MOVE OVERSEAS

Retire Oveseas School

Wed, 19 Jan 2022 14:56:46 GMT

Get in Line Right Now for…

The Retire Overseas School

Get Your Own Roadmap to an International Life

So You Can Enjoy More, Spend Less, and Live Better…Whether You Long for a Full-Time Escape, an Annual Summer Adventure, or Anything in Between

Dear Reader,

I'd like to invite you to participate in a special project that hands you a quick, easy, fun way to embrace a richer life overseas.

It's a tried-and-true way to put a truly resilient retirement plan in place, so that you can withstand the ups and downs and the unexpected—and still enjoy the comforts of a good life.

And we’re opening the doors for the next few days only.

It's really only suitable for a small number of our readers, but I'm talking about it here because I believe you may be among those who qualify.

Over the last few years, we've “trial-run” this project with a limited number of subscribers to great success.

Now, we’ve just updated and expanded it—and we'd like to open the door to a few more savvy folks, you among them…

That's why for a limited time we're inviting an exclusive group of readers to join what we call The Retire Overseas School—at half off the regular price.

It effectively gives you your own “go-overseas mentor,” making it easier, faster, and more straightforward to figure out your best path abroad.

I'll explain what it's all about in a minute.

But I should say up front here, first, that this is not something we'll "advertise" widely.

So if you'd like a chance at being one of the select few who benefit, stick with me here for just a few minutes, and I'll fill you in on all the details.

For starters, a quick question…

What would you do if you could spend your time any way you like?

No commute, no crazy boss, no long hours in the office…no cold weather, no winter coat…

Just you enjoying days that look the way you want them to look…in a place where you love to spend time.

Maybe you'd read lots of books—or write one…sail…paint…fish…learn a new language…golf…dive…travel for weeks or months at a time…

Now imagine if you could have that freedom to relax and the time to pursue your interests…

…PLUS have all the funds you need to afford that dream lifestyle…

Just think about what that would feel like.

You could have more fun…lower your stress level…feel healthier…and live comfortably in the knowledge that you wouldn't run out of money.

Now most folks will tell you that what I've just described is a pipe dream.

"It's a rich man's retirement," they'll say.

And off they'll trundle, back to the grindstone.

It's not surprising, really.

The vast majority of Americans have saved nowhere near enough to support a comfortable retirement Stateside.

So they're working longer, scrimping to save more, and resigning themselves to a lifestyle that's a lot more frugal than the one they'd hoped for.

But There's Another Way…

What I'd like to show you today is how—in the right places overseas—you can enjoy a very good life in retirement, no matter how modest your bank balance may be.

I want to show you how you can create a resilient retirement.

In all kinds of places beyond our borders—beach towns, mountain villages, university cities, even big metropolises—you can spend less and live better.

That's the simple truth.

From Latin America to Southeast Asia to Europe—safe, welcoming, good-value places exist today…

Places where the climate will suit you…

Where you'll find the activities and distractions you enjoy…

And where the price to afford a good life is a small fraction of what your lifestyle costs you today.

Doesn't matter if you like the idea of decamping full-time or if you'd simply like an annual three-month holiday.

I'm talking about places where a couple can live comfortably for $1,650 a month (or even less), rent included.

On a budget of $2,500 to $3,600 a month, you and your spouse could live like royalty.

It means you could afford to do things like…

Have a housekeeper, a gardener, a personal chef, or even a private driver…so you free up plenty of time to do what you enjoy…
Join the local country club to golf and socialize…and revel in the perks of a rich man's lifestyle…
Eat out anytime and never feel guilty about it…
Treat your grandkids to a special trip just with you and create memories that last a lifetime…
Enjoy access to excellent, low-priced healthcare and stop worrying about what happens if you ever get sick…
Own a vacation home in a beachtown you love to visit...or a high-ceilinged apartment in a cosmopolitan city like Paris or Porto, and rent it out when you’re not there so it pays for itself...

I'd like to show you how (and where) you can do that…and help you get there fast, easily, and enjoyably, too…

What "Live Rich, Spend Less" Can Look Like

You might choose to spend time surrounded by the white sand, palm trees, and turquoise waters on the last affordable island in the Caribbean…

…where you can own your own place on the sand for as little as $160,000…

Or try on for size a two-bedroom condo a 60-second walk from the Pacific.

It looks like California (only it costs one-tenth the price)…so instead of a million or two, it could be yours for as little as $150,000…

Or maybe you'd like the sophisticated attraction of the "other" Switzerland—a big-value destination that offers far greater financial privacy than the States does…

…where taxes are negligible, and you can live a very "European" lifestyle.

A 2-story, 2-bedroom cottage with a carefully landscaped garden could be yours for just $220,000…

Then there's a university city that's been called "a kind of paradise," where cobblestone streets wind their way toward grassy riverbanks.

You don't need a car here…and the weather is agreeable year-round-lows in the 50s, highs in the 70s.

In this place, there's always plenty to do…symphony concerts…art and history museums…archaeological attractions…galleries…even a planetarium.

And a couple could live very comfortably here on as little as $21,000 a year, housing included.

Those are just four of the hundreds of good-value options you have around the world today.

But retiring overseas isn't just about stretching your dollars and creating a retirement that’s resilient.

The way I see it: That's simply the means to a better end.

Fundamentally, this idea of living a more international life—it's about improving your quality of life.

It's about living a richer life.

It’s about having the time to do what you want, when you want, with the people you enjoy spending time with.

That's what the big benefit is.

The Life You Pick…Not the One You're Handed

In the right places overseas, you can stop worrying about how you'll afford the life you want.

Instead, you can gain control over what your days looks like and start enjoying them in a way that you choose.

So you're not at the mercy of the retirement that gets dumped in your lap.

Instead, you gain the power to live the lifestyle you imagine in your mind's eye.

If you're looking for a little more adventure…an opportunity to meet new people…try new things…rediscover passions you'd forgotten about…

Then you're going to like this unusual enterprise we call The Retire Overseas School.

It's designed to "hold your hand" and help you embrace the good life abroad—in a way that's both tailored just for you…and also fast, easy, and fun…

Because life overseas really can be FUN.

As one expat we know put it...

"For a long time, 'fun' had not been a big enough part of our lives, so we adopted a slogan that continues to serve us well—Porque no?, which in Spanish means 'Why not?'

"By saying 'yes' as often as possible, we have been blessed with so many incredible friendships and adventures.

"We've headed out of town on buses not even sure of our destination, gone to so many amazing parties, and met so many interesting people.

"Living abroad has taught us to get out of our own way and not futilely attempt to be in charge of every detail.

"By knowing what we want—yet being open to all possibilities—people, events, and circumstances have regularly (and unexpectedly) made our lives more fun and enjoyable."

Spending time abroad opens the door to a kind of adventure that's hard to create at home these days.

I say that because it's easy to "get in a rut" and do what's expected…to proceed apace because you're in the habit of it.

In the wake of the pandemic, so many people—maybe you among them—are taking stock of where they are in life.

And lots are concluding: Something has to change.

I am sure I’m not alone watching the markets plummet this past week and thinking: “I’ve got to make sure I’ve got a viable plan in place that will allow me to retire with confidence (and comfortably) and not end up a burden on anybody.”

A like-minded friend of mine I was talking to about this added, “I want to ensure my kids and their kids will be OK, too. And that might well include an escape plan—not just for me in the short term, for retirement—but so I can lay a path for others in my family to follow, should they want (or for that matter, need) to in the years ahead.”

The Retire Overseas School can help make that change a reality for you.

It’s a way you can inject some excitement into your life…shake things up a little…

Going overseas does that for you…automatically.

You don't need to be rich and famous to do it.

And you don't have to upend your life entirely, either…there are lots of ways you can live internationally…

You could—

Take up the snowbird lifestyle on the French Riviera. Skip the snow back home and rent an apartment for the winter at the beach. Enjoy the coffee and croissants at the café on the corner…learn to live like a local…make new friends…take a cooking class…explore the little villages nearby…and do it all for less than it would cost you to stay home…
Try out a tropical island—housing for free. You might pick a tranquil spot where you can watch the sun set into the Caribbean Sea…in this place I'm thinking of, there aren't any traffic lights, fresh lobster goes for less than $8.99 per pound, horses roam the streets, and kids walk home from school on the airport runway.
Escape to a history-rich haven in Southeast Asia where the street food is renowned, artists are flocking, and nearly everybody speaks English. Here you could rent a splashy 2-bed condo with a water view for less than $800 a month—in a nice neighborhood with beaches and where shopping and restaurants are within easy reach.

What You DON'T Need to Go Overseas

Here's the thing: A lot of thoughtful folks like you who are interested in a wider world, curious about the opportunities out there…

…they won't ever actually take the steps to embrace those opportunities.

They might read about places they'd like to go. They might talk about them at cocktail parties.

Yet for them this kind of exciting, travel-rich life is always a "someday" sort of thing…a "wouldn't it be nice" fantasy…

For you…it really could be your reality.

That's what The Retire Overseas School is designed to do…

…to take you from that "wouldn't it be nice" stage to actually living your dream life abroad.

