Moving to Spain - Reboot for 2014!

If Moving to Spain is your idea of Quality of Life welcome! Spain came up 17th on the International Living list of the Best Places to Live back in 2010- only 17th? But who doesn't love Spain or at least the idea of living in Spain? Today Spain is even more attractive particularly for expats. Real Estate is at an all time low as is the cost of living and yet the Spanish people remain some of the most friendliest and hospitable in the world. For 2014 I.L. upgraded Spain to 5th spot for the best place to retire. 

We recently visited Spain and it's now top of our list for places we're seriously thinking of moving. Check out the great checklist below courtesy of SpainExpat for.....

How to move to Spain

If you're seriously considering a Move to Spain then there are quite a few things to take care of before you go like: learning at least a bit of Spanish; obtaining a visa; gaining residency; health insurance; opening a new bank account; and finding Property in Spain. I discovered a convenient checklist of 'Things to do before Moving to Spain' on SpainExpat.com and summarized it below:

Click Here!

SpainExpat suggested Things to do before moving to Spain:

1. Print this check-list for your move to Spain.
2. Take at least a 'Basic Spanish' language course - anyone who has moved to Spain will tell you this!
3. If you aren't retiring to Spain then you will need a job. Unless of course you're in a position to retire. With Spain's ultra low cost of living and Real Estate bargains you may find early retirement in Spain a real possibility. It's a good idea to have employment locked down before you move to Spain.
4. Maybe you're considering opening your own business in Spain. Be sure to find an English speaking lawyer in Spain and get as much done by email and phone before you move.
5. Apply for your Spanish Visa. This needs to be done in your home country before you go. Look up the nearest Spanish Consulate and get the ball rolling - it may take some time.
6. Do you plan on making this a permanent move to Spain? If so you may need to change your residency. This can also have some tax advantages particularly if you are Canadian.
7. Check into health care. What are the costs health costs and how will you pay? Make sure you have this set up before you change your current residency or cancel any insurance coverage you now have in place.
8. If you are not sure whether this will be permanent plan on sharing residency between home and Spain.  Keep some ties and in particular keep a bank account and credit card in your home. Find a bank that offers special accounts and perks for travellers and international residents. Many have low fee plans for example when it comes to taking money out in a foreign country.
9. Make certain your drivers license or passport are up to date. If they are getting old then renew them now before you go.
10. Remember living in Spain means most things will come with Spanish instructions. Computers and cell phones will have different, Spanish language keys etc. You may want to consider buying items like this at home before you move to Spain. Trust me, learning how to use a Spanish keyboard and settings can be very frustrating and time consuming. On another note make certain any electronics you buy at home will work in Spain.
11. If you are buying Property in Spain and need to move household items be sure to make your flights and arrival dates convenient for being there when your furniture arrives.
12. Will you be moving a car too (not recommended) or buying one once you settle in? If so you want to be familiar with the Spain Car Hire Agencies in particularly ones that offer long term car rental rates.  Also check into public transit. In Barcelona, Madrid and Valencia this is a great way to get around.
13. Is Fido moving to Spain too? You may be surprised what it takes to move a pet out of your country and into a new one. Allow time to get all the required paperwork done.
    
14. Go to your local post-office and arrange for your mail to be redirected to your new home for at least 6 months.You may even want to consider keeping a permanent post box at home and have your mail forwarded indefinitely.

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.

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.

Healthiest Country in the World

You may think about moving to this special country for the quality of life - the finest wines - gourmet dining - lasting romance - entertaining culture and conversation - traditions - history more.

But once you are there, you will benefit enormously from the excellent health care system.

Eoin Bassett is the managing editor of International Living, in this guest post he reveals the name of this country, and some very interesting facts and figures that he uncovered during research for the I.L. Quality of Life Index 2011.

The healthiest country in the world is France. That might surprise you about a country that places such an emphasis on delicious food, savory meat dishes, creamy sauces, delicate cakes, sweets and pastries, fine wines and barrel-aged brandy.

But the low cost of health insurance and the superb quality of care means France romps to victory in the health category of International Living's Quality of Life Index 2011.

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Life expectancy in France averages 84 years for women and 77 for men. In the past 10 years the number of people in France living over the age of 100 has doubled. And the World Health Organization shares our view, naming France number one in their world health report...

