to Retire in the Southeast

When discussing the best places to retire in the United States, Florida is generally the first state that comes to mind. With its great climate, senior tax breaks and low cost of living, Florida is an immensely popular retirement destination. Florida has no state income tax, making it a great place for those on a pension to retire. The high concentration of senior communities coupled with amazing opportunities for entertainment and recreation make Florida one of the best states to retire in the country.

Best City to Retire in Florida

Port Charlotte, Florida was voted CNN Money’s “Best Place to Retire”. The relatively small community of 48,000 boasts an astounding 44% concentration of 55 and older citizens. Average price for a three bedroom, two bath house is under $170,000 and home prices are down nearly 63% in the past five years. Forty percent of Port Charlotte homes are situated on the water, making this an amazing place for those who seek a home with a view. Medical facilities in Port Charlotte are second to none, with a concentration of specialists that would be at home in a city ten times this size. Known for its bird watching, Port Charlotte’s Harbor Preserve State Park is home to hundreds of species of feathered friends, as well as kayaking and hiking. Average low in the winter is 52 degrees and summers are long and warm with temperatures rarely reaching 100. Median family income is $38,406, more than adequate given the retirement tax breaks and lack of state income tax. Port Charlotte, filled with natural beauty and manmade convenience, is one of the best cities to retire in Florida.

The Cheapest Place to Retire in Florida

Bartow, Florida, 40 miles east of Tampa, is one of the cheapest places to retire in the state. As of mid-2009, the median home price stood at just over $100,000, a bargain in any market. Median income for a family is $38,568 a year and about 35% of the population is 55 or older. With just over 17,000 residents, Bartow is a mid-sized town surrounded by big cities. The area prides itself on its distinctive small town feel. The annual 4th of July celebration is a matter of great importance, as is the Cricket Club Halloween Parade and Carnival, a tradition in Bartow since 1942. Less than an hour’s drive from the big city of Tampa, Bartow is content to remain small. Overall, Bartow falls 4% below the national cost of living index. Polk County, in which Bartow resides, has over 550 lakes, making for amazing outdoor recreational activities. For inexpensive living and a great small town environment, Bartow, Florida is a wonderful retirement destination.

Florida is the quintessential retirement location. Its sunny, warm weather, inexpensive cost of living and beautiful panhandle setting make Florida the best place to retire. While everyone is responsible for choosing their own Best Place to Live, Florida has a long and storied candidacy. Its popularity and history only serve to further nominate Florida for the honor.

Best State to Retire in the Southwest

California is a land of sea, surf and sun. Second only to Florida in retirement destinations, California has literally hundreds of retirement communities and 55 and older housing developments. From the rural areas of northern California to the popular southern California beach districts, the entire state caters to retirees, making it one of the best places to retire in the United States. A word of caution about California: it is not a cheap place to live. The state is filled with luxury, and this luxury comes at a premium. However, with a bit of research, good financial planning and a willingness to downsize, even this paradise of extravagance can be affordable, making it one of the best states to retire in the country.

The Best City to Retire in California

Nearly half of the population of Palm Springs California is 55 or older, making it an ideal place to retire. At the peak of the housing boom, median home price stood at nearly half a million dollars, but with the decline of the market, a three bedroom, two bath home can now be had for $250,000. Number two on CNN Money’s “Best Places to Retire”, Palm Springs is approximately 100 miles east of Los Angeles and has a total population of 45,000. Its main forms of recreation include horseback riding, golf, tennis and hiking. Median family income is upwards of $43,000.Home to the Palm Springs International Film Festival, Palm Springs also hosts the Palm Springs Follies, in which all performers are over the age of 55. Five-star restaurants, spas and boutiques cater to the very wealthy. Palm Springs is one of the best cities to retire in California for those who desire pampering and relaxation.

The Cheapest Place to Retire in California

As we mentioned before, California is not known as a “cheap” place to live. Popularity often comes with a hefty price tag. However, deals can be found. Lancaster, California, located 70 miles north of Los Angeles, is one of the cheapest places to live in the state. With an overall cost of living index only 4% above the national average, Lancaster is a steal indeed when compared to L.A., which is 38% above average, or San Diego, which is 33% above average. Median family income exceeds $48,000 and the median house price is a relatively low $133,000. Lancaster is home to the California Poppy Festival and is known as a dog-loving community, featuring an annual “Bark at the Park” event for dogs and their humans each October. Close enough to the culture and entertainment of Los Angeles, yet far enough away to avoid paying the high prices of the city, Lancaster is a quiet place, ideal for the retiree who needs to be close to the action without being in the thick of it.

Although priced higher than some of its competitors, California is still a high-ranking candidate for the honor of Best Place to Retire. With a large senior population and plenty of retirement communities, many people consider California to be the best place to live.

The Best States to Live in the Northwest

The northwest United States is a place of beauty and ethereal mystery. From the rain drenched forests of Washington State to the old-west rodeo towns of Wyoming, visiting the northwest is a bit like entering a different world. Native Americans inhabited this area long before the present day decedents of today's Americans but their culture and influence remains strong. In a country filled with amazing places to call home, the northwest has some of the best states to live in and remains one of the best places to live in the nation. Come along as we journey through this region and learn more about what makes the northwest such a special corner of the the US.

