international living's retirement index 201414

International Living's 2015 Retirement Index

The Worlds Top 10 Retirement Havens

Dear Reader,

Where in the world is the best place to retire? Mexico? France? Thailand?Maybe, Italyor Ecuador? The list of possibilities is endless. And it is all, ofcourse, based on personal preference. One mans paradise can be another manshell.

We here at International Living have been in the business of scouring the globefor the best retirement destinations for over 30 years. We know a goodretirement location when we see one. And thats where wed like to help you.

The world is always changing. And opportunity shows itself in new places all thetime. Thats why every year we take stock of the climate, cost of living, safety,infrastructure, accessibility of health care, and more, to compile our AnnualGlobal Retirement Index. We look specifically at the best opportunitiesworldwide for retirement living.

How does International Living determine its rankings? IL editors compile,weigh, rank, and rate a series of criteria including cost of living, infrastructure,health care, ease of integration, real estate, special benefits, climate, etc. This isa qualitative assessment based on real-world data gathered on the ground.

In this report we give you our top 10 Retirement Havens and the reasons whywe think these are the best places to consider if you are planning a retirementoverseas.

Yours sincerely,

Jackie FlynnPublisher, International Living

P.S. Our full and complete 2015 Retirement Index is available in the pages ofour monthly publication International Living Magazine and on our informationpacked website.

Follow this link to find out how International Living can help you find your topretirement haven and live a happier, healthier life today.

#10: Thailand

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Picture yourself wandering through gilded temples...exploring Bangkoks hiddencanals by long-tail boat...riding an elephant down jungle trailsmeeting Hmonghill-tribe villagers, and treasure-hunting for hand-loomed silk, teakwoodcarvings, and exotic curiosall at a fraction of the price youd pay back home.

Now lets spin the kaleidoscope to white-sand beaches, swaying coconut palms,and an evening chorus of cicadas. Rising from jade and turquoise waters arescenes from an oriental fairy tale: a myriad of islands girdled by coralgardens...bizarre limestone outcrops smothered in spinach-greenvegetation...incredible sunsets with a slow-burning sun dipping into the sea likea giant red lantern.

Thailand has a lot of options. Some foreign retirees choose to live in the hubbubatmosphere of Bangkok. Some live in the north of Thailand where life is quiet,peaceful, and very inexpensive. Others choose the south for its beautifulbeaches.

Living in Thailand is unbelievably cheap. There are many places where you candine well and still leave the table with change from $5. In fact, go north, andyoull also find that 20-baht noodle stalls still existthats just 60 cents!

You can rent a really nice place just about anywhere in the country for just $500a month. We know of one expat who pays $222 a month for his beachsidebungalow with air conditioning, hot water, and Wi-Fi. A full check-up in amodern hospital by an American-trained doctor will cost you less than $40.

#9: Portugal

One of the smallest countries in Europe, Portugal is one of Europes best-keptsecrets. Many fall in love with this little country due to its near flawless weather,abundance of golf and water sports, and superb fresh food.

The relatively low cost of living is also a big draw for those who choose to livein Portugalcompared with other European nations, goods and services are stillbargains. The locals are warm and welcoming to foreigners making living herevery enjoyable.

If your dream European retreat includes golden sand beachesalmond grovespicturesque castlesand little frontier towns on wooded hilltops then Portugal is



the place for you. Slumbering abbeys, pilgrim shrines, and ancient castle townsare dotted inland while traditional fishing towns of narrow alleys and old housesstand proudly on the coast.

A two-bedroom house on The Silver Coast can be bought for $96,000 while thesame price could get you a three-bedroom house with a yard among the olivegroves and vineyards of Alentejo. Rental properties vary in price from $190 to$918 per month depending on where you are in the country. In cosmopolitanLisbon expect to pay on average $900 for a one-bedroom property, while in thesmall town of Estremoz $200 will get you a two-bedroom home.