But what is day-to-day care really like?

Expat Adrian Leeds knows. Enchanted by la bonne vie ("the good life") she moved to Paris 17 years ago and never looked back. "You can call SOS Médecins for a home visit by a doctor who arrives within 30 minutes of your call. All for the cost of a normal office visit (about $30). Or, call SAMU to be rushed to the nearest hospital and no one asks to see your proof of medical insurance prior to treatment. And the doctors actually use their knowledge and experience to treat their patients rather than over-prescribing tests because their malpractice liability isn't so great. Drugs are so inexpensive, it's a joke by comparison to the U.S..."

And once you move to France, you may be able to transfer your health care plan to a French provider, or even to one of the many British companies that specialize in providing coverage for individual expatriates. This may prove cheaper: Costs depend on age and medical history, but if you're in good health, monthly premiums average $125.

It's easy to find out more. Subscribe to International Living magazine with this link and we'll deliver a free French Health Care Report instantly, as part of your subscription (as well as the Quality of Life Index 2011). This super-detailed report researched and compiled by our Euro editor Steenie Harvey tells you everything you need to know.

In fact, Steenie is just back from a scouting trip to Corsica, a part of France virtually unknown to most North Americans. Hidden just off the French Riviera, French and Italian vacationers have long enjoyed the silver beaches and azure-blue seas of this affordable haven.

This dramatic, unspoiled and sensual island casts a spell on all who visit. With Italy the nearest landfall, the climate is similar to the Italian Riviera and the summer lasts longer than anywhere else in mainland France.

Steenie says "it's criminal not to lunch outdoors," feasting on wild boar, cannelloni pasta and chestnut beer. When you subscribe to IL magazine, you'll get the current issue (where Steenie pulls back the curtain on this mystery French island) and we'll send you your free French health care report.

Best Places to Live in Canada

MoneySense Magazine, a division of Canadian Business has ranked the Best Places to Live in Canada. Their index is based upon data the compile for around 180 different Canadian cities and towns. The MoneySense index rates and ranks these communities for things like - climate; healthcare; crime (safety) house and rental costs; income and other lifestyle categories. Like the International Living Quality of Life Index the overall list is based on total average so one community could fare substantially better in a category than another but still be below them on the total rank list.

It takes quite a while to compile all of the data so we are always looking at the previous year. In this case we're looking at the best places to live in Canada in 2010.

The top city for Best Place to Live in Canada was Ottawa.  For more about Ottawa's honour check out this report on CTV news - Ottawa the best place to live in Canada, magazine decides - CTV News


The next nine spots went to:

The Best Places to Live In Canada

#2 Kingston
#3 Burlington
#4 Fredericton
#5 Moncton
#6 Repentigny
#7 Brandon
#8 Victoria
#9 Winnipeg
#10 Lévis

What is interesting and pretty cool about the list is that the top places to live are really spread right across the country. When looking at the extended list of the Top 25 Places it really shows how quality of life is diverse and truly spread from East (St.John's) to West (Victoria) and from North (Yellowknife) to South (Windsor).

The other thing that strikes me about the MoneySense index is how comprehensive it is. International Living looks at Quality of Life from nine different directions (categories) while MoneySense looks at 6 categories but MoneySense goes much deeper into each category. When you add in the sub-categories the MoneySense index looks at 25 different factors altogether. That's a pretty in depth view of any community. It doesn't come right out and present the Cheapest Places to Live in Canada but it gives you a lot of data and certainly enough to determine if the standard of living in each Canadian location is one you can afford.

With this kind of detail it's not too difficult to extrapolate the data for different uses. Whether you're looking for the Best Places to Retire in Canada or the best places to live from almost any other perspective the MoneySense index works.

Priciest Places to Live

I'm going to skip ahead for just a moment here in our review of the Best Places to Live according to International Living's Quality of Life Index for 2011. Germany is ranked 10th on the index and while I will have more to say about Germany when I get to that part of the list I came across something in the news today which I found interesting and a little humorous.