The Best Northwest State to Live in

Washington State is commonly known as one of the best states to live in the northwest. It is a place of almost unnatural beauty, a world where a Sasquatch could (and might!) feel right at home. Washington’s gorgeous forests are teeming with wildlife, making this state a nature lover’s dream. It is no accident that Stephenie Meyer set her wildly popular Twilight series in these forests - the singular beauty and mystery present here lends itself to the thought that anything could live in this place. Washington has a population of nearly six and a half million and a per capita income exceeding $52,000 a year, ranking it tenth in the nation. Starbucks, Costco, Nordstrom and Microsoft call this place home, leading to Washington’s consistent top 10 ranking on the list of “Richest States.” Washington does not have a personal income tax, and its resultant sales tax is one of the lowest in the nation. Washington’s current unemployment rate falls in line with the current national average, but a recent influx of well-paying jobs looks to better than trend in the near future. Washington remains one of the best states to live in this region, if not the entire country. Washington State is also the cheapest state to live in northwest. While bigger cities such as Seattle may not be inexpensive, Washington as a whole falls a full four points below the national cost of living index rate.

Best States to Retire to in the Northwest

Both Oregon and Wyoming rank high on the list of places to retire. Oregon has an abundance of natural beauty as well as outdoor activities which include hunting, fishing and hiking. With an unemployment rate slightly higher than the national average, Oregon may not be the best place to find a job, but it is an excellent place to spend the fabled “Golden Years.” The housing market, while rebounding, still offers houses at rock bottom prices and the entire state has a laid-back feel not found in the hustle and bustle states of the east. Portland and Eugene offer arts, culture and entertainment, while the smaller towns of southern Oregon offer peace and relaxation for retirees. Wyoming, with its stunning vistas and wide open spaces, also provides a wonderful environment for those who desire a quiet place to spend their time.

Honorable Mention: Idaho

An honorable mention in this region must go to Idaho. Home to the Rocky Mountains and Hells Canyon, the deepest natural gorge in the United States, Idaho is small enough to retain its hometown history while still large enough to offer important services and entertainment. Idaho was also a pioneer in the renewable energy movement, which it remains committed to today.






The northwest ranks high among this country’s best places to live. With an improving job market and millions of acres of natural beauty, this is the perfect place to raise a family or begin a new life. The northwest is rich in more ways than one.

The Best Places to Retire

The Best Places for Retirees

People often dream of an exciting life in an exotic, foreign country. The worries of life, however, such as job, family and other responsibilities prevent most people of living that dream. But now that you are no longer tied down to a job, and the kids are grown and out of the house, you can now think seriously about moving to that dream location.

But what about the cost of living the life that you deserve? As baby boomers get older, they flock to all the traditional retirement locations, driving up the prices in the process. A couple of decades ago, Ashville, North Carolina was an affordable city and a popular area for retirement. Since then, the population of Ashville has grown 25%, and the cost of living is higher than the national average. Ashville is not alone. Other retiree-friendly areas have seen a meteoric increase in real estate prices, despite the housing collapse occurring in the rest of the nation. The result is that most of the traditional spots where people once chose to retire are now prohibitively expensive.

In the meantime, savings have shrunk, and retiree income is stagnant. Social Security recipients saw no raise in benefits last year, and they will receive none this year. Treasury bond yields are at a low and certificates of deposit are yielding a mere 0.55 percent. Many people are actually seeing a decrease in their income.

The economic picture looks bleak for those nearing retirement age, but it’s not as terrible as one might think. Most people who can no longer afford Florida or California are finding that they can afford to live an exiting life in an exotic, foreign land. Not only is it cheaper to move to a tropical paradise than it is to move to Florida, you can lead the life that you never thought possible.

The Best Retirement Places in the World

Panama could be the best place in the world to retire. The cost of living is small with rent for an apartment starting at $200, while groceries will cost you about half of what they cost in the United States. There is plenty of fascinating things to do and see in Panama. The people are friendly, and the weather is fantastic. It’s a small country covering about the same area as South Carolina, and Panama has no taxes on foreign income and they offer outstanding programs for retirees.

One of the things that make Panama so popular for retirees is that, except for the spoken language, it’s not much different than the United States. In contrast, Thailand is quite different. It’s an exotic land with a totally different culture than in the US. Industrialization is new to Thailand, and it’s a popular tourist destination. Thailand has a tropical climate and a remarkably low cost of living. In some parts of the country, a single-bedroom apartment will rent for less than $100 per month, and groceries are considerably cheaper than in the United States. As a matter of fact, some people are able to live comfortably on about $500 per month.

When one thinks of a place in South America in which to retire, Argentina usually doesn’t come to mind. This may be a mistake because Argentina is one of the best locations in the world to retire. It has beautiful landscapes, large cities and a rich culture. If you love nature, you can cross the Patagonian Steppe, conquer South America’s highest mountain, take a stroll among thousands of penguins or experience the world’s most stunning waterfalls. The cost of living in Argentina is cheaper than in the United States. An apartment rents for about $300 per month and can be found even cheaper. Groceries are extremely affordable, and basic utilities cost approximately $50 per month.