Living in Portugal is relatively cheap compared to its European counterparts.Utilities usually run from between $110 and $150 a month including water andgarbage. You can still get a coffee for 75 cents and a three-course meal atlunchtime, often with a carafe of table wine, will cost around $12.

Romance, culture, and adventure awaits you in your ideal spot in Portugal.

#8: Colombia

Located at the tip of South America, Colombia is where the Pacific and theCaribbean collide with the Andes and the Amazon. Its a country that is morebeautiful, dramatic, and diverse than nearly any other. It offers sparklingcolonial cities in the highlands and world-famous (and safe) resorts along theCaribbean. Cartagena, a walled colonial city on those turquoise shores, is one ofSpanish Americas most beautiful enclaves.

Whats more, Colombia boasts beautiful areas where the cost of living is thelowest youll find anywhere in South America. Just three hours from Miami,Colombia welcomes non-stop flights into Bogota, Medellin, and Cartagena.

Colombia has a lot to offer International Living readers. Critical thingslike lowcost of living, inexpensive properties, and a colorful and diverse culture. Thereisnt a single segment of the IL membership concerned with climate, culture,and lifestyle that couldnt find their niche in Colombia.

Colombia offers something that will appeal to just about everyone. And youllfind that Colombia is a more-developed country than most in Latin America,with the infrastructure, modern products, and services youd expect in a countryon the move.

Colombia can offer you a sophisticated, modern, urban scene or a cabin in aremote section of deserta colonial walled city by the sea, or a sleepy Caribbeanbeachside townspring-like weather high in the Andes, steamy tropics, or theperfect weather in betweenNorth American enclaves or indigenous outposts.Unless youve got your heart set on snow, youre almost certain to find yourideal spot in Colombia.

#7: Spain



Picture a sun-drenched, white house with a shady courtyard, perched on a cliff-top site in Spain. With the deep blue sea beyond and an olive grove nearby, itsthe stuff of which fantasies are made.

Beachesmountainsfabulous citiescracking festivals, and, of course,guaranteed sunshine. Its not surprising that Spain is the most popular countryfor Europeans seeking a home overseas.

First, theres the culture. From the Neolithic cave paintings at Altamira to thePhoenicians, the Romans, the Visigoths, and Moors, Spains roots are rich andmulti-layered. In Spain youll find stone hamlets clinging to the Pyrenees greenslopes, sun-baked villages in La ManchaDon Quijotes territory cheerfulseaside towns, and dreamy Moorish palaces. The food and wine are superb,there is a fiesta someplace every day, and siesta (with a long, leisurely lunchpreceding it) is still a custom.

Many retirees flock to southern Spains beach towns. The Costa Blanca andCosta del Sol have large expat communitiesand English-speaking services thatcater to them. English isnt widely spoken in all of Spains 17 regionsbut youcan manage with only a smattering of Spanish in many resort towns along theCostas.

And these towns are a great jumping-off point for exploring the rest of thecountry, one of Europes largest and most diverse: Madrid, with its world-classmuseums; the vast interior, with its endless plains, sun-baked villages, and spiritof Don Quijote; and northern Spain, with its rolling green mountains and rockycoast.

Northern Spain is famous for the pilgrim route, the Camino de Santiago, as wellas being one of Ernest Hemmingways favorite European haunts. This part ofSpain has a lot to offerthe stunning Pyrenees, the beaches of the Basquecountry, bull running in Pamplona, and a quality and cost of living that is nearimpossible to beat. This is also Spains wine country, so if you enjoy the oddtipple, youll be in heaven here.

#6:Malta

Dont be embarrassed if you cant pinpoint Malta on a map. Its not oneveryones radar, and mostly unheard of by Americans. Malta is anchoredalmost in the center of the Mediterranean Sea, 60 miles from the Italian island



of Sicily, which is linked to Malta by a regular 90-minute ferry service. There is amodern airport at Luqa (on Malta) with flights to numerous other Europeancountries. Rome is just one hour away by plane.