Retiring overseas is a lot more accessible than you may think…

You do NOT need a six-figure income or hundreds of thousands in the bank…
You do NOT need to upend your life entirely and sell everything you own…
You do NOT need to speak another language…
You do NOT need to know already where you want to go…
You do NOT need to have the answers to every question about life overseas that pops into your head…

Where Life is Simpler and Easier

Living overseas can make your life a lot easier—and more pleasurable, too.

I say that because in the right places overseas life is just simpler…

Instead of the crazy pace…overseas you can slow down and savor life.

Dawn, an expat we know living in a Mediterranean town, is doing just that.

Now you might assume it's expensive to live on the Med—but not where she is in Spain.

Rent on her large 3-bedroom apartment is just $448 a month, a two-course meal with a bottle of wine can be had for $9, her combined phone, internet, and international TV package costs just $81 a month. As she puts it…

"I found life in the U.S. to be money-driven and stressful. Contrast that with the quality of life in my beautiful, new hometown…

"The low cost of living and the high-quality lifestyle means I can fill my days doing what I want. Mornings start with a Zumba class…

"I spend my afternoons enjoying a typically late and long lunch (almost always eating one of the many delicious fish or seafood choices).

"I may take my dog to play at the new dog park or take a siesta.

"As night approaches, I'll head out for an evening drink or meet up with friends to talk and dance… I've realized my dream of a simple, fulfilling life."

Bonnie, another expat we know, echoes the same sentiment from a little-known beach town in Latin America she calls home…

"I can live on about $1,000 (or less) a month…and I'm not scrimping. In fact, I can enjoy more here than I could in the U.S. when I had a great salary.

"I eat out when I want…travel around the country…visit the U.S. once a year…and generally have a better quality of life. The big stress factors of the U.S.-traffic, keeping up with the Joneses, and worrying about money, don't exist.

"Life here is easy, peaceful, and happy every day."

In many places beyond our borders, the pace is saner.

It harkens back to a simpler time.

Walter moved to Mexico, and he sums it up this way:

"Life here is like it was in the U.S. in the 1950s—simple and laidback. The significantly slower pace is probably the biggest benefit of daily life here. We eat better, we get more exercise, and our health has improved."

Slimming Down—Effortlessly (A Pleasant Side Effect of Life Abroad)

…which brings me to another benefit of life in the right places overseas:

It's better for you.

How would you like a diet plan that sees you shedding pounds without even trying?

You'd be amazed at how often readers who've landed abroad write to say that they've slimmed down—a happy side effect of life abroad…

And, really, it makes sense. After all…if you're living in a place where the weather is nice, you want to be outside more.

So that's what you do—you go outside…and you walk or snorkel or hike or swim or ride your bike.

In lots of places we recommend, you don't need a car to get by.

And that means you walk to get groceries more often than not or when you head to a restaurant for a meal.

Armand, a transplant to Las Tablas, Panama, says, “We have dropped an incredible amount of weight. And we’re not even eating as healthy as we ought to.”

Harry and Barbara report a similar experience since they moved to Grecia, in Costa Rica’s Central Valley. They’ve found that living like the locals—shopping at the local farmers’ market for fresh fruits and vegetables, for example—allows them to cut their monthly budget to well under $2,000. And, as Harry says, “I’ve lost 30 pounds since moving down [here].”

It's easy to be active.

And it's easy to eat well, too.

While processed foods certainly exist in the places we recommend, they're usually more expensive than the produce you'll find in the market.

So it’s cheaper to eat healthier.

In most places on our beat, fresh foods are grown without pesticides and chemical additives.

The milk, cheese, and eggs come from animals that have not been fed steroids.

And so the type of food that you'd expect to pay extra for at Whole Foods…can be yours overseas in the places we recommend for much less.

Two pounds of tomatoes for $1.26…a dozen eggs for $1.95…17 bananas for 50 cents…fresh raspberries for $1 a quart…

Diego and Kate moved to Medellin, Colombia and say, “Within the first six to seven months of living here, we each lost 10 pounds and kept it off—without even trying!”

A World of Opportunity

When you turn your gaze to beyond our borders, you'll see options for better living that you just don't have at home…

Ways and places you can have more fun…simplify your life…feel healthier…live richer…

…and do it for less than it costs you to stay home, like…

The inviting haven two-and-a-half hours from Miami where you can hire a maid to clean three times a week—for $60 a month. A doctor will make a house call for $35. And property is still cheap—though increasing in value. You can buy a two-bed condo with an ocean view and a large private patio and shared swimming pool for $119,999.
An overlooked spot in Europe where the plazas, cathedrals, and museums are dressed in travertine, the food and wine are glorious…and you can still rent an apartment for less than $600 a month.
Where to find U.S.-standard healthcare for half (or less) than you pay now…
Dollar-stretching property plays—right on the ocean—including one where $145,000 buys you a furnished one-bedroom condo on the beach in a complex with all the trimmings, including a beach club, full-service marina, hotel, and even a yacht club, which boasts a swimming pool, three tennis courts, and restaurants.
Five spots around the world where you can find premium views for less than $150,000.
How to enjoy a million-dollar retirement without touching your savings.
Where $35 a month buys high-speed, wireless internet…a maid will live-in for $200 a month…a taxi ride rarely costs more than three bucks…lunch out will run you $5…a first-run movie is $4…a pound of avocados sells for 65 cents…and you could live well on a Social Security income alone.
How you can earn $112,000 tax-free overseas.
A warm country with palm-lined beaches and spectacular diving where you can live just one short month a year and claim permanent residence… which can mean big tax savings for you when it comes to Uncle Sam.
The best beach communities for expats to live in…from Italy to Costa Rica to Thailand to Belize and beyond…
The top five tropical islands for retirees on a budget…

You'll get the specifics about all of that—and lots more—when you participate in The Retire Overseas School.

And you'll get the tools you need to match up your dream lifestyle with a real-world place on the ground where you could make it your reality.

Your Timing is Excellent

If you like the idea of doubling your retirement dollars in a place where your greenbacks buy two, three, even five or ten times more than they do right now, then you can't ignore the opportunities you'll find today around the world.

The truth is there has never been a better time in history to explore—and embrace—your options abroad. A hundred, 50, even 20 years ago, it was a lot harder to get around, took longer, required more gumption.

Today, though, infrastructure on the ground is much improved. Traveling is easier, faster, and more comfortable than ever.

The Internet has knit together far-flung corners of the planet, which means you're never further than a Zoom call away from friends and family.

And many of your best overseas options today are just a quick hop by air.

So in a way, the world is getting smaller. But as it does, your options expand.

Think about it this way: Today, you could sit with your toes in a white-sand beach on the tropical island of Koh Phangan, which juts out of the turquoise waters off the coast of Thailand.

And there, on that remote dollop of sand, you could have high-speed Internet access on your iPad while you enjoy a fresh-made lunch of steamed rice, chicken, fresh vegetables, and a bowl of tasty soup—for less than $3.

The world-class view? Free.

Today all kinds of overlooked places are suddenly accessible—and easier than ever to visit or live in.

And they cost a small fraction of what you're used to spending at home.

How Well Suited Are You to Life Overseas?

Here's the thing, though…and I want to be frank about this: Retiring overseas isn't right for everybody.

You're still with me here, so I suspect it's something that might well suit you. But let me ask…

Do you like the idea of living in a place where you could take $100 out of an ATM on Monday, eat out every day of the week, rent a sailboat for a morning, meet friends for drinks one afternoon, pay your monthly utility bill…and still have change leftover on Friday?
Are you willing to be flexible? Other countries do things differently. The locals might speak another language (or they might not). But you can be sure their traditions, the way they approach problems, and their sense of time will be different than yours. Are you willing to "go with the flow?"
Do you enjoy meeting new people and exploring new places—do you consider yourself a traveler at heart?
Do you crave a little adventure? Are you ready to try something new, something a little "outside the box"…even if you have friends and family who say you're nuts?
Are you ready to ignore the everyday perceptions about places in favor of the reality on the ground? The world you hear about on the nightly news is always full of war, disaster, and political chaos. But the world I'd like to introduce you to is full of opportunity for fun, personal growth, travel, profit, and more. Do you believe that world exists…and are you ready to discover it?

If you answered "yes" to three or more of those questions, then I'd say you're a prime candidate for life overseas…and The Retire Overseas School.

Your Expert Connection to a World of Opportunity

It's a way to jump-start your new life abroad in a place you love, where you can spend less and live better.

Whether you’re interested in doing it a few weeks a year—or full-time.

A place where you can create your own good life overseas…where the weather suits your constitution and where there's plenty you like to do to keep you busy.

You have lots of options abroad today—as I said earlier, more good options than ever before.

But trial and error, frankly, isn't the most efficient (or cost-effective) way to find the place that's right for you.

Now to be honest, that's how most folks go about it.

But I'd like to spare you the time, frustration, and funds that can cost you.

Instead, I'd like to introduce you to a better way.

A way you can get your questions answered…easily match up what you're looking for with a real place abroad…

…put a reasonable plan of action in place…and feel comfortable and confident about your new adventure overseas.

The Retire Overseas School puts you "under the wing" of our most seasoned editors, Dan Prescher and Suzan Haskins, who've been living overseas for nearly two decades now.

They're the authors of two books: International Living's Guide to Retiring Overseas on a Budget, and Live Richer, Spend Less.

And these guys know their stuff.