Top Retirement Cities

Americans love Ajijic, Mexico. This quiet, Mexican Village is nestled between lush green mountains and a crystal clear lake. Ajijic has spring-like weather all year, and since many Americans live there, it has all the amenities that you can get at home. There are dozens of English speaking clubs for retirees to join from the Lake Chapala Society, with its extensive library of English-language books, to the American Legion. Housing is affordable with a one bedroom apartment renting for an average of $220. Groceries cost only half of what they cost in the United States.

The city of Cuenca is found in southern Ecuador and is a favorite for knowledgeable American retirees. Cuenca is at the top of International Living’s list of best places to retire and is Ecuadors third largest city. Located in the Andes, more than 7500 feet above sea level, it has one of Central America’s best climates, and its proximity to the equator ensures that the temperature remains about the same throughout the year.

The best part of Cuenca is the cost. Compared to living in the United States, Ecuador is a bargain. $150 is all it takes to rent a one bedroom apartment, and utilities average $45 per month. $3 will buy a meal in an inexpensive restaurant, while $9 buys a three course dinner for two.

Deadwood, South Dakota is perfect for retirees wanting the raw nature of the Black Hills. The Black Hills have beautiful scenery and breathtaking national parks. You can find Mount Rushmore near the Old West town of Deadwood. This historic town came to the forefront in 1876 when gold was discovered in the Black Hills. Though not as cheap as Mexico or Ecuador, living in Deadwood costs roughly 20 percent less than the national average. Those who wish to retire in Deadwood will not be alone. Almost half the population is over 45 years of age, and 17 percent are over 65.

The Best Places to Live

Choosing a place to retire demands a lot of research and planning. The Internet has a number of resources available to help you find the perfect place. Big-city amenities, such as health care, are important. Most retirement-aged individuals experience increased health care needs, so it’s essential to choose a location with adequate health care facilities.

Moving to an area where prices are significantly lower than where you currently live will give your savings and retirement income a boost. There are a multitude of cheap places to live all over the world. It’s not hard finding places where you can retire for under $1000 per month. If you want to work part-time to supplement your income, or to keep yourself busy, you need to find a place where unemployment is low, and the economy is growing.

Recreation is another relevant consideration. You’ve worked for your entire adult life, and now you deserve some relaxation. If you enjoy golf, having a quality golf course nearby is a definite plus. Others might enjoy having some lakes for fishing or trails to hike. Fans of the arts might choose life near the large city where they have easy access to concerts, opera and the theatre.

The social structure of the place where you want to move is a vital consideration. Atheists may be uncomfortable in the deep rural areas of the US Bible Belt where the whole social structure centers on the church. Many foreign locations have hundreds, or even thousands, of expatriates with their own social structure. Living in an area with pockets of people with similar backgrounds as you can make your new home a more comfortable place to live. Proper research and planning will ensure that you choose the perfect location to spend the best years of your life.

What to Do When You Retire

Life After Retirement

Today our Guest Author Hugo takes a quick look at Life after Retirement and cautions us about not taking it seriously enough. He also shares some ideas around How to Retire, When to Retire and What to do in retirement. Enjoy!


Although you're certainly meant to relax when you retire, you're not exactly designed to just stop and go to sleep. In retirement it's important to realize that you don't want to let relaxation get the better of you. Far too many retirees have been down that road and didn't like the outcome. Sure, after your long years of labour you do need to and deserve to relax. But not at the expensive of your health or your potential. You still have a lot of game left in you and you need to take advantage of your ability to still get around and contribute. It starts by thinking now - putting together your own Personal Retirement Plan. In a nut shell that is how to retire!

What to Do in Retirement

The first thing to dismiss is the worry about getting in poor health. If you focus on that it is sure to happen and yet the simplest way to make sure that doesn't happen is to avoid being inactive in your retirement. It doesn't take long for ailments to settle in simply because you are letting your body stagnate. The key is, 'Use it or lose it!' It's no excuse to think just because you are now in your golden years that you need to slow down. The key is to find a form of activity that you like to do. When you discover activities where the people around you are pleasant and enjoying themselves you'll love every minute of it, guaranteed!

Many people are actually quite afraid of retirement because they believe getting old means becoming redundant. But that couldn't be further from the truth. You can beat those false mindsets and beliefs if you accept that those thoughts can creep in from time to time and to make a plan against them. There are numerous strategies to beat the retirement blues and one of the most simple is to just do something about it. Really, if something is not working get up, mover and do anything else. After all,  anything else is a whole lot better than doing nothing at all.

Here's just one simple way to insure your retirement plan is a memorable one - begin writing about your life. You don't have to have lived a crazy life to know that it has value. The next generation love to read about the past and they love to read about your unique personal history. Another way to make sure you remain vital in retirement is to join a proactive club where you can find something to contribute.

How to Retire

Here are a few final suggestions on making the most of your retirement - I suggest you make a list of different things you enjoy doing now and things you would like to continue to do even after you retire. Keep that list close at hand and be sure to review it from time to time. If you discover there arre things on your list that you have stopped doing or haven't done in a while be sure to make those a priority and fit them back into your retirement lifestyle. My final suggestion is to take some time and make a project out of researching the Best Places to Retire and places you want to visit while you are still active and mobile.  Even if you never get to the Best Places to Visit in the World just the act of learning about them will be a rich reward in itself.

Editors Note: Be sure to check out this Special Report of 44 Things you Must Know before you Relocate, Retire or Invest Offshore -

Best Places to Retire - Belize Facts

International Living recently posed this question...

is Belize the easiest place to retire?

