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Have you found the saying, “life doesn’t always turn out the way you expect” to be true? My husband and I have definitely found that to be the case. We’ve also realized that when life takes you down different paths it isn’t necessarily a bad thing! After years of working and living in Canada, raising a family and caring for elderly loved ones we realized that our “retirement years” were fast approaching.
I was asked again the other day what I love most about Ecuador, and as I answered it occurred to me how retired I sounded. I’m not retired, of course, but as I was going over my three big pluses for this country…the weather, the cost of living, and the variety…I realized that all three of these qualities appealed directly to my Inner Retiree.
There are a lot of practical advantages to living in Costa Rica that I’ve discovered during my two years here. A big one for my family is the savings on medical care. When my son was born in June of 2012, we paid just $3,000 for the birth at a private hospital, including all the doctors’ fees and an overnight hospital stay. That’s cash, no insurance. We would have paid $15,000 to $20,000 in the U.S. When, at six months, the baby developed some health issues, testing and treatment was cheap too.
The small, pretty town of Chantilly is less than 30 minutes from Paris by train, but when you arrive at the station and take a lungful of fresh air, the big city couldn’t feel farther away. Chantilly (pronounced shahn-tee-yee) lies in the Oise department of France, 24 miles north-northeast of Paris. It is both the name of a town of 11,000 people, and of a larger commune that comprises several other towns and villages, bringing the total population to 36,000.
If there were ever two towns that complement one another perfectly, they would be Montañita and Olòn on the coast of Ecuador. About an hour north along the coast from Salinas—one of Ecuador’s best-known and most popular beach destinations—these two beach towns each offer a very different vibe. Montañita is named for the “little hill” that sits at its north end and separates its picture-perfect golden-sand beach from Olòn’s picture-perfect golden-sand beach. It’s less than a five-minute drive from one to the other, and a taxi ride will cost you just $2.
“Sometimes we just shake our heads in disbelief that we actually own a home right on the beach in one of the most beautiful places we’ve ever seen,” Paula Irvin says. “It’s absolutely amazing!” Hummingbirds zip around the bright-red feeder hanging from the balcony. “They always come at this time—just as the sun begins to dip into the ocean and the other birds start calling to each other a goodnight song,” says Paula.
The very thought of moving abroad seems like such an adventure, doesn’t it? The world is full of so many intriguing locations. Which country would you choose? Which city? If you actually pull the trigger and relocate, then the adventure truly begins. Everything is new, exciting, interesting, frustrating, and exhausting all at once. You’re meeting new friends—maybe learning a different language—adapting to a foreign culture, and exploring surrounding areas.
There’s no other retirement destination quite like Panama. Whatever you’re looking for in a retirement, you’ll find it here. Do you prefer living by the ocean? In the mountains? In ranching country? Big city? Small town? Would you prefer the mainland or a nearby island paradise? Well, Panama has it all so the choice is yours.
- We Said Goodbye to Our Old Life…and Hello to Costa Rica
Posted on November 25, 2013 by Emily Shea
Sometimes all it takes to make your dream come true is to take that first step toward it. My husband and I wanted to change our reality from your average suburban life in the States—mortgages, car payments, and credit card debt included—to a fresh life in a place where coconuts grow and the sun always shines.
- The More I Got to Know Cuenca, Ecuador, the More I Fell in Love
Posted on November 24, 2013 by James Mola
It was Christmas vacation 2009. I turned on my computer and clicked on Yahoo where a headline caught my attention: “The Top 10 Places in the World to Retire.” I had never heard of the number one city listed, Cuenca, Ecuador. But as I perused the other nine cities, I found something wrong with each of them. They were too hot or too cold, or hot in the summer and cold in the winter, which was just what I wanted to leave behind in Chicago; or they were too far from the U.S.
The two best things about mornings in Volcancito are the coffee and the view. I’m at the heart of Panama’s coffee-growing highlands—there’s even a bush of red “cherries” in my garden. (They’re surprisingly sweet when you suck one.) And for $600 a month, including all utilities you get a stunning view of the town of Boquete, Panama.
- A Pied-à-Terre in the South of France: $676 a Month
Posted on November 20, 2013 by Barbara Diggs
Think you can’t afford to retire in the South of France? Think again. While it’s true that unless you’re fairly wealthy, you should cross places like Cannes, St. Tropez, and most of the pretty medieval villages of Provence off your list, there are still a number of south of France towns, villages and cities, particularly in the Languedoc-Rousillon region (my favorite), that offer a highly enjoyable lifestyle for a reasonable price.
- We Found Nirvana in Ecuador—For Less than $1,500 a Month
Posted on November 18, 2013 by Donald Murray
With the divisive and toxic nature of U.S. politics these days and the associated economic impact, I understand those who might wonder about our motivation for packing a few suitcases and moving to Ecuador’s coast nearly 18 months ago. While politics and the economy had definitely impacted our lives, our reasons for seeking a life outside the United States had nothing to do with political disagreement.