The Republic of Malta isnt a solitary island, but an archipelago of three islandsand three islets. Not surprisingly, the names of the islets mean nothing to mostpeople, as they are little more than rocks in the ocean. (In case yourewondering, theyre called Filfla, St. Pauls Island, and Cominotto.) Filfla wasused for target practice by the British navy, so it is probably even smaller than itused to be. While Comino is classified as one of the three islands in the Maltesearchipelago proper, it is also minuscule: just a few square miles in size andhome to just one summer-season hotel and five farming families. However,there are 31,000 people living on the green and rural island of Gozo. This islandis one of the best-kept secrets in the Mediterranean, a place where time reallydoes seem to have stood still.

Until independence was granted in 1964, Malta had been a British colony for150 years. Many trappings of the Empire remain: scarlet phone-boxes, blue-lamp police stations, pillar-boxes bearing Queen Victorias insignia, cricket andbowling clubs, caf s serving warm beer and roast beef dinners, troops of neatlydressed boy scouts, driving on the left-hand side of the road...

And theres no language barrier here. Just about everybody on Malta speaksEnglish as well as Maltese . Both are official languages. Similar to Arabic, butwritten in the Latin script, Maltese is a Semitic language. It also embraces bits ofFrench and Italian.

#5:Costa Rica

If youre ready for la pura vida, the pure life, you might want to consider aCosta Rican retirement. This country of just over 4 million is tucked betweenNicaragua to the north, Panama to the south, the Pacific Ocean to the west, andthe Caribbean Sea to the east.

Costa Rica has a lot going for itits a nature-lovers dream, with green-carpetedmountains, oh-wow volcanoes, and that blue, blue ocean.

Its got top-quality, affordable health care and is known as one of LatinAmericas most peaceful nations (it has enjoyed over 60 years of uninterrupteddemocratic rule). Costa Rica has a wide variety of inexpensive housing, alongwith a wealth of every imaginable activity to keep you busy and happy.

Long stretches of deserted and undeveloped beaches, on the Caribbean andPacific Coastsdense jungles teeming with exotic wildlifetowering volcanoes,lush green valleys, and hundreds of crystal-clear lakes, rivers, streams, andwaterfallsmesmerizing sunrises, sunsets, and star-filled evening skiesallthese things, and much more, are drawing people to Costa Rica.

Columbus called Costa Rica the rich coastand it still is, with Caribbeanbeaches and Pacific shoreline thatll take your breath away. But this nation hasmuch more to offer, too: a year-round tropical climate, modern cities,rainforests, lush valleys and majestic mountains.

With its slower pace of living, warm, welcoming climate, healthy, fresh foodsand reputation as one of the greenest, cleanest countries in the world its no



wonder Costa Ricans are considered among the happiest people on the planet.

#4:Malaysia

Conjuring up all the mysteries of Asia, Malaysia is a former British colony. Thesultans, head-hunters, pirates, and gin-swilling English rubber planters of theVictorian age have long since gone, but the country remains as colorful as ever.Beyond the lofty skyscrapers of the capital, Kuala Lumpur, its dramatic canvas isembroidered with tropical beaches, mountains, dense rainforest, and vividlygreen tea plantations.

Influences from across Asia and beyond have melded together here to create anextraordinary cross-cultural melting pot of customs, dress, architecture, andcuisine. Along with foreign expats from around the globe, the country is hometo Malay Malays, Chinese Malays, Hindu Malays, and Sikh Malays.

The countrys diverse ethnic mix makes being a stranger here easy. Whether youlive in bohemian Penang or Kuala Lumpur, the countrys hip capital, youll meetfriendly locals who are happy to stop and chat and welcome you into theirhome. People are accepting, just ask the international mix of expats all on thesame journey as you, and happy to share.

You certainly wont go short of anything in Kuala Lumpur (KL), or the otherpopular expat hangout, Penang Island. Malaysia has both public and privatehealth care with medical expertise on a par with western countries. Mosthospitals and health care facilities are staffed by English speaking professionalswith international qualifications. Internet coverage here is on a par with servicesin France and Italythe cost of living is cheap and its easy to live here (Englishis widely spoken). And with some of the worlds most stunning white-sandbeaches, theres a lot of like about Malaysia.