Well, according to the current issue of International Living magazine, Belize is: English speaking; has a very low cost of living, and on top of that it has no taxes! Oh and did I mention it's in the Caribbean?

In fact Belize is most likely the last place where you can still get find truly affordable Caribbean real estate.

Belize Facts:

Belize is a politically stable Central American country that is quite small and close by. Thats just one fact that makes it easy to consider as part of your retirement investment plan - whether you are interested in escaping winter for a few months each year or wanting a full time retirement get-away.  Where is Belize? Why it's just down the Caribbean Coast south of Mexico and west of  Guatemala.

It’s really very easy to enjoy yourself what with miles of tropical beaches; the second longest barrier reef on the planet; what many consider to be the best diving and snorkeling on earth; lush rain-forests; beautiful mountain retreats; natural preserves; vast rivers; above ground and underwater cave systems, and a plethora of Mayan archeological sites - yes, there's no shortage of things to do in Belize!

The fact that it's one of the most affordable retirement destinations only adds to the benefits.

Belize Real Estate For Sale

How affordable you ask? On Ambergris Caye, one of the numerous islands of Belize, a two bedroom, one bath, 900 sq ft house with air conditioning and close to the main village of San Pedro is for sale at just $135,000. Go 1 1/2 miles south to the village at Royal Palm Villas and you'll discover one bedroom oceanside condos for sale listed at just $149,000. These are new, modern condos with additional features like 24 hour security, a swimming pool, and air-conditioning.

Now if you're new to the whle idea of investing in Caribbean Real Estate or the idea of a Central American Retirement you might be wondering how those prices compare to other Caribbean hot spots like Bermuda where you will pay in excess of $800,000 for an average condo or St. John in the US Virgin Islands where you need to cough up $600,000 for something similar.

Yes, Belize is truly a Caribbean paradise. It was formerly known as "British Honduras" this the English speaking population. And it offers numerous important bonuses for anyone wanting an easy way to retire abroad in 2011.

Your Belize Retirement Calculator

Take a few moments to add up all of these benefits when to choose to retire in Belize and be convinced this truly is the easiest and best place to retire.

1. As we've already mentioned first and foremost English is the national language. That means living in Belize as an American you will benefit from being able to speak with neighbours, store keepers, realestate agents, drivers, bankers, waiters, well everyone really, in a common language you already understand. And most importantly, when it comes to legal papers, any contract you negotiate, whether its to rent or purchase a home, is written in English too. That translates into one more way to simplify your move and your life.
2. Next on our list is currency. The Belize dollar is pegged to the U.S. dollar at a constant 2 to 1 plus U.S. currency is commonly and readily accepted in Belize. For you that translates into easy currency conversions - no need for any advanced retirement calculator here!
3. Taxes - the tax situation in Belize is another easy thing to manage. With No taxes on foreign earned income; No capital gains taxes; No corporate taxes; No inheritance taxes - it couldn't be any simpler.
4. The population of Belize is just over 300,000 people. And we're not talking about the population of their largest city no,   that's the population of the entire country! Belize is just 180 miles long and about 68 miles wide. That translates into one easy retirement lifestyle - easy to find the people, businesses, services and any other resources you may need to get things done.
5. The Retire Belize Program - not only do they have one of the best Retirement Programs in the Caribbean you don't even need to be retired to sign up for the benefits. Modelled after Panama's famous Pensionado Program, you need to be 45 years or older and prove you have a minimum monthly income of $2,000. That can be from a pension or an annuity, including Social Security. As an added benefit the program allows you to bring all your personal goods into Belize tax free.

Ready to Escape to Belize? Click here to learn more about the possibilities.

Retire Abroad in 2011!

Are you ready to Retire Abroad in 2011?

Deciding to retire abroad is an idea that many people are embracing for one of two reasons: it's because they're disillusioned with their home country for religious, social, political or economic reasons or they simply want to experience more of our world while they have the physical and financial resources to do so.

If you are seriously thinking of venturing out and finding a new home abroad in retirement there are a few key considerations you want to mull over prior to making that big commitment and moving overseas.

You don’t overlook any part of your plan that would be critical to your success as an expat. Think of this as your checklist to a new and wonderful life abroad in retirement!

Key Considerations for Retiring Abroad

Why Relocate in Retirement?

If you’re a foot loose and fancy free single that's one thinking but if you're married or in a committed relationship that's another. It's important to search your heart and your mind for the reasons you really want to move. If you are in a relationship make sure you do this individually without edit from your other half. Then compare notes and look for common reasons - hint - there better be a majority of them or you may be headed for trouble.  Whether you’re in a relationship or not you need to make certain you rationale for making the big move makes sense and that you have not only mutual harmony but individual harmony in your decision.

Now it's OK to have different motivators and reasons for moving abroad but again you want to look for compatibility and commitment. The goal is to make the move whereby everyone gets what they want and need.

Another reason to be very clear clear on your 'why' is so that you can find the right 'where'. If you don't know exactly what you want how will you know you've found it?

Change can be stressful - actually it's always stressful! Especially when you have spent some many years accustomed to your own culture and even the simplest things. When you move abroad our world will be turned upside down. At first it will seem fun and exciting but after the initial adrenalin rush wears off you  are sure to experience some trying times.  This is where your list comes in really handy. You can pull it out and remind yourself of all the reasons you wanted to leave your old home and all of the positives you are gaining from being in your new one.