You have the full sweep of the city’s coastline below you, from the high-rises of Punta Paitilla to the church steeples and colonial mansions of the historic Casco Viejo district. Walk back downhill a little and you’ll find a viewing platform from where you can see the goings on in the port of Balboa on the Panama Canal.
In Ecuador, there’s something for everyone…from the die-hard adventurer who wants to follow the path of British mountaineer Edward Whymper up the slopes of 20,702-foot Mount Chimborazo to those who want to learn firsthand why Charles Darwin’s 1835 voyage to Ecuador’s Galapagos Islands is called “the most famous few weeks in the history of science.”
“There was a hole there. There was no place to get good bacon and eggs,” says Andrew, who explains that there are many other opportunities in León for quick-thinking entrepreneurs. “There’s still very little here. So anybody who has a big idea— it’ll work.” His investment of $5,000 got things off the ground. And although there were some struggles in the beginning—he had no previous restaurant experience and the local bureaucracy proved tough to navigate until he hired a local accountant—his business has taken off.
- Irish Passports – One to Buy; One You May Be Entitled To
Posted on November 13, 2013 by Bob Bauman
Ireland is the land of literary giants James Joyce and W.B. Yeats. It is the land of U2 and the Undertones, of Dublin, Cork and Belfast, of top-notch restaurants, party-on pubs and a foot-stomping live music scene. It is a land of powerful politics and astonishing history—from countless medieval castles and early Christian monasteries to the largest concentrations of prehistoric monuments in Europe. It is also a land of real beauty—lakes, mountains, sea, sky, and its lonely, windlashed wilderness coastline—and, of course, the marvelous Irish people themselves.
If you are working an average job in the U.S., you might be just like I was a few years ago. I was working a 9-to-5 desk job at a bank, spending what little daylight hours I had running errands, cooking and cleaning up, and preparing for it all to start over again. Like most people, I had a yearning for adventure deep in the pit of my stomach, and didn’t know how to “fix” it.
My profession has taken me all across the world, experiencing unique journeys…attending world famous events…and meeting fascinating people. And I got paid to do it. I have rung in the New Year at Hogmanay in Edinburgh, danced up a storm at Seville’s April Fair, and was awed by the beauty of Buddha’s birthday celebrations in South Korea. I have ridden camels through the Sahara desert, liberated baby sea turtles in Mexico and swam with sharks in Belize.
I have a pretty standard morning routine. I’m awakened very early by roosters but stay in bed for a while as the sunrise filters into the bedroom. I start the coffee, open the sliding doors, step out to my deck, and look down into the valley below. I usually see hummingbirds buzzing around my flowers, sometimes a blue-crowned mot-mot. Some mornings one of my neighbors, a farmer, has been up even earlier…
- Ask the Expert: Public or Private Health Care Overseas?
Posted on November 7, 2013 by Glynna Prentice
Many budding expats are excited at the thought of moving to a country with good, cheap health care—especially when it’s one of their biggest expenses back home. Often one of the least expensive options is a country’s nationalized health plan. But is it right for you? And when might you want to use it? Here are the answers. Q. How do I even qualify for a country’s public (nationalized) health plan?
- A Doctor Explains: What the Affordable Care Act Means for Expats
Posted on November 6, 2013 by Timothy J. Garrett MD, MBA
October 1, 2013 saw the beginning of the enrollment period for health coverage under the Affordable Care Act (ACA). Along with the news about glitches with the health care website came lots of questions for expats: Do expats have to enroll? Will there be penalties for expats who do not enroll? Even if expats are not required to enroll, is there a benefit to enrolling?
Ecuador has been at the top of so many international retirement indexes and lists in the past few years that folks are beginning to wonder if there isn’t some kind of conspiracy at work. After all, how can a single country meet every one of the requirements that retirees are looking for overseas? Simple answer—it can’t. No place can.
On Tuesday, I will open my Ecuadorian bank account. No big deal; just a savings account with an ATM card. So, why am I so excited? When we arrived in San Vicente, Ecuador nearly 18 months ago, my wife Diane and I were as prepared as we were able to be, which is to say: we had a lot to learn! We had done our best to get ready for our transition, while attending to the myriad tasks necessary when making an international move.
I stood in the window of my apartment in Lucca, Italy, concentrating on painting the scene below. The narrow street was filled with the usual locals who were doing their daily marketing and stopping briefly in a centuries-old church to light a candle. As I tried to capture this slice of life on canvas, I looked out to see a pair of tourists aiming their camera at me—the artist in the window above. Once the shutter clicked, they smiled and waved and I waved back. But my own smile was followed by warm satisfaction that I was living a dream: spending several months in Italy so as to really experience the culture and become part of the fabric of local life.
A lot of folks look forward to and truly enjoy the change of seasons. Spring blossoms…the warmth of summer…fall foliage…bundling up in winter. I would not be included in that group. I’ve never been a fan of cold weather. Whenever it snowed I enjoyed walking around and throwing snowballs for about an hour. Then I was ready for it to go away so I could put on a bathing suit.