Germany's English news, The Local, reported this morning, "Survey reveals Priciest Places to Live". Now just to clarify this is German news speaking specifically about Germany, not the 'priciest places in the world' - I actually think I wrote about that a while back. Anyhow, the article goes on to say the Munich residents are paying double the national average for real estate and rentals. I had to chuckle a little. It just made me realize our perspectives are so different around the world. In smaller European countries citizens expect prices and cost of living to be relatively consistent throughout the country and double from one area to another is considered quite extreme. It's funny to those of us who live in the massive countries of North America. Yesterday I wrote about Canada's Cheapest Place to Live, Nova Scotia. Where a nice three bedroom home on a large plot of land can be found for under $150,000 all the while no one even raises an eyebrow to condominiums selling in Toronto or Vancouver for millions of dollars. The same goes for the United States. Last year Detroit reported the cheapest house sale ever at under $10,000 while New York City and L.A. have their multi-million dolar condo markets. In North America we don't think twice about real estate varying ten fold or more.

Back in Germany eight most expensive places to live are all in Bavaria while Hamburg was ranked the most costly place to live. The eastern areas with the Saxony town of Görlitz in particular represented the least expensive places to live in Germany.

Source: The Local:

Best Places to Live Monaco

Yes, we're half way through our review of the top ten best places to live in 2011 with Monaco coming in 5th. This of course is based on International Living's Quality of Life Index for 2011. By way of a quick recap - The U.S. took top spot as the Best Place for Quality of Life, followed by New Zealand, Malta, France and now Monaco.

Monaco doesn't make our top ten list for the Cheapest Places to Live but it does have a lot of other wonderful aspects which help it make the top 5 list. If you're interested in living the Riviera lifestyle with fun, sun, and that sexy James-Bond style excitement, than you really want to put Monaco at the top of your list of places to live. Monaco is probably one of, if not THE most prestigious places to live in the world. It's well known as one of may playgrounds for the rich and famous. But, for those who may not be so rich it is still a beautiful place for enjoying the Mediterranean Sea. Monaco also has one of the best man-made beaches in the world.

The name Monaco conjures up many images and is known for many things, foremost are gambling, being a tax haven and car racing - after all the Monaco Grand Prix is one of the most famous races in the world. As a European destination Monaco is one of the most popular spots for those with money to burn and time to enjoy the fabulous weather, casinos, luxury shopping and high-end yachting. Similar to Malta, our 3rd best place for quality of life, Monaco is very small. It actually covers less than 500 acres - Now, that is one small country! But even though it covers such a small area it's still one of the most densely populated places on earth.  Monaco's population is 32,000 - that's more than 60 people per acre. The official language in Monaco is French but you'll find lots of English and German speaking people too.

So, if Monaco is the playground for the rich and famous how could it also meet the criteria for being one of the best places to live?  It's true Monaco ranks pretty low when it comes to cost of living, in fact it's 23 on the list. But were it fails in expense it more than makes up for in Climate, Freedom, Economy, Infrastructure and Safety.

Monaco is Top's for Climate

Here the climate is very mild year round because of its location on the Mediterranean Sea. The skies are almost always sunny with less than 60 day of rain per year.  Summers are warm, usually in the 80's F while winters never drop below 50 F.

Monaco is a Monarchy

The government is a constitutional monarchy with the Prince of Monaco as head of state. There is also an executive branch and cabinet in parliament. The government known to be very stable and fair.

Where is Monaco?

This small country is actually a sliver out of France right on the shores of the Mediterranean Sea.

Best Places to Live #4 France

The Quality of Life Index for 2010 gave France top spot as the best place to live. This year France slipped a little to 4th place mostly due to a rising cost of living - thanks to the economic melt down in Europe and across the developed world. So, while France may not be the Cheapest Place to Live it's still considered first class for many other lifestyle reasons.

Living in France brings romantic visions of Paris, cafes and lingering over fine French cuisine. But these days living in France brings more than the thought of romance and culture, living here also means exceptional care - health care that is.

Best Health Care in the World

As that wave of consumers known as the boomers rolls steadily across the markets everything changes. Today aging boomers are perhaps more interested in health care than romance and that may very well be the reason people are now looking to France for more than just a cup of coffee or a glass of fine French wine. A decade ago the W.H.O. (World Health Organization) gave France top marks with the designation of "Best overall health care system in the world". No one goes with health care in France even if your a non-citizen. French law makes private medical insurance mandatory for non-citizens who reside in France.