Where are you going?

Quite often future expat retirees have a place in mind for their new life. It could be a place they have already been on vacation and have fantasized about ever since. Perhaps its somewhere that they already have some property maybe even a vacation home.  Or it may be a place they have never been before. It's very common for subscribers of the well known International Living Magazine to spend years reading and dreaming about a place they really want to call home.

In any of these examples it's easy to get tunnel vision. To get so focused and obsessed with just one idea or spot that you negate the possibility of living elsewhere.

This is a good time to pause and pull out your list and take the time to consider if this is truly the right choice for you. Here are a few things to think about -

• Weather - is 'better weather' a big factor for you? If the answer is yes, than think about this - What to you means ‘better’? Define it. Get a handle on it by looking at it from all angles. For many who are simply fed up with cold winter months its easy to swing the pendulum too far in the opposite direction. I mentioned in previous posts that I lived in the Republic of Panama - what many consider to be the best place to retire. Numerous times I met people who had chosen the dream of living beach side only to find themselves fed up with sand, endless air conditioning or showers three times a day. Their beachside dream melted into a pile of sweat! 
• Location-Transportation-Accessibility - sure I realize your goal may be to ‘escape the rat race’ and have the quiet enjoyment of living abroad but the reality is you will likely need and want to  return home for visits occasionally or maybe even often. There aren't very many retirees who move abroad without leaving friends and family behind. They will likely want to visit you and in many cases you will find you are more often visting them. If you have children and grandchildren they lead busy lives and are typically tied to work and other obligations. That means Grandma and Grandpa are going to have to come home if they want to see their next generation.  If you’ve settled in 'the middle of nowhere' not only will it be difficult to get out or for people to visit you it may be quite expensive too!
• Safety & Security - in North America and many other well developed western countries we have a well thought out rule of law but more than hat we have a well enforced rule of law. In many parts if the world where living is cheap you will still find rule of law but the financial resources fall far behind when it come to enforcement.  It doesn't mean the best places to retire can't also be safe but it does mean you need to be aware and do your homework first. 
• Quality of Life - if you've spent 50 or 60 years living in a modern developed nation like Canada or te United States than you probably take many things for granted like: infrastructure, health care, shopping, entertainment and cultural activities to name just a few. All of these 'little things' make the difference when we talk about Quality of Life and Standard of Living.  What things will have an impact on your quality of living?  You may think the idea of learning another language is romantic but after six months of struggling with a simple restaurant order you may find the stress can grow to be overwhelming. Or how about something as vital and important as electricity? When was the last time your power went out and what would it be like with this was a monthly, weekly even daily occurrence?
• Cost of Living - Many Americans may have thought they would retire in the U.S.A. but times they are a changin'. Now more than ever the cost of living is causing Americans to take pause and consider a cheaper life abroad.  But in years past the U.S. dollar was so strong it many a higher standard of living was almost assured.  Exchange rate fluctuations and the declining power of the U.S. dollar is changing the landscape. Even simple trips to Canada are no longer the bargain they once were with the dollar now valued at just 93 cents Canadian and falling.  Countries like Panama can be very attractie for Americans because they have adopted the U.S. dollar as their national currency. These factors can and will affect how much money you need to live comfortably. If you are moving abroad for retirement you likely have to live on a fixed income – the question is where will your money or savings buy you a lifestyle you really want? 
• Fitting In - some countries are easier to fit into than others. If English is your native language than finding an English speaking country, say you retire in Belize for example, that will present less of a challenge to retiring Americans expats than nations where you have to learn another language. It also important to consider more than just language. I chose to live in Boquete Panama which is a Spanish speaking country but there were many English speaking expats who who were making Boquete their new home. This made it easier to 'Fit in' and find a reference group I could identify with.  Sometimes following others is the place where are you more likely to make friends and enjoy life.

In the next few days I'm going to explore the Best Places to retire Abroad in 2011. Watch for that and let me know what you think! Oh and if you're from Canada or know Canada be sure to vote in our poll over there on the side bar for the Best Places to Live in Canada.

Best Places to Live in Florida

Yesterday my brother and I were having that conversion that comes up from time to time - where to live when we get older. I asked, 'Do you think you'll stay in this house forever? Had any thoughts on where you might want to live when you retire?' His response didn't really surprise and it reminded me that the more things change the more they stay the same. He said at first he was worried the kids might be upset if he sold the house but after discovering they really didn't care it got him thinking he might just make a move one day. Where to Live? Florida - he said the idea of living somewhere that the weather is nice would always be important to him but what really attracted him to Florida was the warm gulf waters. Now that makes sense to me and it got me thinking,

Where are the Best Places to Live in Florida?

Here's what I learned - every American knows that Florida is a world famous southeastern state . That infamy comes from a lot of different places - surely world famous Disney World is one but also the unique features of this place have attracted people long before Disney was around. Did you know the Atlantic coastline on the east side of Florida is over 1,200 miles long? Of course like my brother the warm water of the gulf is matched only by the attractiveness of the sunny warm climate. It's called the Sunshine State for a good reason. Oh and did I mention the beautiful beaches? Florida also has a low crime rate, its a great place to be active and sports lovers are drawn to the sate for everything from Golf to Baseball to Fishing. Yes, there's a lot to love about Florida and I'm sure it will remain one of the best states to live in. Now there there are numerous places which could be considered the "best places to live in Florida" but like anywhere it is up to individual tastes and interests. For examples people with kids need family friendly spots where by the retiree may want something completely different. Lets' look at the short list for what most would consider the best.