#3: Mexico

With its moon-lit fiestas, languid white-sand beaches, ancient colonial towns setin the rugged SierrasMaya pyramids rising from the misty Yucatan junglelittle silver mining towns where the winding streets seem to run straight up intothe cloudsweekly markets where just a few dollars can fill your shopping bagto the brim with fresh fruits and vegetablesfishing villages where the boatsland in the morning with the giant snapper youll have for lunch, sauted withgarlic or simmered in a Diablo sauce that will make you call out for another ice-



cold cerveza. Or buy the whole fish right off the boat for a few bucks (plus the50 cents you pay the fishermans son to carry it home for you) and cook ityourself.

Its no wonder so many retirees are starting new lives in Mexico.

Whether your vision of the ideal retirement involves shopping, fishing,sunbathing, diving, biking, mountain climbing, parasailing, collecting crafts,visiting archeological sites, partying, going to concerts, attending the theater, orfine dining in Mexico has all of these activities, and more.

Stately Spanish colonial cities in Mexico are steeped in tradition, and soaringbaroque church spires overlook gracious squares. Here you can dine in elegantcafs, and browse upscale shops on the very spots where the heroes of theRevolution declared independence from Spain and forged a new country. For allthese reasons, and many more, Mexico is one of the worlds top destinations forthose dreaming of a relaxed and romantic new life abroad.

Wherever you go in Mexico, the people will charm you, the natural beauty willseduce you, and the remarkably affordable cost of living will entice you to stay.

Whether your dream retreat is a graceful colonial home with lavish gardens, asimple beachfront bungalow where you can prop up your feet on the rail andwatch the tide roll in, an expansive hacienda with enough acreage for horses toroam, or a cliff side villa with sunset views and cool, steady breezes, you arelikely to find it in Mexico.

Whatever your motives for settling in Mexicowhether you hope to escape thefast pace of life up north, enjoy a better lifestyle for less than youd pay athome, or discover a safe haven where the crime rate is low and you can enjoy asmall-town existenceyoure likely to find your quality of life improved in thiscountry.

#2: Panama

When it comes to attractive retirement destinations, Panama is at the top of ourlist. Its the only country in Central America with a true First World city. Butunlike most South American capitals, Panama City is only two-and a-half hoursby plane from Miami. (And lets not forget that, unlike some places closer to theU.S. border, Panama is hurricane free).

No matter your taste in lifestyle, Panama has something to suit you. You couldchoose to live in a sleepy mountain townor by a tropical beach listening to thecalls of parrots and toucans. You could take in a play, see an opera, or samplethe finest cuisines in a First-World, culture-rich capital cityor tend to your ownorganic farm in a little rural village

The best part is, wherever you choose to live in Panama, a change of scenery isalways on your doorstep, should you want it. Though its smaller than SouthCarolina, Panama packs a surprisingly large variety of landscapes into one tinycountry.

Panama offers a very comfortable retirement solution, in part because the nationis much more developed than most visitors expect. Many are shocked by themodernity of Panama and the clusters of skyscrapers that define Panama Citysskyline. All of the amenities one could wish for are readily available.



In Panama, you will enjoy the benefits of a developing economy where you canstill take a taxi across town for a buck or two, get your haircut for a couple ofdollars, or enjoy dinner for two with a bottle of wine at one of the finestrestaurants in Panama City for a mere $40. There are also lots of activities foryou to enjoy, from jazz clubs to art openings to English-language theaterperformances. You may be wondering what you will do when you retire...but inPanama, you will never find yourself bored.

Outside the city you will find the true treasures of Panama. There are beautifulbeaches everywhere, with the Atlantic Ocean on one side and the Pacific on theother. But theres more to Panama than a sophisticated city and gorgeousbeaches. There are rolling green tropical mountains, fertile farmlands, lushrainforests, and small towns where foreign visitors are made to feel like family.There truly is something for everyone in Panama.