Moving to France

If you’re thinking about moving to Europe, then a move to France could be top of your list for consideration. When it comes to Quality of Life France has everything you want to look for. In this years Quality of Life Index France scored top marks (that's 100 out of 100) for Culture, Freedom, Health and Safety. Add to that list the beautiful unspoiled French countryside, the world's best health care system, history and colourful traditions and you've got almost everything you could wish for.

Now if you are seriously considering a move to France, your biggest challenge will be determining which region of France is the best place to live for you. Whether it's Celtic Brittany sun drenched Provence, or grand Paris France has something fort every appetite.  There are numerous reasons to chose France and good reason it's #4 for the best places to live. What are your reasons for wanting to move to France?

Moving to France for Climate

France is one of those fabulous countries that offers a diverse climate with something for everyone - moving to France means you have the mountains, beaches, and countryside all within a few hours.

Moving to France for Life Balance

France seems to always find itself toward to top of the list when it comes to the Best Places to Retire but it's also a very attractive place to work and raise a family. In the west Americans have the reputation for working way too much! The French begin with five paid weeks of vacation each year. They insure work doesn't intrude upon a quality life by working less hours each week too. As we mentioned previously France has the best health care system in the world. The French are known to live longer and have much healthier lives, less stressful than Americans. So, if you're ready to escape the rat race behind France maybe just what the Doctor ordered.

Interestingly our next Best Place to Live in the world is not consider part of France but is a small country on the French Riviera. Watch for it!

Cheap Places to Live Abroad

As I read through the International Living Quality of Life Index for the best places to live in 2011 I can't help but be drawn to that one very important category - Cost of Living. It's such an important topic since the economic melt down. Retirees were sitting pretty and thinking they could settle down just about anywhere they wanted on the planet but then overnight it seemed their nest eggs disappeared or at the very least have been diminished to a great extent. It's really quite sad and when I hear people who should be retiring saying things like, "I don't know if I will ever be able to retire". It breaks my heart.

Now savvy and global thinking retirees aren't about to give up on their dream. In fact they were probably planning alternative scenarios for retirement many years before the collapse. And that's where this index can really come into play. Restricted budgets and income losses don't mean retirement has to be put on the back burner. It does mean finding the cheapest places to live has become a greater concern and a higher priority.

This is the fun, interesting and helpful part of having Quality of Life for each country broken down by nine different ranking categories. Let's revisit our list of the Best Places to Live based on average quality of life and determine the potential Best Places to Retire based and rank ordered by Cost of Living -

Cheap Places to Live Abroad

#1 - Hungary
#2 - The United States
#3 - Argentina
#5 - Portugal
#6 - New Zealand
#7 - Malta
#8 - Uruguay

#9 - Slovenia
#10 - Belgium

Of course we are talking about entire countries here so the data and the index once again can be a bit suspect and perhaps even misleading. The United States is the best place to live and has the second lowest Cost of Living according to the index. Now we know the U.S. does have a very low cost of living in some places. And, it has very cheap housing BUT it also has some of the most expensive real estate on the planet! It's a huge country so the averages can be quite misleading and will skew the results. Sure, you can live very cheaply in some very rough neighbourhoods in the U.S. You can live cheaply in some very cold and snowy places in the U.S. On the other end of the spectrum we have very small countries like Malta with a high quality of life score. But, in Malta the climate and cost of living is pretty consistent throughout the country. This is why quality of life really needs to be considered as a basket of items including such very important things like climate.

Best Places to Live in 2011 - Malta

Next on the list for International Living's Quality of Life Index and at position #3 for the Best Places to Live is Malta.

Like New Zealand Malta gets high marks for Culture, Freedom, Climate and Safety. Malta is also a bit of a darling for those with capital who are looking for the best places to retire where they pay the lowest taxes. Although Malta has taxation agreements with most EU countries and the United States those who manage a work around and show earnings from elsewhere get taxed at a lovely low flat rate of just 15%.

Malta has been growing and attracting a lot of expats over the past six or seven years - basically after they chose to enter the European Union in 2004. As a result the country has become more and more of a multi cultured mix of nationalities. You'll find people who have moved to Malta from just about every european country you can think of in addition to most other parts of the world.

So why move to Malta?