Tampa and the Tampa Bay Area

Tampa Bay is on the West coast in central Florida . It's known as the largest open water estuary in the states and covers more than 1031 sq kilometers. As a naturally protected harbor Tampa is safe and one of the best places for families to live. The port of Tampa Bay is an important commercial hub while the beaches and downtown area attracts many visitors as it's considered one of the Florida Hot Spots for entertainment and fun. This area offers plenty of lifestyle and community activities with festivals and events held throughout the year. Stores, restaurants, and the longest continuous running sidewalk meanders along the bay, perfect for walking, riding and roller blading. There are numerous condominium complexes that typically have great swimming pools and activity centers making this Florida place one of the best places to live for singles and families alike.




Jacksonville - northeast Florida

Jacksonville is another large and well known Florida city. The metro parts of this city are best for the young hip single crowd including students fresh business people and those who are looking for good business work opportunities. The ultra friendly people of this city really create the atmosphere and make Jacksonville one of the best places to live in Florida. Move out of the downtown and into the burbs and you'll find excellent neighborhoods for young families. Jacksonville is located on the northeast coast of Florida. One interesting fact many people are unaware of is that it is the largest city in relation to total land area in the United States.

Miami - Southern Florida East Coast

Miami is located on the Atlantic ocean - the east coast of southern Florida. Truly a city that is all international, Miami is  known as 'The Gateway to the Americas'. There are numerous corporate headquarters, TV studios, educational institutes - media, music, fashion, film and performing arts abundantly spread all over Miami creating a colorful impact on life and living in this, best in Florida place. Miami is home to a very busy port with cargo and passenger shifts on a continuous move. Miami is a good consideration for younger people, students, singles, multinational executives, art-lovers... well it could be consider one of the best cities to live for just about anyone who is into the hip urban scene.




Fort Lauderdale - Southern Florida East Coast

Over the decades Fort Lauderdale has constructed an elaborate maze of internal canals earning it the nickname - The Venice of America. Although this tropical paradise looks nothing like Venice and there are no signs of the famous Italian gondolas it's true the canal system offers transportation via water taxis and a dock at almost every back door. This famous Florida city is the perennial popular Florida tourist destination. It's known for excellent dining and nigh life at numerous restaurants and clubs. Tourism is the main industry of Ft Lauderdale so those looking to live and work here are best to have education and background in the hotel, hospitality and tourism field. It's also known as a major manufacturing and maintenance port for expensive yachts and of course a major cruise ship port is located here.




Pompano Beach - Southern Florida East Coast

Pompano Beach is another beach city found north of Fort Lauderdale. Broward county is known to include a number of desirable spots to live. including Pompano. Because these beach communities are being redeveloped from mainly tourist to more residential they are considered some of the best places to live in Florida. Once only the bastion of retirees now working singles and families co-habitat these beach communities of Florida. Here people of all walks of life enjoy the ocean scenery and the multitude of active pursuits it brings. Real Estate is still comparatively expensive in Pompano Beach due the publicity surrounding it as one of the country's top vacation home markets.

Tallahassee - Northeast Florida Coast

This is the capital city for the state of Florida. Tallahasse has been an anchor with history and stability since Florida became a popular destination. It's known for having good educational facilities including several universities and colleges. Florida State U; Florida A&M are both world class and world famous. Tallahassee could be considered one of the best places to live in Florida for professionals who are looking for career opportunities in education and research. Florida schools alos have a reputation for low teacher to student ratios - this contributes to a graduate base that  is bright and quickly employable. They also offer affordable education in some of the best facilities in the country.




Panama City Beach - north Florida Coast (The Panhandle)

In the later part of the last decade the student 'Spring Break' scene was pushed out of the Ft. Lauderdale area and soon found a new home in Panama City Beach. Young working adults as well as students enjoy Panama City as it's become a Mecca for socializing. If your looking for fun in the sun and work in the hospitality industry that caters to the young party crowd than Panama City Beach is for you!

Although a number of Florida cities and communities may appear to be geared toward the young it still has some of the Best US Cities for Retirees - namely Sarasota and Ft. Myers - both in the 2011 top ten list of US places to retiree.   For retirees many like to live in places which are a little laid back. Calm and quiet are keywords and most love Florida for just those qualities. Since people first entered the work force the dream retirement spot has always included a warm climate, beautiful beaches, cheap real estate and low taxes - things Florida has and continues to be known for. Those who retire also want to consider health-care options including proximity to quality medical care. Almost any city in Florida offers retired folks all these things plus time and opportunity for intellectual and cultural pursuits.  And for those in the middle - a little old for the party  scene - too young to retire Florida still offers some great places to live for working singles and those who are married. For example, if you're in a business which means you  need to travel internationally metropolitan areas like  Tallahassee, Miami, Ft Lauderdale, Orlando and Tampa also offer excellent transportation hubs. The central location of Florida makes it ideal as gateway to all points North, South, East and West.