Panama is safe, stable, and friendly. And it boasts the best health care andinfrastructure in Central America. But these are only the bold headlines. As youtake time to learn more about Panama, youll find it keeps looking better andbetter. Its climate is unrivalled in the world, with tropical rain forests, temperatemountains, and warm, tropical white- sand beaches. Its wildlife is abundant,with most of the bird species in North America, and its pristine natural setting isan eco-tourists dream. No wonder that the Smithsonians Tropical ResearchCenter is located in Barrio Colorado.

And then theres the countrys famed Pensionado Program, which helped putPanama on the map as a retirement destination in the first place. Regardless ofage, you just need a government or corporate pension of at least $1,000 permonth and residence here is yours. This government-backed program willvirtually pay for your retirement. It helps subsidize your hospital visits andmedicine, sales tax on your car, and property tax on your house. It provides forheavily discounted travel. Your food is cheaper in restaurants and so are yourhotel stays and theatre tickets.

And the winner is..

#1: Ecuador

From snow-capped volcanoes to dense Amazon junglesun-drenched Pacificbeaches to the famous Galapagos Islands, Ecuador offers something foreveryone and at prices unheard of for years in North America and Europe.Whether you want to live, invest, vacation, retire, or simply relax in Ecuador,youll find the perfect combination of climate, culture, and affordability to makeyour dreams come true.

In Ecuador the weather is always perfectabout 77 F during the day and 50 Fat night. In a single days drive, you can go from a sophisticated city with truecultural appeal to a tranquil pine-studded mountain hideawayor an alpineretreat where you can bask in warm thermal waters under a starlit skyor lushrainforest jungles full of exotically colored birds and flowersor pristine beacheswhere the only footprints are yours.

Its hard to pinpoint the best reason for coming to Ecuador. Its breathtakingnatural beauty is certainly a huge draw. But the real clincher for most people isthat it is an incredibly affordable place to live. Whether you decide to live in the



bustling capital of Quito, the pretty expat favorite of Cuenca, or on the shores ofthe Pacific in one of the countrys many beach towns, youll find that yourmoney will go a lot further than it does at home.

There are so many benefits to living in Ecuadorlow cost of living but with nolifestyle sacrifices, affordable real estate (whether youre renting or buying),good-quality, inexpensive health care, and a quality of life thats hard to beat.

Ecuador is gentlesafehealthyprivatecivil. As one expat put it: Its like weare living in the U.S in the 1950s. Youre guaranteed a quality of life that justplain doesnt exist anymore in the States. Up north, violence, materialism, andincreasingly intrusive government policies have whittled away the last vestigesof the American Dream. Yet here youre guaranteed a truly extraordinarylifestyle. And that makes Ecuador the perfect place to retireor reinventyourself. Youll find like-minded company when you do.

All of these things combined, make Ecuador our 2015 Annual GlobalRetirement Index winner.

Making money overseasIf youre interested in finding a way to fund your life overseas, there are a wholehost of jobs that you can do from anywhere in the world. These are jobs thatyou can do from the front porch of your beach housejobs that allow you towork in the morning, leaving the afternoon free for relaxing, reading,snorkeling, sailing

These days, the world is more interconnected than ever and the possibilities fora portable paycheck are almost never-ending. You dont need an MBA orthousands upon thousands of start-up cash to create a business for yourself thatcan easily fund your life overseas.

Free Fund Your Life E-letter & Report:

If you'd like to learn more about flexible, work-anywhere ways you can pay foryour life overseas, sign up for Fund Your Life Overseas, a free e-letter fromInternational Living.

Join our Fund Your Life Overseas e-letter today, and you'll hear from us fivetimes a week, telling you about ways to earn income that lets you liveanywhere, travel anytime and give you the funds to make your overseasdream real.

Just enter your e-mail address below and we'll also send you a FREE report:Fund Your New Life Overseas With These 6 Portable Careers.