Well besides the opportunity to save big time on taxes there are lot sof reasons to live in Malta. Climate is probably top of the list. This is the place where outdoor living is not only desired but extremely comfortable and easy to do. If you're retired the cost of living is reasonable but if you're still in the job market wages are definitely lower than say the U.K. But many people are willing to accept less pay for a higher quality of life aren't they? Malta has lovely warm weather and beauty in all directions particularly in it's architecture with grand stone houses and flowers running wild along stone walls and fences.

It can be hard to think of Malta as a country because it's really just a grouping of small islands. It's located south of Italy and north of Africa. in the Mediterranean Sea. Malta is often referred as the crossroads of Africa, Europe, and the Middle East. The area it covers is quite small as just 122 square miles. To put that in perspective Malta is about twice the size of Washington D.C.

Malta may not be one of the cheapest places to live in the world but it is certainly one of the cheaper places to live in Europe.

Where Should I Live in 2011?

Last year I first asked the question, 'Of all the places in the world, Where Should I live?' This lead to a quest to find the cheapest and best places to live as ranked by authorities who do just that - rank places based on a variety of statistics. A year ago I presented what I thought was a pretty interesting and credible list - the International Living Quality of Life Index. I had so much fun reviewing that piece and such great feedback that I decided to subscribe to, a monthly publication. I've learned a ton about new places to live which are emerging all the time. It's such a great resource - I highly recommend it - you can get more details on he magazine and subscriptions by clicking on that box over to the right or on any of the numerous links I've placed in previous articles.

Well yesterday I announced that the annual Quality of Life issue had arrived and I let you know about the top ten places to live in the world - that is to say the list of those places offer the very best Quality of Life and Living for 2011. You can just look below at that post to learn more.




As I did last year I'm going to spend the next few weeks going over the list in-depth. I'll talk about each country and some of the things which may not appear in the index like, which ones are also the Best Places to Retire and where I can find data I'll explore the cheapest places to live within each country.

The index is just that - an index. So it ranks countries by a number of factors and the overall winner is the one with the highest overall rank. Yesterday I announced, much to my surprise, that the United States Quality of Life was determined to be the best with a final score of 86.43. Now numbers aren't the whole story. Sure the U.S. ranked high on Economy - let's face it, depression, recession whatever you want to call it the U.S. still it has the largest economy on the world. or - at least compared to the other 191 countries in the complete index - well no, not really - it is the biggest in the world! The United States also scores very high when it comes to infrastructure - sure if you live in the States you may be contenting with pot holes and other challenges which would cause you to question that but again overall when looking at all of the countries the U.S. stands in pretty good stead when it comes to infrastructure. And it continues to score relatively high across all of the other nine categories (see previous post).

Now all of that said this is a list which is determined by averages so a huge country like the U.S. can really skew the results. For example, while the U.S. does offer some of the cheapest places to live in the world - check out Waco Texas or some of the mid-mid west States like South Dakota or how about Detroit where, due to a devastated auto industry, the cheapest house on record was sold last year - it also has some of the most expensive lifestyles and cost of living on the planet - check out downtown Manhattan or Malibu Beach. The same goes for weather - 40 below in the North is tempered by balmy warm winters in Southern Florida and Southern California.




In future posts we will move beyond the U.S. borders but may check in with comparisons from time to time. For now, read on as we explore and try to answer that question, 'Where Should I live in 2011?'

Easiest Places in the World to Retire

When it comes to an overseas adventure, the romance is built-in. The idea that you could escape your world and embrace a new one. Make a life filled with the things you love, enjoyed in a place you choose. What freedom!

Yet the “what-ifs” can be paralyzing. What if I’m single? What if I can’t speak Spanish? What if I don’t meet other people with my interests?

Spend too much time worrying and fretting, and you’ll never head for better shores.

The reality is: A move abroad need not be overwhelming. Not when you ease into a smooth and comfortable transition.

And you can when you choose a place that’s welcoming and arrive with the right contacts…

Do that, and you’ll discover the romantic promise of a better life overseas isn’t just a fantasy. It's real.

And it can be your reality -- sooner than you think -- when you land in one of the 16 communities in Latin America, Asia, and Europe profiled in a new report called, The Easiest Places in the World to Retire.