In The Retire Overseas School, they've created a way they can share those important nuggets they've discovered that can make all the difference for you between a frustrating experience abroad and one that's fun and easy.

They can't sit down with you in your living room—but this is, hands down, the next-best thing.

It all started when Suzan said to me over dinner one night, "If only I'd understood back in 2000 what I know now…we'd have gotten to this 'sweet spot' a heck of a lot faster…"

It got me thinking… Dan and Suzan have a wealth of hard-won, on-the-ground know-how that you could use.

I wanted a way they could debrief you…put you on the inside…

And essentially catapult you from where you are now to that "sweet spot" you dream about…

That way, you could fly right over the roadblocks they themselves had to find a way around.

So you could settle into the promise of a better life abroad seamlessly, easily, and enjoyably…

When you participate in The Retire Overseas School, that's exactly what you can do.

It’s akin to having a “go-overseas-mentor,” expert guidance and been-there-done-that help. A way to get answers to your questions so you can get to the spot that’s just right for you with confidence and ease.

Right now you can get half off the regular price of The Retire Overseas School during this special enrollment period.

In other words: Some folks will get distracted and miss out on their spot.

So I encourage you to act fast.

If you're intrigued by the idea of spending a lot less, yet at the same time living a lot better...

If you’re ready to put a more resilient retirement plan in place, but you're not quite sure how—or where—to make it happen…

Then I know that Dan and Suzan can help you.

Doesn't matter if you long to wake up to the sound of the waves sloshing gently on shore…

Or if you're ready to leave the stress behind…and sit on your balcony at sunset looking out at peaceful mountain peaks, a light sweater on your shoulders, cocktail in hand…

Or if you dream about the day when you can enjoy lunch at an elegant sidewalk cafe, revel in the sweet bustle of the city, and look forward to the opera you'll enjoy that night…

Whatever is in your mind's eye—whatever your ideal life looks like—they can help you find the place to make it real…

Because that place does exist—that place where you can live the good life for a lot less than you spend on your ordinary existence right now.

In the right places overseas, a couple can retire more comfortably than you ever could back home—for less than $1,670 a month, housing included.

Here's the Easy, No-Hassle Way to Get from Where You Are Now to Enjoying an International Life… FAST

To my mind, when it comes to an overseas adventure, the romance and the sense of freedom are automatically built in.

But the prospect of this great escape can be paralyzing. You fret, muse, research, dream…it can go on for years. (Maybe it already has!)

Being unsure about just a single, small detail can stop you in your tracks. You don't know what to do next, so you do nothing…

But it doesn't have to be that way for you. This time next year, you could be living way better than you are now…and spending less.

Because we're going to make it super easy for you.

We're going to give you a clear step-by-step path to follow that'll point you to exactly the place you're meant to be.

You could start living well—just like Lee and Peg do.

Retiring Overseas Is NOT an All-Or-Nothing Proposition

You don't have to pull up stakes and renounce life "back home" entirely to start enjoying days at the beach…or having a housekeeper cook and clean a few times a week…

Think about a part-time approach. Not only is it something easily arranged in just a handful of weeks…

But in the right places overseas, I guarantee it'll cost you less to spend a month or two exploring a new community and trying on the expat life for size than it would to book a few weeks at the shore back home.

One prospective expat put it plainly when he visited Ecuador last summer: "I could live for a month here and spend about the same amount as I spend on air conditioning alone every month in Phoenix." He's right. And Ecuador isn't the only place you can do it, either.

As part of The Dream Retirement Project, we walk you through all kinds of options and teach you the best way to narrow down the spots most worth your attention.

They escaped to a little highland town surrounded by peaks that reminds them of the Blue Ridge Mountains where they used to live.

Peg says they rent a three-bedroom apartment for less than $600 a month. They have a walled-in backyard that's 100 feet by 40 feet, where their dogs can play. For less than $20 a week, a woman comes in to clean. Neither Lee or Peg likes to cook, so they eat out every day—eating well, yet rarely spending more than $10 for a meal.

Or you could be enjoying life in the Caribbean, just like Mary and John are.

The couple spends part of the year in Belize. They rent a townhouse in a small complex on a private island for $3,000 a month, which is about what their Minnesota mortgage cost.

But here, they get so much more for the money: a beachfront home, utilities paid, a caretaker, and private boat service.

And life is good. The couple enjoys sports fishing, and John reads four to five hours a day. Mary stays busy snorkeling, sailing, fishing, kayaking, and exploring Mayan ruins.

“I no longer have a budget,” says Mary. “I don’t keep track. I don’t need to. I feel like we have exactly what we need and there’s always some extra at the end of the month.”

What they have…you can have, too.

And when you sign on to participate in The Retire Overseas School right now, we’ll show you how.

Clear Answers and "This Is How It Works" Guidance Make Going Overseas Easy

In The Retire Overseas School, Dan and Suzan answer questions and share secrets inside 8 beefy lessons.

For each, they walk you through what you need to know in videos and include written guides and how-to’s that go along with their talks.

Plus, they’ve brought in “backup,” too—tapping the expertise of additional experts from our International Living team.

You’ll find out things like—

Why a part-time getaway might suit you best—and how to arrange it in a way that works for you.
22 questions to ask yourself before you move overseas—the answers will help point you to where you should go.
Should you rent or should you buy? And six more important things to consider (including what to do if you’re spouse isn’t 100% “on board” yet)...
How the top destinations for living overseas compare to one another—so you can match up what you're looking for with a real-world place on the ground.
Taxes, visas, finances, and more—what you need to sort out before you commit to a country, and how to do it with ease.
How to ensure a no-trouble move with your pet in tow… Suzan and Dan tell you exactly how it works…it's not hard.
The easiest, cheapest, most reliable ways to stay in touch with family, friends, and colleagues while overseas…
Where to find excellent-quality healthcare (and insurance) you can afford…
How to get the most out of a scouting trip overseas—including the three things you should absolutely do while you’re in the country you’re checking out...
If you’ve got a portable income—we’ll show you the best places to take it overseas today. If you’re NOT yet retired, you’ve got a few things to consider—visas, taxes, and costs among them.
Six ways you can help fund an overseas adventure—whether you’re retired or not, looking for a side gig or a full-time income, we’ll hand you some good options...
And lots, lots more…

It would cost hundreds of dollars—thousands, more realistically—to gather these secrets, tips, and techniques on your own…and that's if you knew where to begin.

But today they are yours as part of The Retire Overseas School.

Discover Beautiful, Welcoming Places Where You Can Live Well for Remarkably Little… Even in Europe!

As a participant, you'll "come along" as Dan and Suzan pull back the curtain and show you your best opportunities in the Caribbean, Europe, Southeast Asia, and Latin America.

I’m talking about retreats where you can live well…invest profitably…and create the kind of life you've always imagined…for a fraction of what you'd suppose it would cost.

You can compare and contrast one destination to another and be efficient about your overseas search. That way you're not wasting time with places that really aren't right for you.

In each country we recommend, we’ll drill down to show you the regions and communities where the least number of dollars buys you the best lifestyle.

Beaches…cities…mountain surrounds…colonial towns.

They're all places our correspondents around the globe have uncovered on your behalf. Places they investigated firsthand. Places where they themselves live and spend time…

Suzan and Dan will virtually "hold your hand" so you can quickly, efficiently, and enjoyably get from where you are now to living that life you imagine in your mind's eye.

And along the way, they’ll introduce you to some more of the experts on our IL team, like Jason Holland in Mexico... Laura Diffendal in Belize...Kathleen Evans in Costa Rica... Terry Coles in Portugal... Jessica Ramesch in Panama... Keith Hockton in Malaysia... and the list goes on.

They’ll each introduce you to their adopted home country and share with you insights about the best communities to consider for expat life, the cost of living, what life can look like day-to-day, and more.

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I believe firmly that there is a place out there that's right for you…

A place where you can create your own good life overseas…

A place where the cost of living matches your budget, where the weather suits your constitution, and where there's plenty you like to do to keep you busy…

A place where you can embrace a retirement that’s not just enjoyable and affordable, but is resilient, as well.

Through The Retire Overseas School, Dan and Suzan will help you get there.

And even though the regular price to participate in The Retire Overseas School is $199…you can be part of it all today for just $199.

And frankly, I'm not sure when we'll open enrollment at such a deep discount again.

We've enlisted all our resources to pull together The Retire Overseas School, and that doesn't come cheap.

Each year we spend more than $800,000 to fund the correspondents and editors we have on the ground all around the world and who investigate destinations on your behalf.

We do it so you don't have to. This project really is special.

It's the culmination of more than 40 years of hard-won, real-world experience.

Our editors here at International Living don't just talk the talk, they walk the walk.

Suzan and Dan have themselves have lived in and traveled extensively through the countries that we recommend...

...they've bought and sold property, they've rented, they've renovated...

...they've moved pets, gotten teeth fixed, had surgeries…

...so they know more than a thing or two about successfully navigating (and embracing) an enviable life overseas.

I can say with confidence that you won't find a better way to help you investigate your best options abroad today than with The Retire Overseas School.

I'm prepared to give you access to all of Dan and Suzan's best intelligence. Plus all the insights the rest of our IL team shares, too.

They're going to set you up to jump-start your life overseas and take you from "dreamer" to "doer."

And that's not all.