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Here are just some of the ways you can earn an income overseas:

Travel writing: Of all the kinds of writing you can dofiction, academic,marketing, technical, etc.travel writing is the most funand the mostrewarding. Perhaps you already took a long vacation this year. You might find ithard to explain to that voice in your headthe one that monitors your bankaccountthat youre going to take another. But if you can make enough moneyselling a story about your trip to cover its costor at least defray, say, the costof the airfarewell, then, that is not such a bad arrangement.

Take Sandra Kennedy. She retired from teaching and wasnt sure how shedkeep myself busy. But now here she gets paid to travel, take pictures along theway, and write about what she recommends other people do and see. She findsit hard to believe its even a real job!



Sandra has stayed at lavish haciendas, eaten the freshest foods in Ecuador,gotten to know the smiling, helpful locals. Shes been to a Shaman healingceremony, rode horses in the Andes and learned to weave. And then she satsipping fresh mango juice, relaxing by the pool. Sandra takes notes and photos along the way and spends a few evenings writingup her impressions while theyre fresh in her mind. Once shes back home, sheputs them into proper sentences and then finds an editor who will pay her forthem.

Five-years on, and Sandras portfolio is filled with travel articles andphotographs from Chile, Ecuador, Guatemala, Portugal, Uruguay, Argentina,Alaska, Maine, Oregon and Washington. And many of those articles came out oftrips she enjoyed for next-to-nothing or even free.

An online business: Did you know that theres a great way to make moneyfrom the comfort of your own home anywhere in the world, doing exactly whatyoure doing now?

When Larry and Beatriz visited Medellin, Colombia they fell in love and knewthey had to live there.Luckily for them, they were easily able to use their existingskills to create a business opportunity that translated from Coral Springs toColombia.

At first, it was every two months. Then once a month. But that wasnt oftenenough for Larry Snyder. So in 2008 he packed his bags, and he and hisGerman shepherd, Hans, took a one-way flight to Medellin, Colombia.

I started traveling to Colombia with my girlfriend Beatrizwhos now my wife.She was making frequent trips for her clothing business in Florida. My work as anurse in the Coral Springs E.R. meant I could schedule six days back-to-backand then take eight days off, Larry says.

Beatriz started her own clothes manufacturing company in Colombia and Larryhad an online business offering continuing education to nursessomething hecould run from anywhere. So he went back to America and cleaned out thehouse.As a registered nurse, Larry knows about health care and hospitals so heturned his existing skills into an online business he can run from anywhere. Andhe couldnt be happier.

Photography: Walk into your back yard, kneel down, and snap a photo of aflower in your gardenor capture a shot of your grandchildren playing with afootball. Did you know that these photos could earn you $25$50even $150or more for each one?

Imagine if, every time you went on vacation, with your camera in tow, youcould make up to $800 for those pictures you snap.There is no great secret tobreaking into photographyeven if you have no experience and only use asimple point-and-shoot camera, it can still be a way to fund a new, morerelaxed, and fun lifestyle.

Photos are used everywherenewspapers, magazines, billboards, websites,technical manuals, and almost any published material. Someone has to takethose pictures. Why shouldnt that someone be you?

Take David Morgan. He wasnt any hot-shot photographer when, with a Vivitarcamera in hand, he traveled across Asia for six months. He dined with the PrivyCounsel to the King of Thailandmet the late Mother Teresaand shook handswith the Dalai Lama. He took a week-long, four-wheel-drive journey acrossTibet. He went trout fishing in a pristine mountain stream in Bumburet, ahidden valley in the Hindu Kush. He also got to see secret religious ceremoniesrarely witnessed by outsiders.

The icing on the cake was that he found a textbook publisher who needed thephotos from his trip. Not only did his connections save him money, but heactually made moneyover $6,000! Whats more, a few years later, thepublisher offered to pay him again when the book went to a second edition.

Photography really can open up the world to you. As a working photographer,you can pickup-and-go any time you chooseget on a flight to any number offar-flung destinationsand enjoy the freedom of the photographers life.