And now you can get it free! Just click here for all, the details

You'll find inside a hand picked selection of places where you don't need to have a built-in adventure gene to make a comfortable go of it. Islands. Colonial Towns. Beach communities. Cities.

Your ideal destination might not look like anyone else's. But in The Easiest Places in the World to Retire, there's something for every taste.

Here's what one ex-pat says,


Friends Always Visit...

"I was worried when I moved from the U.S. that I wouldn't see my old friends again -- forget that. Now my biggest fear is that my visiting friends will never leave!" -- Teresa Lemon at home in one of the World's Easiest Places to Retire"

Maybe a low, low cost-of-living is your number one concern… or maybe it’s warm weather… or an English-speaking population… or accessibility to great cultural offerings. Maybe it's other expats you'll have something in common with... or the speed of your internet connection... or your proximity to a Costco... or the access to good health care.

Just know: Whatever your dream and whatever you're worries you always have very attractive options. They're all catalogued -- the best of them -- the places where you'll fit in most quickly and comfortably -- in The Easiest Places in the World to Retire.

The Easiest Places in the World to Retire is Yours Today – No Charge, No Risk

Check it out Here!

The Easiest Places in the World to Retire is yours. All you need to do is take a risk-free look at  International Living Magazine. It's as easy as that!

Best Places to Retire

When it comes to living cheap retirees are the first ones to ask, 'Where are the Best Places to Retire?'


Retirement Living brings with it a whole new set of feelings and concerns. I don't mean to make light of the issue or to say that those who are middle aged are stingy or cheap. It's simply a reality. People live a lot longer these days and many who are looking at retirement are worried they will out live their savings. Even though many people think this is a new phenomenon due to the down turn in the economy the fact is living cheaply has been top of the mind for retirees since the since good old Otto von Bismarck first introduced the concept of the old age pension back in 1889. Everyone who retires wants to stretch their dollars as far as they can because the really don't know how long they will be around and the certainly know there is no more cash coming in.

Some people think the only way to stretch those dollars and enjoy a quality of life in retirement is to search out the best places to retire overseas. As the internet changes our society into one which is more globally inclined and less worried about patriotism this option can make a lot of sense. It still amazes me how many people stay within a few miles of where they were born and yet they complain about politics, the weather, taxes and more. Why not move? Many countries overseas saw big changes in their economies long before the still young U.S. experienced their downturn. In fact the new world was created out of just such downturns and strife many years ago. We could think about European countries as they've been there and done that. The cost of living in many foreign countries overseas and abroad along with lower taxes, great benefit programs and lovely weather can be a huge pull for those looking considering the best places to retire abroad.


So, where is the best place to retire? Well as with most questions that seem simple but are really very complex the answer is, 'It depends.' Yes, it's true it does depend on a lot of things. When Americans ask that question they are probably really thinking, where is the best city to live in USA? Ask a Canadian or European that same question and their minds inevitably reach beyond the borders of their home country to more exotic lands.


International Living has been asking this same question for a number of years and their retirement index of the best places to retire in the world is a constantly changing traget. For example their top five best places to retire in the world 2010 list names these countries:


#1 Ecuador
#2 Panama
#3 Mexico
#4 France
#5 Italy


add in these communities and you've got the Top 10 Best Places to retire.


I wonder what next year will bring? Maybe Retire Belize or Ecuador will make the list.


The International Living Retirement Index by the way ranks the top 25. You can learn more about I.L. and their retirement research here - International Living Magazine.

One of the Cheapest Places on Earth

Own a brand new beachfront condo for $75,000. Or a luxury apartment for $28,000. Employ full-time household help to cook and clean for $30 a week. Enjoy a gourmet meal for two, with wine and dessert, for $25.

Every cliché you've heard about living large on little…about settling into the lap of luxury on even a pensioner's budget…is true in this country.


Ecuador has my attention because it offers some of the cheapest property values in the world today. For example, you can buy a high end 1,000-square-foot condo on the beach for less than $100,000…or a comfortable mountain retreat for less than $50,000.

Last year, Ecuador topped International Living’s Retirement Index, which praised its quality of life and low cost of living.

In this country, you can live high in the mountains and enjoy year-round spring-like weather. Or you can choose from 1,390 miles of coastline and great beaches. And your dollar goes far. I know of retired couples who live comfortably on $700 per month. An excellent three-course lunch costs $2. Ecuador welcomes foreigners with open arms. Best of all are the property prices and holding costs, both of which are low.