When you "raise your hand", and let me know you'd like a spot in The Retire Overseas School at more than 50% off, we'll include all sorts of digital extras as well…

SPECIAL BONUS # 1, Yours Free…

We'll issue each new participant a guide called Easy Shortcuts to the Good Life (value: $19.95). In it you'll discover secrets like…

Ten good reasons to move overseas right now…and a couple not-so-good ones. Find out where you stand…
Four "clear-thinking" benchmarks to use before you make the leap…so that you've set yourself up for an easy, fast transition to the good life overseas.
The twelve most important priorities to consider as you compare one good-value haven to another. This list will save you weeks of hemming and hawing and help you narrow down your top choices in no time at all.
Twenty-six practical tips and proven shortcuts to help you save time…

In Easy Shortcuts to the Good Life we make it easy to find the place that's right for you and take the next steps with a sense of confidence.

This report is valued at $19.95. But it is yours today, free, when you register to participate in The Retire Overseas School.

And when you claim one of the available spots right now, I'll toss in another bonus on top of that…

SPECIAL BONUS # 2, Yours Free…

As an added incentive to put your name on the participant list today, I'll toss in a $100 Event Voucher good toward any of our live events.

There's no expiration on it…so you can use it anytime.

And I'd like to note that, in fact, if you DO use it, it means I'll have essentially paid you $1 to participate in The Retire Overseas School.

Just think about it: You take me up on this special offer and you get to be a part of The Retire Overseas School for $199.

In turn, I give you $100 to use toward one of our events.

This $100 voucher is yours to keep, no matter what.

And that's not all!

Respond while this special offer is on the table, and I'll send you something else, too.

—FAST REPLY BONUS—
Here's a Gift Just for Enrolling
Today

Take action right now and join IL's Retire Overseas School—and when you do, I'll also send you another useful guide called How to Buy Right and Boost Your Rental Income Anywhere in the World (value: $29.95).

It is easier today than at any other time in history for small investors like you or me to make strong gains from renting real estate out—particularly short-term.

And one of the best ways to fund a more international life—particularly if you’re not ready to go abroad full-time—is to own a place overseas that you can enjoy a few weeks a year and which pays for itself when you’re not there.

My colleague Ronan McMahon, an international real estate expert at the helm of Real Estate Trend Alert and a contributing editor to International Living, put this special report together to show you how it’s done.

Inside, he shares the six important steps to take to ensure you’re set up with a property poised to produce strong rental returns.

You’ll find out the best kind of properties to own (1-bed and studio v 2-bed and why and when one can be better than the other).

What you need to watch for in markets where you’re thinking about buying something—because one critical element can make all the difference.

And lots, lots more...

When you let me know you're interested in The Retire Overseas School today, we'll include How to Buy Right and Boost Your Rental income Anywhere in the World (value: $29.95) for you at absolutely no charge.

Really, there's no reason not to give it a try…I say that because this special offer comes with a rock-solid guarantee.

In fact, a three-part guarantee.

Our Rock-Solid, Triple Guarantee
Means No Risk for You

Guarantee # 1—I guarantee this special online program will help you find an escape that's right for you abroad. A place where you can live better than ever…stretch your retirement dollars…and have the time and funds to travel, relax, enjoy life…a true “resilient retirement” plan.

Guarantee # 2—I guarantee you'll find through The Retire Overseas School the real-world solutions you need to get from where you are now to where you want to be. But if you feel the solutions Dan and Suzan deliver aren't for you, simply let us know within 30 days and we'll give you a full refund. No questions, no problem. So the risk is all ours.

Guarantee # 3—Should you decide to ask for a refund, you have, as I said, a full thirty days to do it. And regardless, you can keep Easy Shortcuts to the Good Life, the $100 Event Voucher, and the fast-reply bonus, How to Buy Right and Boost Your Rental Income Anywhere in the World too. And they're yours to keep, no matter what…

With this special offer today, you can secure a place in The Retire Overseas School and receive resources with a value of $348—revealing secrets, strategies, solutions, and smart ideas you'd spend tens of thousands of dollars gathering on your own—all for just ~~$348~~ $199.

But you need to act fast.

Click "Add to Cart" now to register so you don't miss this opportunity.

Here at International Living, we believe the world really IS alive with opportunity and adventure.

We take it as our mission to show you where—and how—you can best embrace it.

By participating in The Retire Overseas School, you gain a "virtual mentor" as Dan and Suzan show you how to cut through all the clutter out there to home in on the places that make the most sense for you.

Then they hand you the step-by-step guidance you need to get there…fast.

You'll get your questions answered. You'll come away with a clear understanding of what you should do first, second, third, and so on.

With The Retire Overseas School, we're handing you our best expert guidance about all of the amazing ways you can embrace an adventure-filled world and live better than you do now…without spending a fortune.

Suzan and Dan are "standing by" to help you do it. Just click the "Add to Cart" button now to get started today.

When you join The Retire Overseas School, you'll gain insight into how it's possible to live a life of luxury even on a Social Security check alone…

You'll see that in the right places—places where the living is good and the prices are low—you can have a housekeeper, a gardener, a personal chef, or even a private driver…without breaking the bank. When $60 a month will pay for somebody to help a couple times a week, why not have them do it?

In the right places, you can spend much less than you do at home—only watch your lifestyle expand.

You can afford to relax. You can afford to enjoy your days.

I'd like to show you how (and where) you could create your own "good life" in a place you love…

I'd like to show you how you can get there quickly, easily, and enjoyably, too…

Simply click the "Add to Cart" button to enroll in The Retire Overseas School.

I know you're going to be impressed by what you see.

Sincerely,

Jennifer Stevens
Executive Editor, International Living
December 2022

P.S. Don't delay…click "Add to Cart" to enroll in The Retire Overseas School now.

Altogether, this unusual deal hands you more than 40 years' worth of live-abroad solutions, recommendations, and expert guidance to help you effortlessly find the spot that's a good fit for you…and get there with ease…

With this special offer you'll pay just $199 for your spot in The Retire Overseas School.

Just take a look.

This offer is 100% guaranteed and you don't risk anything. No matter what, even if you ask for a refund, the three special bonuses are yours to keep—free:

Easy Shortcuts to the Good Life,
$100 IL Event Voucher
How to Buy Right and Boost Your Rental Income Anywhere in the World

But to participate, you have to enroll. Click “Add to Cart” now to get started.

Social Security Secrets

Wed, 10 Apr 2024 14:22:06 GMT

Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know

Wed, 14 Feb 2024 13:56:36 GMT

This message is NOT approved, endorsed, or authorized by Medicare. All information regarding Medicare discussed or mentioned here is available for free from Medicare.

Attention Americans:
If You Qualify for Medicare (or Soon Will),
It’s Time to Discover…

How You Can Use Medicare
When Living or Travelling Overseas

Even if You Never, Ever Plan on Leaving the U.S.—
This is Still Need to Know Information

Dear Reader,

As you edge closer to your dream retirement, there are critical issues to consider.

One matter that's especially important is healthcare.

The good news is that spending time overseas can actually be beneficial to your health, as you'll likely choose a better climate where you can be more active and have access to healthier, straight-from-the-farm food.

In many cases, healthcare costs are so low that you can cover them out-of-pocket.

Even so, if you are a U.S. citizen, there is one important safety net you should not overlook.

And that's Medicare. (This applies even if you are already enrolled)

If you've paid into Social Security over the years, you've likely already paid for this healthcare coverage and many of its primary benefits are free for you.

I’m Dan Prescher, for International Living.

Not too long ago, I turned 65 myself—the age to qualify for Medicare—and I know for sure there’s a lot much we need to understand about our Medicare benefits.

There’s the free Part A, there's Part B, and all kinds of supplemental plans you can pick and choose from to increase the robustness of your coverage.

Athough many of us have been led to believe that you can’t use Medicare overseas, there are, indeed, many instances now when you can.

The problem is, there’s not a lot of reliable information out there about how to do this, and especially not about how to make it work best for your personal situation.

Sure, you can find some details on government web pages, but good luck trying to decipher the legal and academic jargon.

And yes, you can attend seminars or ask friends for advice.

You can hire an insurance specialist (who will likely want to sell you a few cherry-picked supplemental plans) to create a blueprint for your special circumstances.

But you don’t need to do that.

Because International Living has commissioned an important book, written just for readers like you who are exploring their overseas options.

It has just been completely updated for 2023. And it provides dependable details about how to decipher your Medicare options—in plain, accessible, understandable language.

Whether you’re looking to retire overseas full-time or part-time, or just travel now and again, this book is for you.

In fact, if you never, ever plan to leave the U.S., this book is for you.

And it is essential whether you are already enrolled in Medicare or will be soon.

It's called Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know, and it’s written by Ron Elledge, a U.S. Medicare and health insurance specialist who has devoted his career to understanding the intricacies of U.S. health insurance options. (No small task)

Thankfully, Ron has a passion for helping those of us of Medicare age make sense of what’s available to us.

Does Any of This Apply to You?

About to turn 65? Will you soon be leaving an employer health plan? Are you planning a move, including overseas? Thinking about changing your Advantage Plan or delaying or dropping Medicare Part B?

Before you do any of these, READ THIS BOOK.

All the details you need to consider are covered.