- A Laid Back, Low Cost Lifestyle in Punta Gorda, Belize
Posted on October 31, 2013 by Glynna Prentice
Every now and again, when life feels hectic or I fear I’m getting into a rut, I think of little Punta Gorda, Belize. It’s become one of my favorite places to dream of visiting again. Right down near the southern tip of Belize, Punta Gorda looks out on the blue Caribbean. The barrier reef and its wealth of marine life—one of Belize’s main claims to fame—is 30 miles offshore here.
Veronique McKenzie didn’t exactly choose to make her home in Belize…more like, Belize chose her. In her former life, Veronique was working in sales, marketing, and advertising, splitting her time between Chicago, New York and Los Angeles. Her job gave her the opportunity for plenty of travel…but as the years progressed, she knew she needed to make a change. She considered moving to Marseilles in France where she is originally from…but before she did that, she decided to take a vacation.
We sold our house, re-homed our furniture, and put the rest in a storage unit over two-and-a-half years ago. We’ve been living internationally in rented apartments and houses ever since, and we have never regretted our decision to spend our retirement years exploring the world. By the time we reached Portugal, our ninth country, we were practically on automatic pilot.
Two years ago we were both on the corporate treadmill—my husband Michael as a consulting engineer for some of the largest oil and gas companies in the world, and I running my own business. While dealing with the challenges of an ever-increasing workload, a dear friend died. It was then that we realized that we had to find the “off” switch for the treadmill.
You’ve got the options of a cosmopolitan lifestyle in cities like Quito, Cuenca, and Salinas… or a more quiet existence in any number of smaller enclaves where you can garden with a view. And your choices extend to the kind of home you’d like as well—from the convenience of a modern high-rise condo…to the space afforded by a single-family home with a yard…to raw land on which you can build your dream escape.
Bill and Carol Sansone are the envy of their friends. Acting on their passion for Italy they have gone back year after year to explore regions up and down the peninsula. Since 2005 they’ve taken six different destinations for a “test drive” in search of a future retirement home. “We’ve rented in Tuscany, Umbria, northern Lazio, Lake Como and Torino, settling into life in each locale, opting to walk or take public transit rather than drive…
My wife Suzan and I used to get dressed to go to work. No, really. Although we’re writers and have been for most of our professional lives now, there was a time when we’d have to put on the nylons and skirts and ties and slacks and sit in offices for hours on end. Flash back about 15 years. The clients we wrote for had Big Offices where they did Important Stuff that we would turn into brochures…
I first visited Manuel Antonio on Costa Rica’s Central Pacific Coast as a newlywed back in 2005. It was everything I’d read about the country and seen in pictures: White-sand beaches lined with palm trees and green-blue Pacific Ocean with jungle-covered mountains as the backdrop. And let’s not forget the wildlife. Capuchin monkeys. Three-toed sloths. And dozens of birds with vivid plumage.
- Falling in Love with This Charming Colonial Town in Colombia
Posted on October 18, 2013 by Michael Evans
As the bus rounds the bend, a town appears in the distance—perched majestically atop a mountain, surrounded by deep green forests, cattle ranches, and coffee farms. White-washed walls reflect the golden afternoon sun and a church bell tower rises into the heavens. This is where expats go to live a stylish country life.
Penny Ripple is perhaps Boquete’s most enthusiastic resident. “The landscapes here just blow you away. I can see Volcan Baru, a dormant volcano and the highest point in Panama, from my window. We’re about 3,500 feet above sea level in Panama’s Chiriqui province, near the Costa Rica border. I love it here,” she says.
- A Very Affordable Beach Lifestyle in Phuket, Thailand
Posted on October 15, 2013 by Heather Van Deest
Nothing quite prepares you for the beauty of Phuket, especially when approaching the region by air…the sparkling, turquoise waters and jungle-topped mountains, the rocky outcrops and white-sand beaches. The country’s largest island is paradise for many expats.
My wife and I just returned from a three-week trip to the States to visit our family. We babysat the grandchildren, ate some wonderful meals out, and purchased clothing and other provisions to bring back. We have lived in Cuenca, Ecuador for three-and-a-half years, and with each journey (there have probably been more than 10 by now) we come to appreciate more and more how fortunate we are to embrace the best of both worlds.
For us, the daily grind in the States had begun to require too much work for too little reward. Expenses were rising and both my wife and I had reached a level of dissatisfaction with our careers. It was time for a major change. It was time to slow down, work less, and enjoy more of life! This would not happen by accident. We made a plan. After some months of research, Ecuador emerged as the location for our next chapter. Having spent many years in Alaska…
Few countries can boast so romantic a history, so pleasant a climate, so friendly a people, and so dynamic and modern an economy as Panama. Panama City is the largest offshore and regional banking center south of Miami, serving all of Central and South America. The country has more than 80 well-regulated banks, 50 of which are multinationals, that collectively hold an estimated $100 billion in assets, with liquidity impressively high at an average 30%—far better than in the U.S.