International Living

A few weeks ago I mentioned International Living Magazine. It's a great resource and one I refer to often both online and off-line. The thing I like most about I.L. is that the articles are written by people who have 'been there and done that'. They really are Living Internationally not sitting in a New York office collecting data. Here are the most recent topics and headlines to give you a flavour for what they are finding on the International Living scene:

April 2010 - Cerro Azul: Where You Can Still Buy Land in Panama from $16,500

March 2010 - Portugal's Alentejo: Europe as It's Meant to Be

February 2010 - The World's Easiest Places to Retire - Note: Watch for an upcoming blog post with lots more detail ion this topic!

January 2010 - Quality of Life 2010: The World's Best Places to Live - If you've been following this blog you know we've spent the last three month's reviewing this issue. Great stuff!

December 2009 - The 4 Best Real Estate Plays for 2010

That gives you a bit of the flavour and variety of topics you will find in International Living Magazine. Each month I really look forward to getting my hard copy in the mail. It's a full colour magazine and although it does a few full page advertisements they're really not over bearing and are targeted at whatever the current article is about so that can even be helpful.

So, if you're curious about International Living and want to learn from the best source check out my World's Best Places to Live post for more details.

The World's Best Places to Live

I've spent the last couple of months summarizing International Living's Quality of Life Index 2010: The World's Best Places to Live. Now a few of my subscribers and friends have asked me where they could get the complete index - well here it is!  Just click on this image of the magazine cover (below) and it will take you directly to International Living where you can subscribe and get the special report. Oh, and they send you lots of other cool reports too. So, if you are interested in living or moving or even just travelling aboard I'm sure you will find IL as interesting and informative as I do!





 <= Just click Here!






See my 'Update on International Living Magazine' post on April 1st for more info - oh and no it's not an April Fools joke!

Norweigen Places

Norweigen Pop Quiz -

If you're from Norway you are:

a) Norweigen

b) Norwegian
c) Norweigan
d) Norweigian

Correct answer: b) Norwegian!

Yes, even though one of the most common and popular ways to spell it is "Norweigen" the fact is your ethnicity is Norwegian if you're from Norway.

Norweigen Cruise

Tried to trick you again! It's not Norweigian Cruise or Norweigan Cruise but the infamous Norwegian Cruise Line. These folks are probably the biggest Norway ambassadors out in the world today even if it's just their name the world class cruise line has managed to put Norway and the Norweigan people top of our minds when it comes to quality and service. It's certainly one way to learn a little more about Norway and its wonderful people but of course the best way to discover any country is to start by visiting as a tourist.

Norway Vacations

Norway is the northernmost country in Europe giving Norway vacations a lot to compete with, given the attractiveness of its neighbours to the south. That said the northern chill and dramatic landscape of Norway is an opportunity to engage in Arctic activities like spotting walruses, whales, and polar bears meandering the Norweigen fjords. Awesome cross country and alpine skiing are also a big reason for a Norway Vacation. For the less adventurous one can stroll the streets of Bergen, see the Northern Lights, tour Borgund, Heddal, and Urnes, or experience the Oslo Opera House for an unforgetable night of entertainment. A Norway vacation might not be tropical, but it is certainly splendid in its own right.

It's one thing to travel strictly as a tourist and putting together your own vacation can be a lot of fun. But, when you are investigating a country for the potential to live there you need to have a totally different mindset. If your looking for the cheapest or best places to live than the best way to explore Norway or any country for that matter including Norway is to find a good selection of vacation packages to chose from.

Norway Packages

Why invest in a Norway Vacation Package? They are typically more expensive and may seem more rigid at first glance. But if you chose from a variety of Norway Packages you can usually find one that meets your needs. Many companies offer custom vacation packages so you can get off the beaten 'tourist path' and discover the country more from an insiders perspective. Some even give you the opportunity to live, dine and socialize with local families - the very best way to learn about living in a new land like Norway is by taking advantage of extensive Norway Packages.