Juan Ponce de Leon, the European explorer, was the first to visit Florida way back in 1513. He named this magical place 'Florida'  which means 'feast of flowers'. Since those days millions upon millions of modern day explorers have ventured to Florida on vacation always mindful and always commenting about how the locals are so lucky to have settled in Florida. It's true Florida offers something for everyone - from beautiful white sand Beaches to hopping  bars and night clubs; from world class  universities to natural parks and hiking trails; from golf courses to museums to international corporate offices - yes Florida does in fact have it all!  When it comes to discovering the best place to live in Florida it will certainly vary from person to person but in the end there is sure to be a best place for everyone who wants to call Florida home.

Best Places To Live In CA

Whenever a person goes about finding the best cities CA has to offer, they could quite quickly find that list elusive at best. A couple of years ago a major news network published a list of best places and it included a list of best places to live in California along with a lot of other states. The list of California cities were not all in the top 100 for the nation but it was an interesting list none the less. I have compiled a list from several lists I found online and you might consider using this as a starting place if you were trying to find the best places to retire CA style.

It might be a little easier to find the best places to retire Los Angeles or best places to retire San Diego because the geographic areas are smaller and do not include so many retirement cities to compare. Having lived in CA for a long time, I think I would have a very hard time comparing even the cities that I have lived and worked in over the last 10 years. If I had to so my advice is to take a select few and just compare them and a list online might be a great place to start. Below you will see I have listed a few of the cities that should probably be in yours before you start and then you can go from there.

Here are some great places to begin your research and from that point to narrow even the criteria down. You may find some things in California that you want less or more than you originally thought you did. Of course cost of living CA is going to be a big topic of conversation no matter where you go but you could probably find some feedback on that in a cost of living forum by just doing a simple Google search. But I digress, here is a list of cities that this author thinks should be in your unfiltered list in no particular order:

San Dimas CA

Claremont village CA

Claremont CA

Clayton CA

Walnut creek CA

Martinez CA

San Luis Obispo CA

Pismo beach CA

Rancho Santa Margarita CA

Walnut CA

Atascadero-Paso Robles, CA

Santa Barbara CA

Santa Maria CA

Lompoc, CA

Orange County, CA

San Diego, CA

Vallejo CA

Fairfield CA

Napa, CA

San Francisco, CA

Santa Cruz-Watsonville, CA

Santa Rosa, CA

There are no doubt others that you would add to this list and that is certainly ok. It is presented here as a starting point and should be considered just that. One that you can add to and take away from before the filtering process starts in earnest. Once that filtering process is begun you can begin to look at the cost of living index CA as well as things like the consumer price index CA because before you get a base list of cities to consider why would you want to even start to think about all the other factors that would make a place the cheapest place to live of the best place to retire.

Best Places: Retire in Belize

Retire In Belize - One Of The Cheapest Places to Live In The World!

One of the cheapest places to live in the world is still Belize. Consequently, to retire in Belize is really cheap and by many accounts it is also one of Central America's most beautiful countries too. It can be a retirees (bargain hunters) dream come true if you play your cards right. It has just about everything a retired person seeking a tropical paradise could imagine. To start with, the official language is English and that always makes living in a foreign country easier but beyond that, it offers wildlife as diverse as any country, a tropical climate and of course some really great beaches. If your thing is snorkelling or scuba diving then your little piece of heaven just got better because the ecosystems underwater are some of the best in the world and talk about options... there are 127 islands to explore in the Belize Barrier Reef.

If you really want to live cheap in retirement you might want to check out the Cayo area that is west of Belize City about an hour and at least at the last time we checked it out, you could rent a nice size home there for under $400 a month. The Cayo district has a population of about 40,000 and it covers about 2000 square miles on the western side of Belize. You shouldn’t forget that Belize is more than a beautiful beach. Sixty percent of the Cayo District is either a wildlife sanctuary, a Forest Reserve or a National Park and it offers a wide diversity of activities for a traveller as well as much to see and experience in this land of natural beauty. Of course if you are dead set on the coast you are going to pay a little more but considering you would be an hour away it might be worth living inland so you can enjoy all of Belize, depending on how often you want to dip your toes or your snorkel gear in the blue waters of Belize.

Because Belize is such a lush country and much of their food is grown locally, it can make your grocery bill quite inexpensive as long as you stay away from all those imported things you are so used to

buying. To embrace the local cuisine really is part of the adventure of it all so why not make the effort to try the new foods and save money too.

Here is a little bonus for all you retirees, folks over 45 can be eligible for the Retire Belize program or sometimes called Retired Person's Incentive Program. It can help you live almost tax free if you meet certain qualifications. This

program was initiated as a part of a plan to entice stable retirees to make this their home. We hope you are starting to get the picture about why Belize is one of the cheapest places to live in the world

especially if you are retired and want modern conveniences to be a part of your life style.

Now there has to be at least one negative to living here or everyone would arrive at once but in the big picture it may be minor detractions from abundant positive side of the equation. The deal is it rains a lot from May to October and it is a location that sometimes can be exposed to hurricanes. Many expats just use this as the time they head home since many are from the Northern hemisphere and May to October is summer there so the weather is often more agreeable anyway.