This book demonstrates his unique forte in helping expats and travelers determine the very best Medicare options.

I'm so impressed with the guidance he shares in the book that I lobbied International Living publisher Jackie Flynn to offer it to you, right now.

Let me explain why Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know belongs in your library if you’re currently or soon will be on Medicare and you’re considering spending any time at all overseas.

First off, all the basics are covered...In an easy-to-understand manner, Ron explains how Medicare works, when you become eligible and how to sign up, your important beneficiary rights...and why, even if you are still working and have a healthcare plan, you must contact the Social Security Administration on a specific date.

Part A is almost always yours free, as you likely know—so there is no reason not to have this. And you’ve earned it, so why not?

Even so, keep in mind that there are important obligations you need to consider. But when should you opt into Part B? And when might you want to delay that, without paying a penalty later? Ron explains...and this is just the beginning.

Supplemental coverage and all moving “Parts” are addressed in detail. Medicare Part A, B, C, D, Medigap, coverage for long-term care, Tricare, the “Donut Hole,” veteran’s options ...

All of this is explained in detail to help you determine the type of coverage that works best for you.

And this is where this book really shines... It’s “need to know” information for all Americans at this critical point in age, but it’s even more important if your plans include any kind of international travel or spending any extended time overseas.

Now is the time to make changes to your coverage so you can use Medicare overseas.

Your Personal Medicare Consultant

Ron’s been an IL subscriber for years. He and his wife are residents of Panama, and he strongly believes that it’s important to have a comprehensive healthcare plan when you travel or live abroad. Medicare should be a key part of that, he says.

At an IL conference a couple of years ago, Ron approached one of our editors, offering to contribute his expertise. Ron has over 15 years experience as a Medicare consultant, helping Americans get the most out of their Medicare at home and overseas. We knew we needed him as an expert in our community.

If You Plan to be an Expat (or Already Are) or Plan to Do Any International Traveling, Here’s What You Need to Know...

If you are living abroad when you turn 65, and don’t apply for Medicare at that time and you eventually move back to the U.S., you'll likely be subject to late penalties or delayed Medicare coverage. And there can be some other catches. Ron offers some real-world examples to help you understand your options and avoid problems.
And if you are in the overseas planning stage...while there is no residence requirement for original (or basic) Medicare,” Ron says that where you live “makes a massive difference in how you approach enrollment.” This is need-to-know stuff if you plan to eventually go overseas.
Whatever you do, don’t drop Part A, Ron says, because if you do, you will become ineligible for Social Security or Railroad Retirement Board benefits and be required to pay back all previous benefits received. (Note that Social Security administers Medicare, not the Centers for Medicare and Medicaid Services. So you must abide by their rules.)
Again: This is need-to-know information that will help you better understand your Medicare options if you plan to spend time overseas. If you’re living overseas when you hit your eligibility date, Ron explains why you want to reach out to the nearest U.S. Embassy or Consulate for an in-person appointment to discuss your best Medicare options.
And if you are working overseas and are covered by an employer’s health plan, your options are covered in the book, too. This is especially important if you plan to retire from active employment while living in a foreign country. You have a different set of circumstances in these situations, and you’ll want to understand your options and obligations.

Medicare: You Earned It. Now Put it to Work.

The most important thing to keep in mind is that you want to make your benefits work for your personal situation. And you don’t want to be without them should you need them.

Make No Assumptions

"Never assume anything when dealing with Social Security or Medicare", Ron Elledge says.

In Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know, he deciphers Medicare myths and solves the mysteries you’re unsure of. The brand-new edition of the book shows you how to leverage your benefits to your advantage.

After all, you paid for them during a lifetime of work.

You deserve the full benefits Medicare provides to you.

Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know showcases various scenarios to help you easily identify and assess your options for healthcare coverage anywhere you might choose to travel or live.

Importantly, it also shows you what not to do if you are living overseas. You don’t want to risk running afoul of government regulations, no matter how inadvertently.

Do that, and you may have a tax fraud case filed against you.

How and When Can You Use Your Medicare Overseas?

There's Good News If You Plan to Be Out of the U.S. for Up to 9 Months at a Time (and Sometimes Longer).

Beginning with the 2019 coverage year, some Medicare Advantage Plans began to allow their clients to remain out of their resident coverage area for up to 12 months per trip. Ron Elledge believes more carriers will offer this welcome option in the coming years.

As of now, six Medicare Supplement Plans and many Advantage Plans include foreign travel coverage. In Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know, you'll learn more about these and get Ron's advice about an extra layer of coverage to consider if you plan to live part- or full-time overseas.

Recent changes to some Medicare plans have expanded coverage networks, allowing wider coverage and longer stays out of the country.

They also provide for emergency and urgent care services overseas. This is a big benefit for travelers and part-time expats.

In Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know, you’ll get details about which Medicare plans provide this global coverage and how this all works, without having to spend hours combing the Medicare website.

As Ron says, “It’s important to know exactly what you’re covered for before you leave the country.

“It may be worth the effort to change your insurance carrier in order to take advantage of worldwide services.”

For example, for some options, the Centers for Medicare and Medicaid Services (CMS) requires that you maintain residence within their coverage area.

But CMS requirements for Supplement Plans only require that you are a resident in the coverage area at the time the policy is issued.

So it’s important to have a strategy—before you leave the States—to ensure two things: that your coverage will never be interrupted wherever you choose to live and that it won’t be adversely affected if you decide to seek legal residence status in another country.

Rita’s Story...

To help you better understand this issue, Ron tells the story of Rita, who has made Panama her part-time home for the past 12 years. (She has been covered by Medicare for the last five.)

A few years ago, she decided to get her Panama residence visa to relieve herself of the tax burden imposed by her state and in order to benefit of the discounts and incentives offered through Panama’s renowned Pensionado (Retirement) Program.

Moving overseas can change your life for the better. You may even enjoy a healthier lifestyle...

But be sure to consider your healthcare options and make your Medicare benefits part of your strategy.

This program is one reason for Panama’s popularity among expat retirees. There is no requirement that you live in the country for any length of time once you obtain a resident visa.

Because she moved her legal residence to Panama, Rita can maintain Medicare Part A and B, but will be disenrolled from all Advantage and/or Part D Plans anywhere from six months to one year after her official residence change takes place.

However, if she was enrolled in a Supplement Plan before the residency change, she will not be disenrolled, as long as she continues to pay the premium.

“It is always best to check with your insurance carrier before the change, so you know what your options are,” Ron cautions.

And if Rita were not to pursue a residence change...well, then she has far more options, as Ron weighs in on in Chapter 7 of Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know.

As he says, “Careful consideration should be given.” And in this newly updated book, he helps you understand exactly what those considerations are and helps you make informed decisions.

Are You Ready to Get Your Hands on This
Important Information?

One of the things I most appreciate about this comprehensive book, as I’ve said before, is that the information is presented in a simple, easy to understand manner.

As I also mentioned, I turned 65 not long ago. Unfortunately for me, that was before Ron had written this book.

So I toughed it out and cobbled together an approach on my own. I can’t even begin to tell you how much easier the process would have been had I had this book to refer to.

Not only does Ron explain things in layman’s terms, he also offers hypothetical scenarios based on proven strategies and situations similar to what you and I are likely facing.

These examples showcase people in their 60s and 70s...some looking to craft their first Medicare solution and others who have been using Medicare for years.

Thanks to Ron’s guidance, they've found ways to make changes that upgrade and enhance (and in some cases, save money on) their coverage.

I’ve done the same. With Ron’s input, I have now changed my original strategy.

Ron’s advice is worth its weight in gold. No matter if you’ll be eligible for Medicare in the coming year or you’re already enrolled, you’ll want this valuable reference book.

There are even five Appendixes in the book, newly updated for 2023, including specific, must-have information for expats and travelers, and contact information for many, many assistance programs and information resources.

There is nothing else out there like this book. Believe me, I've looked.

Whether you’re looking to retire or invest overseas, or just spend time exploring the world full- or part-time, Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know hands you a blueprint to follow in crafting the best Medicare strategy for your personal needs now and in the future.

Take advantage of the solutions and strategies Ron lays out for you and you could save thousands of dollars on medical expenses.

As always, your satisfaction is guaranteed.

Our Good-Will, Good-Value Guarantee

If you decide the information shared in Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know doesn’t work for you, just return the book to us within 30 days and we’ll issue you a refund. No hassle, no fuss.

But I don’t think that will happen. This information is just too important. And understanding your rights—and the policy changes recently made by Medicare—can help you make decisions and changes to your Medicare strategy that can save you money and increase your peace of mind.

As soon as you order, we’ll immediately send access to a digital copy of your book straight to your email inbox.

I think you’ll be pleasantly surprised with your options for using Medicare in overseas. And you’ll enjoy the easy-to-understand style Ron Elledge uses to explain and help you sort through those options.

Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know is a must-read before you make a critical and costly mistake with your Medicare coverage when planning your overseas move or travel.

And it’s yours now for just $59.

Remember, it’s been completely updated for 2023 so you can be sure the information provided is as current, reliable, and actionable as possible.

It’s not offered anywhere else at a lower price.

Sincerely,

Dan Prescher
Senior Editor, International Living
January, 2023

P.S. Ron’s contact details are also in the book so you can reach out to him for guidance or answers to any questions you may have.