Top 10 Most Popular Places in Norway

1. Oslo
2. Bergen
3. Trondheim
4. Stavanger
5. Tromsø
6. Ålesund
7. Lillehammer
8. Hammerfest
9. Bodø
10. Kristiansand

World’s most desirable place to live

In 2009 the UN list of the Best Places to Live had Norway retaining its status as the world’s most desirable place to live. This annual report by the United Nations found that Norway has the highest standard of living for its citizens. The BBC noted: Norway's consistently high rating for desirable living standards is, in large part, the result of the discovery of offshore oil and gas deposits in the late 1960s.

The UN Top Ten List

1. Norway
2. Australia
3. Iceland
4. Canada
5. Ireland
6. Netherlands
7. Sweden
8. France
9. Switzerland
10. Japan

While the the United States placed 13th. Note this list is a bit different than the one recently published by International Living which placed France in the Top Spot for Quality of Life.

The Best & Cheapest Places to live in the Netherlands

In our final list of the Top 25 Countries for Quality of Life the Netherlands, often referred to as 'Holland' came in 11th. That's of course according to International Living's 2010 Quality of Life Index.

The Cheapest Place to Live in Holland (the Netherlands)

First let's compare the Netherlands to some of it's European neighbours. March 2008 cost of living data shows Amsterdam as one of the more expensive cities to live in.

Finding a nice place to live is always difficult. Holland is no exception - getting the right accommodation can be hard, especially in large cities.

If you are planning to move to the Netherlands or are there already, and you need to find a place to live, Pararius is the perfect place to find a cheap place to live. The rental listings from Pararius include unfurnished properties, semi-furnished houses and apartments as well as fully-furnished residences.

Amsterdam

Amsterdam has a relatively mild climate for a place so far north, so even winter visits can be quite comfortable. Amsterdam's three quarters of a million inhabitants represent a staggering 177 different nationalities. Tolerant. Chill. Liberal. Amsterdam could be called all these things. The city has been known for its open-mindedness and flexibility since it was a haven for religious refugees in the 16th and 17th centuries.

Living in Amsterdam

Renting in Amsterdam is expensive, and it's best to get an agent to find something suitable for you. Generally, you can expect to pay a deposit of two months, the first two months up front, and agent's fees of usually one month's rent.Some examples of the

Cost of Living in Amsterdam

Beer (six pack) €3.59  Bread €1.20 Litre of Milk €0.65 Litre of Gas €1.49
Kilo of Potatoes €1.80  Kilo of Fresh fish €18

Other Cities in the Netherlands

Amsterdam is the largest city and most well known however there are numerous other cities in the Netherlands which are certainly worth a look. The next five largest cities are: Rotterdam, sGravenhage, Utrecht, Eindhoven, Tilburg.

If you're from the Netherlands why not leave a comment about what you think are th Cheapest and Best Places to Live in the Netherlands?

Top Cities to Live in Belgium

We've counted down through International Livings Quality of Life Index and named the Top 25 Places to Live in the World now we're counting back up to explore each country and look at the Top Cities to Live in within each country. Today we're at #8 on our list with Belgium.

If you're looking at Belgium and asking 'Where should I live?' or 'what are the top cities to live?' check out these top spots:

If you have an unlimited budget try : Genval, Waterloo, Tervuren, Overijssche. If you are looking for city life Park Cinquantire is quite lovely and not as expensive as the suburbs. Of course Brussels, Belgium is always on the top of anyones list looking at Belgium. Belgium was a strong performer in many categories, ranking 2nd for infrastructure, 10th for health and 12th for leisure and culture.
According to the International Living report, Belgium's capital Brussels is the greenest in Europe. It is also the headquarters of the European Union and NATO.

Major Cities in Belgium are Brussels, Brugge, Antwerp.

Brussels is the biggest city in Belgium. It is also an important city, being the administrative center of the European Union. Because of this, it is called the Capital of Europe. It was also the headquarters for NATO. Historically, it has been home to a mix of Flemish and French culture. Today, it is known for being an international center with a mix of nationalities. Children often know how to speak Flemish, French, English and/or German by the time they are in high school! It is a cosmopolitan city that has a mix of business and commerical buildings, but also castle remanents in the middle of the streets. It is a pretty expensive city. Its metropolitan area has around 1.8 million people. You can eat some of the best French fries and waffles in the world in Brussels. So one would not consider Brussels if looking for the Cheapest Place in Belgium.