To retire in Belize is well within reach of many and it really can be one of the cheapest places in the world to live if you are careful and do a little planning and don’t become ridged about where you live or

what you eat. Of course let’s not forget the great plan Belize has for those of you over 45 to live tax free.

Cheapest Places to Live - Reboot!

This blog all started when I was living in Panama and discovered I could live 'like a king on a paupers wage'. As I traveled back and forth to Canada and shared my journey I realized how few people knew that there were cheap places to live that offerred them just as much if not more comfort and amenities than they had where they were living then. Thus the name of the blog. But over the years the discussion expanded well beyond Panama and well beyond just the cheapest places to live. We've discussed a lot of different topics - everything from the Best Places to Retire to Great Places to Visit or Vacation. We've talked about Cities, Countries, States, Provinces, Towns and even beaches and restaurants. It's quite exciting just thinking about all the things we've discussed and learned about!

And now, I have a confession to make - I'm needy and I really want people to visit this blog and join the conversation. It is my hope that people reading and participating in this blog go away with less judgement towards other people, other cultures, other lifestyles and adopt a more open mind to the possibilites of living abroad or simply just moving somewhere new in there own country. But my intentions aren't completely altruistic - I want something out of this discussion too. By reading, writing and getting comments about our wonderful and interesting world it helps me plan my next trip and ultimately the next place I will choose to live. I've adopted this motto, 'So many places... so little time!'

I have another confession to make - this one is probably no big surprise - I'm disorganized! It really shows in this blog doesn't it? Part of the blame is this blogger template that we all have to work with. It sucks! I think there is another way to lay things out but I just haven't taken time to figure that out yet. But I do have some ideas and I would like your feedback on just a few improvements that I think will make it easier for you to read and participate.

I'd like to start by organizing my topics and getting things a bit more standardized so it's easier to follow a discussion. I'll start by getting my titles a little tighter and less rambling and more topic focused like,
Cheapest Places to Live: United States - with the colon : separating the main category, in this case 'Cheapest Places' from the place I'm writing about, in this case, the 'United States'.

The other issue is around what categories we want to discuss. I'd really like some feedback here. So far we've got 'Cheapest Places' and other topics like - 'Best Places' - 'Affordable Places ' - 'Expensive Places' etc. And then we've got sub topics like: places to live, to retire, to visit.

I hope I'm nit rambling and that this makes sense. So, now it's your turn. What would you like to discuss? Give me some suggestions for topics and sub topics you would like to discuss about all of the amazing places on this small planet of ours! It doesn't matter if it is the best place to live in California or the worst place to live in the world we can discuss it and we will try to provide some valuable information for you our readers.

Best Place in the World to Retire Young

Wondering where the best place is to retire young? How young you might ask? How about retiring at just 19 years of age?

Nineteen?! You ask, incredulously.

Well it's a god idea to spell it out and clarify that youthful age. And the truth is there actually is a place in the world where you can retire that young. That country is Panama.

Each year, International Living Magazine publishes it's Global Retirement Index. They search the world for the best places to retire, live, work, and invest. And for five years in a row, Panama took 1st place, hands down over all the other countries. It’s no big surprise to us, because because we've lived there and we know of no other country that has such a generous program for attract retirees and pensioners regardless of what country they come from. It's called the Pensionado Program and it's loaded with perks and benefits but something you may not know is that it's possible to qualify for Panama pensionado program at any age of majority. That means a nineteen year old can apply and receive the pensioners visa and all the benefits that go along with it.

You see Panama has a different way of looking at retirement.

When it comes to business and finance Panama has always been an innovative country. When they observed the baby boomers starting to retire and scope out alterative locations to do so they realized that "retirement" was being redefined. That a new generation of retirees had very little in common with the retirees of 50 years ago. That's why in Panama, retirement isn’t based on age, it’s based whether you can afford to retire. Whether you have enough earnings to Retire Young.

If anyone can demonstrate that they have a 'pension' or long term paid benefit that earns them a minimum of $500 per month, they can qualify. The only age caveat is that you are a legal adult - that you have reached 'the age of majority' meaning 19 years old.

So, if you can prove you have $500 a month coming in for the rest of your life and a few more easy requirements, like no criminal record, then you qualify for the generous package of 'Pensionado' benefits, including: 50% off hotel room stays; 30% off public transport including airfare; 20% off doctors visits; and a whole lot more.

Panama is safe. It's has a very stable democracy. It's people arre extremely friendly.  Plus Panama boasts one of the best health care systems and modern infrastructures in all of Central America. If you take just a little time to learn about Panama, you will soon find it just keeps looking better and better. Panama is also known for it's pristine nature where the country’s wildlife is abundant. That’s a big reason the Smithsonian’s Tropical Research Center is located in Barrio Colorado, Panama.

If you remember your geography then you know Panama also has two long coasts - one on the Pacific and the other on the Atlantic - Caribbean. There you can discover adventures that are off the beaten trail or as Panama likes to say, 'The Path less Traveled'. In Panama you’ll find rain forests, white, golden and black sand beaches; in addition to everything you could possibly desire in a tropical paradise like: snorkeling, the world's best big game fishing, sailing, hiking… and much more. Panama also has territories inhabited by the seven indigenous peoples of Panama where you can safely explore and learn about cultures past.

Yes, if you're one of those fortunate souls who is ready to retire early and enjoy an exotic lifestyle you can do it in Panama!