Remember, if you're at all disappointed...and I can't imagine you will be...feel free to ask for a refund within 30 days for a full refund.

P.P.S. Over the years, the strategies Ron has shown would-be expats and international travelers have proven to be true money-savers...and sometimes even life-changing...

As one told Ron:

“Commend you for your book “Medicare Made Easy.” Been reading this week and have to say I would otherwise never have known about topics such as MOOP and the Social Security 12 Criteria for establishing “Convincing Evidence of Residency.” And when my future income level drops, I will definitely inform the IRS of my status change. That info alone could be worth 100X the price of your book.”
—Robert M.

Another said:

“Thank you for your excellent help. I put in an application for an Advantage plan. Now waiting for their approval. Looks like I'll have to return here every 6 months for a routine checkup, but I believe it will work for me. Annual medication cost with the Plan is under $900, whereas it would be over $6,000 otherwise.”
—John M.

And don't forget, you’ll get Ron’s contact information inside your new book. He has graciously offered to answer emails and consult with you by phone.

As another IL reader noted:

“It was very nice to speak to you about my mom’s situation on Monday. Thank you for taking the time to talk to me. You are providing valuable insights to expats that no one else offers out there in the market. “
—Barbara S.

Let Ron Elledge help you, too, define your own money-saving, life-changing Medicare.

Medicare Made Easy: What Expats, Frequent Travelers, and You Need to Know is only from International Living, and available to you now.

Just click the "Add to cart" button now...

The Passport Book

Wed, 06 Aug 2025 10:56:19 GMT

Why You Should Have a
Second Passport:

Here are 7 Critical Doors it
Can Open for You...

NEWLY UPDATED: If you’re considering an overseas retirement or you’re at all concerned about freedom, personal safety, privacy, and protecting your financial assets, this recently updated 601-page best-selling (and yes, controversial) book—written by a former World Bank economist—belongs in your library.

Get Yours Now at a Special Discount.

Dear Reader,

If you don’t already have a second passport, why not? It may be the most essential tool available to you in today’s world—because it gives you options. It opens doors that might otherwise be closed to you.

This is especially important in today's unpredictable world.

In recent years, who could have anticipated a global pandemic, a war in eastern Europe, the Middle East in turmoil, an attack on the U.S. capital in Washington, DC, increasing gun violence, rampant inflation...

As we all know, the United States is one of the most expensive places to live...especially when it comes to big-ticket purchases like real estate, your kids’ college tuition, and don’t even get me started on healthcare and taxes...

There are, however, countries out there where healthcare is free...college tuition is free....real estate costs a fraction of what it does in the U.S., and people treat one another with respect...places where a stable and reasonable government welcomes you and makes it easy for you to obtain citizenship.

The U.S. was built on a foundation of freedom and personal liberties...unalienable rights that seem to be slowly eroding more and more every day.

If this concerns you—as it should—there’s one certain way to protect your privacy and distance yourself from overly extreme government regulations and potentially (and legally) decrease your income and property tax obligations. And that’s with a second passport.

It is your right to have one. According to the U.S. Supreme Court, it is fully legal for a U.S. person to hold two or even more citizenships.

And once you do that, you can vastly lower your tax burden.

Yet for all these benefits, you don’t have to give up your U.S. passport and citizenship.

If you appreciate the importance of being able to travel more freely...without expensive or hard-to-get visas...being able to retire overseas more comfortably, buy overseas property free and clear...and once and for all, protecting yourself and your family from political and economic turmoil...it's time to investigate your options.

Indeed, a second passport offers many benefits. Best of all, you may be able to pass on any citizenship rights you have to your children and grandchildren.

There are other reasons, too, to hold a second passport. Most people don’t realize it, but the U.S. denies or cancels existing passports of its citizens every day. Delinquent on your taxes? Behind on your child support? Depending on your situation, your passport can be cancelled.

Another thing you may not realize is that your passport doesn’t actually belong to you. It belongs to the government. And it’s their right to take it.

According to IRS estimates, 362,000 U.S. citizens could be a risk of having their passport revoked or denied.

The government can revoke or deny your passport if you owe a legally enforceable personal tax liability of $64,000—including tax, penalties, and interest.

I’m not sharing this to scare you. To the contrary. Because although you never know what might happen in today’s chaotic global financial and political climate, the good news is that a second passport is an essential “self-protection” option.

A Second Passport is Your Ultimate Insurance Policy and the Key to Opening These 7 Doors:

Elon Musk strategically used his three passports (South Africa, Canada, U.S.) to help build his estimated $426 billion fortune… Billionaire financier, John Templeton saved $100 million in U.S. taxes by gaining Bahamian citizenship… Robert Chandran CEO of Chemoil obtained citizenship in and moved his company to Singapore, tapping into the Asian shipping market, vastly increasing its value.

The wealthy use second passports to protect their assets, lower taxes, and access global opportunities. However, second passports aren’t just for billionaires. They’re a tool for anyone seeking more freedom, opportunity, and security.

It hands you more options to travel freely. While it’s true that U.S. passport holders have (until recently) always been able to travel easily to many countries, there are some that require you to get sometimes-difficult-to-obtain and often-costly visas, such as China, India, Vietnam, Venezuela, and many African and Middle Eastern countries. By contrast, some Asian and European countries offer the strongest passport options for visa-free travel. In the 2025 Passport Index, the U.S. ranks behind 38 countries, such as Poland, the United Arab Emirates, Germany, South Korea, Lithuania, Bulgaria, and more.
You have more opportunities for global investing, banking, residence, and doing business. Thanks to increased IRS scrutiny and reporting requirements, many global financial institutions shy away from opening accounts for U.S. citizens—problems you won’t encounter with the proper second passport. It can virtually open the door to a world of international investment and income options that are off limits to you now.
You can avoid foreign policy stigma and “Yankee Go Home” mentality. For good or bad, the U.S. has a reputation for meddling in the politics and policies of other countries, and at times, this could make you a target for bad intentions. Carrying a passport from a neutral country can increase your peace of mind and sense of safety and security.
Should your current passport ever be restricted or revoked, you’ll have options. I’ve already shared some of the reasons your passport can be seized. Again, having an alternative ensures peace of mind. You will always have another place to call home. One of the lessons we can take from a two-year pandemic, it can make very good sense to have a second passport. If the country you are in is the epicenter of a health crisis, your second passport could allow you to freely board a flight (as available, of course) and depart for your alternative-citizenship country.
You will have the legal right to live and work in another country. If you’ve done any research about your options to gain legal residence and/or be able to legally work in another country, you know how difficult...impossible even...this can be. Having a second passport can take this issue off the table. An EU passport is particularly valuable, giving you the legal right to live and work in, as of now, 27 member countries.
Tax benefits. You may know that the U.S. taxes its citizens on worldwide income, no matter where in the world you live. Though a second passport won't guarantee you pay less taxes, getting one is a step toward potentially lessening your tax burden.
It’s a legacy you can pass on to future generations. You may be able to pass on any additional citizenship rights and benefits to your children and grandchildren. By giving them citizenship in the best countries possible, you can help ensure they have a better life and increased opportunities. For example, many countries provide FREE university educations to its citizens.

Bottom line...

A Second Passport is the Ultimate Insurance Policy That Guarantees Protection, Privacy, Freedom, and More

AND THE NEWEST EDITION OF THIS DEFINITIVE BOOK SHOWS YOU HOW TO GET YOURS.

It’s better to be prepared than to seek a solution once it’s too late. That’s true of anything that has to do with your well-being, and especially when it comes to your financial security and safety.

Now, I do want to make clear that getting a second passport can be time-consuming, and your success will depend on your personal situation—such as where you want to live, how long you want to live there, and, perhaps, your ancestry.

But if you plan to spend a long period of time living in another country, or own property in a different country, or have ancestors from another country, you may have an advantage.

Each country is different, with its own path to citizenship, and hurdles to overcome.

But that’s exactly what THE PASSPORT BOOK: The Complete Guide to Offshore Residence, Dual Citizenship and Second Passports will do for you: It will help you determine your best options and guide you through the steps to take to obtain the best second citizenship for you.

It shows you dozens of strategies and that could legally reduce your income taxes, exempt yourself from numerous government regulations, and protect your personal privacy from spying government databases.

That’s why I authored this brand-new 14^th edition of THE PASSPORT BOOK—to help you understand the options that exist for maintaining the liberties, rights, and opportunities you deserve.

My connection to this book runs deep. The very first edition, published back in 2000, was written by someone I know very well. Former U.S. Congressman and my father, Robert Baumann.

As a world traveler myself, who has been to over 90 countries, I see first-hand the opportunities that come with an international lifestyle.

And many years ago, I obtained my second citizenship, from South Africa, and it’s one of the best decisions I ever made... for all those reasons I’ve explained.

My second passport gives me unmatched flexibility when traveling abroad—something some of my single-passport companions miss out on. During a trip to Vietnam, my American friends were detained for hours and searched at the airport, while I, traveling on my South African passport, was waved through without a hassle.

The Author of The Passport Book—
Ted Baumann

Ted Baumann brings a lifetime of expertise to the pages of The Passport Book.

Ted is a former wealth expert for high income Americans as well as a former World Bank economist. He’s spent decades helping individuals navigate the complexities of global diversification and helping many to safeguard their wealth and their future overseas.