A money-making website: The Internet is one of the most powerful money-making tools you could ever hope to have at your disposal. Sure, its useful for



staying connected and keeping on top of whats happening in the world, butbeyond that, it holds the key to a global market place that you can tap into withfantastic results.

A few years ago Nick Osborne decided to try his hand at creating a website thatwould make him some extra money. His idea was simply to create aninformational site that would make money through people clicking on ads andother money-making links. Here is Nicks story:

When it comes to retirement income, I want the money coming in, regardlessof where I live.Having a money-making website gives me that flexibility. I can do this fromanywhere in the world. All I need is a laptop and an Internet connection. If Ichoose to retire abroad permanently, I just have to make sure I have Internetaccess. And if I decide to spend a year or more traveling the world, I can justplug in at hotels or cafes along the way.

I didnt want to go into business and have to source and ship products, ordeal with customers. I just wanted to write informative pages, and make somemoney with ads.

The site I created was CoffeeDetective.com. As its name suggest, its aboutcoffee. Im not a coffee professional, and have never worked in the coffeebusiness. I just like coffee. I wanted to write about something that interestedme, and see if I could make some money along the way. The site has been upfor almost five years. It now gets over 3,000 visitors a day. And this month itlooks like the site will be making me about $6,000.

Copywriting: Why exactly did you buy a whole caseload of nutritionalsupplement made from the oils of mold-infested Bolivian tree bark? Spend$3,000 to drink foul-tasting mares milk whilst undergoing the Spartan regimeof a yoga retreat in Outer Mongolia?

Undoubtedly, it was because some devilishly clever person persuaded you to. Itwas something that you simply had to have...had to experience.

The big earners of the writing market are copywriters. Effectively dream sellers,many of them can earn fantastic money. By writing letters for the direct mailmarket (you and I might call it junk mail or spam), they persuade consumers tobuy companies productshealth products, financial products, self-improvementproducts, and travel products. You name it, and you can bet theres a copywriterinvolved somewhere along the line.

Hospitals use copywriters, charities use copywriters. Whenever a business ororganization needs to pro-mote itself (through a press release, leafleting, online,a newsletter, or other forms of media), it also generally hires a copywriter.

Paul Hollingshead went from making $6.50 an hour stacking shelves in agrocery store to making $400,000 a year as a copywriter. Paul works a fewhours a day. He writes one, maybe two letters a month. Recently, he movedwith his family to a little historic town in the Vermont countryside. He have nobosses, no commute. He writes from a little cottage steps from his house, wherehe is surrounded by peace and quiet. For a break, he says hell walk over to theold Inn across the street for lunch...grab a coffee at the local market...

A top-notch copywriter can easily command $8,000 per letter. Imagine getting$96,000 in fees each year just for writing 12 letters. But thats only the start ofthings. But, before you get carried away, note that not all copywriters earn quiteas much. To get a six-figure income, youll first need to establish a track record.Of course, there are many countries in the world where that kind of money goesa long way. And again, its another wonderful career you can do from anywherein the world.

7 Great Retirement Towns YouveNever Heard of

Retirement these days the message is always: Work longer scale back yourplans or never retire at all.

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7 Great Retirement Towns You've Never Heard of

Copyright 2015, International Liv ing Publishing Ltd., Elysium House, Bally truck le, Waterford, Ireland. A ll rights reserved.No part of this report may be reproduced by any means without the express written consent of the publisher. Theinformation contained herein is obtained from sources believed to be reliable, but its accuracy cannot be guaranteed.Registered in Ireland No. 8285214I.



International Living's 2015 Retirement IndexThe Worlds Top 10 Retirement Havens#10: Thailand#9: Portugal#8: Colombia#7: Spain#6:Malta#5:Costa Rica#4:Malaysia#3: Mexico#2: PanamaAnd the winner is..#1: EcuadorMaking money overseas7 Great Retirement Towns Youve Never Heard of

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