Born in Washington, D.C., and raised on Maryland’s Eastern Shore, Ted’s journey has been nothing short of global. He now lives in South Africa and has traveled to over 90 countries, gaining firsthand insights into the opportunities and freedoms that an international lifestyle can offer.

He is the author of bestsellers like Where to Stash Your Cash Legally and Endless Income. His expertise has been featured in Forbes, Newsweek, Market Watch, and Barron’s. Ted shares practical strategies for securing freedom and opportunity through a second passport.

Not only does Ted share his insights—he lives them. As a dual citizen with a second passport from South Africa, he has calls ‘the most beautiful city in the world,” Cape Town, his home.

THE PASSPORT BOOK is one of the heftiest volumes in our library here at International Living—and I mean that in more ways than one. Not only is jam-packed with information, tips, advice, and recommendations you won’t find anywhere else, but it also weighs in at 601 pages.

It is the quintessential and definitive guide to offshore residence and second citizenship. In fact, I challenge you to find anything like it. And while you may find older editions of THE PASSPORT BOOK out there, this special offer for this brand-new hot-off-the presses edition is only available here now.

Here’s a Small Taste of What’s Covered in
THE PASSPORT BOOK...

You can’t find this kind of information anywhere else, and believe me I’ve looked. Certainly, you won’t find the kind of details...the secrets to the second passport world, the reasoned and experienced advice, the tips that will save you money and headaches...that you’ll find in this comprehensive “field guide.”

Here’s a brief look at just some of what’s covered:

Global citizenship advisory firm Henley & Partners reports that there were, in 2024, more Americans applying to certain second passport programs than citizens of any other country.

As they put it: “Today, Americans see significant life benefits in holding an additional citizenship. For Americans as for everyone else, [a second passport] is now understood to represent a pathway to enhanced global mobility as well as kind of insurance against political instability.”

The various (and best) ways to acquire a second or even third citizenship
The quickest and easiest ways to obtain an EU passport that allows you to live and work permanently in any of the 27 European Union countries.
The offices to contact with questions about all passport and citizenship documents.
The two strikingly beautiful Caribbean island nations that offer to sell you a quick path to citizenship (if you can foot the cost) and visa-free travel to 156 nations, strict banking privacy, and 0 taxes on personal income. (page 162)
How investing in a beachside home in a sunny and popular Mediterranean country could give you a European passport and visa-free access to the rest of Europe. (page 348)
4 countries that encourage Americans and Canadians to sign up for citizenship through ancestry (some even allow you to go back to great-great-grandparents)
And much, much more…

Importantly, you’ll discover why you should want...and, in fact, may need...a second passport in the first place, and you’ll be pointed to the best countries (including for fastest and easiest procurement) to apply for and obtain citizenship.

And if you have a specific country in mind where you’d particularly like to live, work, or invest in the future, you’re sure to find all the information you need. The book offers detailed coverage of the immigration process, rights and obligations of 82 countries!

Some of the Best and Easiest Places to Obtain Citizenship

As I mentioned, there are plenty of countries to consider for your second citizenship. It really depends on your personal situation...your motivations and future plans. THE PASSPORT BOOK is designed to help you focus and direct your energies productively, and to see what is realistic for you and your situation.

You may be considering an overseas retirement, in that case, you’ll be delighted to hear that some of the best countries to retire to also are some of the best countries from which to obtain full citizenship:

Spain, Ireland, Italy, and more. There are a dozen countries where you can get a second passport by bloodline...by showing that your parents, grandparents, or in some cases even great-grandparents were born in or were citizens of these countries. And remember, with an EU passport, you can more freely move about and live in any EU country. (Explained in Part I of the book and detailed in individual country chapters)
Panama. Start with a very easy-to-obtain residence visa and in 5 years, you can apply for citizenship. You don’t even need to spend significant amounts of time there while you go through the process. Plus, Panama is a great place to live or retire, with a very low cost of living. In Ecuador, Belize, Mexico, Uruguay, and other top retirement destinations, it takes a similar amount of time to qualify for citizenship.
The Caribbean and EU islands. Many Caribbean island nations offer citizenship for a hefty investment. So do the islands of Cyprus and Malta in the EU.

THE PASSPORT BOOK: The Complete Guide to Offshore Residence, Dual Citizenship and Second Passports spells out what you need to know and puts you on the path to getting the second passport that’s best for your personal situation.

Order Now and Get THE PASSPORT BOOK
for Just $79!

Even if your eventual goal is to simply travel overseas, you’ll want THE PASSPORT BOOK in your library. If, though, your future plans include living, investing, or banking overseas, you must have this book.

I’ve already touched on some of the critical and time-sensitive intelligence shared in this important book. Here are a few more specifics:

The difference between citizenship and residence status...what “naturalization” means...and the important issues to consider when acquiring a second passport. (page 6)
Which countries require you to renounce your citizenship when applying for dual nationality and which do not. (The U.S. does not require this, as affirmed by the Supreme Court, page 40)
The country that many consider to have the world’s best economy, along with one of the strongest currencies, a transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates. (page 469)
Two countries that offer particularly attractive fast-track residency and citizenship programs and a low cost of living for retirees on a fixed budget. (page 108, 261)

In fact, to that last point, this latest edition of the book focuses on the world’s best retirement destinations, including affordable quality healthcare, personal safety, low taxes, and more.

As noted in the book, a second passport in one of the world’s best retirement havens “may entitle you to special benefits, tax breaks, discounts on healthcare, prescription drugs, and lower prices for travel and entertainment.

“Those who make the effort to qualify as citizens of their chosen retirement country find greater acceptance and respect from locals, plus the full government benefits enjoyed by their local neighbours.”

If you’re looking to retire overseas, that’s an additional reason to add this book to your research library.

SPECIAL BONUS: Order NOW and We’ll Send You This Special Report, a Perfect Complement to the Book—FREE

We’ve put together an exclusive International Living report, called The Offshore Manual: 100% Legal Secrets for Less Tax, Greater Freedom, and More Wealth (value $29).

That title is a mouthful, for sure, but it pretty accurately describes what you'll find in the report. In it, you'll discover how you could protect yourself against prying eyes...expand your opportunities for travel, to live overseas ...increase the spending power of your retirement nest-egg...and so much more.

This report is the perfect complement to THE PASSPORT BOOK and will help you even more as you formulate a plan to ensure that no matter what happens at home, you and your family and everything you’ve worked so hard for will be safe and secure.

To get it into your hands as quickly as possible, we’ll send an electronic copy of the report to your email inbox as soon as we receive your order for THE PASSPORT BOOK.

(In fact, in addition to putting a printed copy of the book into the mail to you, as soon as you order we’ll also rush an electronic copy of the book to you.)

Unavailable anywhere else, this special report is yours FREE when you take me up on my offer today.

Fast Reply BONUS: Order NOW and We’ll Also Give You Private Access to
an Exclusive Video

You’ve likely heard much discussion about so-called “Golden Visa” programs offered by countries whereby a monetary investment gets you a residence visa or citizenship.

Particularly popular programs have been offered recently from EU countries where the passport or visa you get comes with many other benefits, including freedom of movement in the Schengen zone and access to the EU free market.

Recently, though, the EU is pressing countries to pull back on these offerings and/or making qualifications more stringent. There are, however, still a few very attractive places in the EU with benefit-rich Golden Visa programs.

I recently recorded a video detailing today’s best Golden Visa programs. And when you order THE PASSPORT BOOK now, we’ll give you immediate access to this special bonus video.

This exclusive video is called Focus on Golden Visas: Where, Why, When and How to Get One.

In it, I explain exactly what golden visas are and why, and importantly, where they make sense. I also share the reasons for the EU’s current pushback and offer actionable pointers for how to assess your own needs and make a decision about whether or not a Golden Visa is right for you.

If you’ve been on the fence, wondering whether one of these programs is right for you, this video will answer your questions and point you in the right direction.

But don’t wait. It’s not too late...yet. The sooner you act, the better.

This exclusive video, Focus on Golden Visas: Where, Why, When and How to Get One, is valued at $39 and only available here, now, with your order of THE PASSPORT BOOK.

To get both these special bonuses for FREE all you need to do is place your order.

As always, it comes with International Living’s rock-solid satisfaction guarantee:

Your No-Questions Asked Satisfaction Guarantee

If you decide, for any reason, that the information revealed in THE PASSPORT BOOK: The Complete Guide to Offshore Residence, Dual Citizenship and Second Passports isn’t for you, just return the book to us within 60 days and we'll issue you a refund. No questions asked. Your special bonuses are yours to keep.

To be clear: this offer is good for 48 hours only. Come midnight Wednesday, April 30, this offer is off the table.

You get: A copy of THE PASSPORT BOOK: The Complete Guide to Offshore Residence, Dual Citizenship and Second Passports both electronically and mailed to your doorstep, value $79.

Plus, you immediately get an electronic copy of The Offshore Manual: 100% Legal Secrets for Less Tax, Greater Freedom, and More Wealth, value $29, yours free today.

And you also get immediate access to my new exclusive video, Focus on Golden Visas: Where, Why, When and How to Get One, valued at $39.

Altogether, you’re getting $147 of value for just $79. But you must order now.

Consider… All those doors to opportunities you’ve been dreaming of… With this book in hand, they’ll all be opened to you…

Just click on the "Order Now" button below to reserve your copy, along with your free bonuses, at today’s discounted price of just ~~$147~~ $79.

This is the most IMPORTANT book currently missing from your personal library… But you can fix that right now.

Take this easy step,, right now, to ensure your future.

Hit the "Add to Cart" button now.

Sincerely,

Ted Bauman
Chief Global Diversification Expert, International Living
January 2025

P.S. If you’re intrigued by the idea of protecting your family’s safety and security, shielding your wealth and diversifying your investments outside the U.S. and outside the dollar...of living better for less overseas in the future...and/or you’re interested in creating real, lasting, multi-generational wealth...

THE PASSPORT BOOK is the resource you need to help you make sense of the ever-changing landscape of immigration, global banking and investing, privacy and security issues, and more.

We're making it available to you now, for a limited time, at the steepest discount we offer.

Remember, to get this critical information into your hands as quickly as possible, you’ll get electronic versions of both the book and the special bonuses as soon as you place your order.

We'll also put your book in the mail to be delivered to your designated delivery address.

And, we’ll put the physical book hot-off-the-presses in the mail to be delivered to your designated delivery address.

Order now and save. And remember, your satisfaction is guaranteed. If you believe this book isn’t all that I’ve promised, just send it back within 60 days and we’ll refund your $79. Your special bonuses valued at $68, are yours to keep, no matter what.

Hit the "Add to Cart" button now.

Warren Hardy Spanish: Webtutor

Fri, 01 Jun 2018 20:42:12 GMT

What's the #1 Thing Every Expat Says They Wish They'd Done Before Going to Latin America?

"I wish I'd learned a bit of Spanish…"

If You Have 20 Minutes, I Guarantee I Can Have You Speaking Spanish…

Hola! My name is Warren Hardy. And gracias! As you know, that means "thank you" in Spanish.

See…you already know a bit of Spanish—probably, in fact, more than you think you do.

Gracias for showing an interest in learning Spanish. It's the #1 thing every expat living in Latin America says they wish they'd done before traveling or moving here. They wish they'd learned just a bit of Spanish.

Being able to talk to people you live next door to or meet on the street…discovering places only the locals know about…learning about all those exotic fruits and vegetables in the market…how to order the best dishes in local restaurants…

And that's not to mention the fun you'll have being able to show off your new language skills…and the sense of confidence and well-being this will bring you.

Think about it…if you spend time in Mexico, Panama, Costa Rica, Ecuador or beyond… I know you'd like to be able to chat with grocery store clerks and hardware store staff…the nurses in medical clinics…your pharmacist…the neighbor's kids…

And when you're invited to parties…and believe me, they love to party in Latin America…you'll want to enjoy every moment.

The very best way to enjoy the culture of any country is by being able to speak the language. And fortunately, Spanish is one of the easiest languages to quickly pick up.

You don't have to be fluent. You don't need to be perfect every single time. But you do need to master a few basics.

Beyond being able to order another cerveza and ask where the bathrooms are (and those are important, of course) you might want to be able to talk to the locals…to ask for directions and get to the places you want to visit, to go about your daily errands and generally make yourself understood.

Not only is this important for your comfort but it will greatly enrich your experience traveling or living in Latin America and it will earn you a great deal of respect from the locals you meet.

Think about how nice it might be to comfortably communicate with Spanish speakers…to really converse with the people you meet…hotel staff and waiters…taxi drivers…the person who cuts your hair…your next-door neighbor…with anyone you encounter.

Imagine being able to inquire about a new friend's home or family…

…to ask directions…and best of all…to understand the answers to the questions you ask!

And please, don't think that you're "too old" to speak a new language. In fact, the opposite is true. Longstanding research proves it. As adults, we have a huge vocabulary in our native tongue. And that makes it far easier to pick up vocabulary in another language. I'm going to prove that to you in a minute…

But what about grammar? There are a few tricks—shortcuts, really—that I can introduce you to that will make it so easy… I promise.

Here's the deal: as I said, you don't have to be fluent. All you need is to be functional… You need to be able to exchange common pleasantries and be able to express your wants and needs.

Once you master these basics, you'll have the confidence to maneuver your way around Latin America, Spain, or any other place where Spanish is spoken.

By the way, do you know how many Spanish-speaking countries there are in the world? 21! Imagine being able to communicate in all those countries and more.

Do you know how many Spanish speakers there are in the U.S. alone these days? 45 million. There are more Spanish speakers in the U.S. than there are speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined!

And in Canada, estimates say there are almost one million native Spanish speakers.

All told, there are half a billion Spanish speakers in the world today. Wouldn't it be great if you could communicate…have a basic conversation…with even just a handful of them?

Imagine how much richer your travel experiences will be…

And if you decide to put down roots in a Spanish-speaking country, think how far ahead of the curve you'll be with just a bit of Spanish under your belt…just by virtue of being able to express your needs and wants. You'll instantly reduce your frustration levels and quickly ease your way into your new community and way of life.

The point is: No matter where you may want to be…being able to communicate just a bit will greatly enrich your experience, boost your self confidence, and increase your comfort levels.

And one more thing: did you know that learning a new language can actually be good for you? It's true.

As the New York Times has reported, scientists have proven that being bilingual makes you smarter. "It can have a profound effect on your brain," they say, and even help shield against Alzheimer's and dementia.

And besides, how impressed will your friends and family be when they discover you've picked up this new skill?

Believe me, it's never too late…if you have 20 minutes to spare, I guarantee I can get you started speaking Spanish. With a few simple tricks it really can be just that fast and easy.

Forget What You Think "Learning" a Language Should Be…

If you've taken language classes before, you may have found it to be a somewhat painful experience. Maybe you've tried computer programs…or books…or taken classes taught by native speakers…

If those worked for you, then you probably wouldn't be listening to me right now.

I'll guess that you were either bored out of your mind or totally overwhelmed. And that you didn't stick with any of it long enough to learn much.

I'll also guess that you don't have hours to study every day.

We want to enjoy life…every bit of it. We want to have as much fun as possible, right?

So take everything you've done in the past, and all your pre-conceived notions about learning Spanish and throw it all out the window.

There's no need to struggle with conjugations and all kinds of past, present, future, pluperfect and subjunctive "tenses." It probably makes you tense just thinking about it…

We didn't start speaking English as babies by memorizing verb tenses, so why would we think that's the way to speak Spanish?

Here's what we're going to do…we're going to have some fun.

It's going to be easy and quick…but most of all, it's going to be fun. That's the best way to learn.

What to Expect Here

Probably the biggest reason that you haven't been able to get over that first hurdle and move forward is because most Spanish courses today are geared for young people with serious studying time on their hands.

We baby boomers need a better way…

We don't need instant gratification, but we do want to make progress. We need some shortcuts…some tips and tricks, cues and clues…

So that's what I'm going to do… I'm going to give you some simple "memory cues" that will help you easily remember some basic vocabulary words.

And I'll introduce you to a few simple verbs—no conjugation required. Armed with these verbs, you'll quickly be on your way to putting together sentences and being able to confidently express your wants and needs.

If you like what you see and you feel it might work for you, I'll have a special offer for you, so stick with me.

Believe me, this system works. I know because I created it and I use it day in and day out. It's tried and true and never fails—with this system, you'll be speaking Spanish quickly.

In a moment I'll tell you a little about my own background and how I ended up teaching Spanish and living the good life in Mexico.

I feel very blessed to have found my calling in life and to have had all these wonderful, rich experiences in Latin America. And it's my goal to help you find the same kind of rewards.

To help you get started, I have a short Q&A for you—a self-assessment, really.

Once you've completed it, you'll be able to decide if this opportunity could be right for you—or not.

I'm pretty sure, though, since you've already come this far, that it's important to you to be able to communicate, even just a little, in Spanish.

OK…a bit about my background…

I Know For Certain I Can Help You Speak Spanish

I am not a native Spanish speaker, but Spanish has always been my passion.

I studied it in high school, and after that, it was on a volunteer trip to Argentina from 1966 to 1969 that I first really used my Spanish and became fluent. I loved being able to speak to those I met and learn about their lives in their own words. The hook was set.

That trip encouraged me to pursue language study in college and I earned my degree in education with an emphasis on Spanish. After graduation I opened a successful language school in Tucson, Arizona, where I was living at the time.

I've now been teaching Spanish for more than 45 years. I wrote my first Spanish textbook back in 1972.

Even then, I knew there was a better way to acquire language skills than through boring, solitary bookwork and painful conjugation memorization.

So for the next 18 years…nearly two decades… I worked at developing my own proprietary system, specifically for "mature learners."

I wanted to create the simplest, quickest, most enjoyable and efficient way to "train a brain"—an adult brain—to speak Spanish.

And the more I worked at fine-tuning it, the better the system became.

Then in 1990, something extraordinary happened…two very special events in my life, in fact. The best thing that happened is that I married my wonderful wife, Tuli.

The second thing was that we spent our honeymoon in Mexico. As we fell more in love with each other, we also fell in love with Mexico.

We camped on beautiful Pacific Coast beaches that we had all to ourselves, we ate fresh seafood at sunset in Puerto Vallarta, and we traveled through the Sierra Madres to the (then) small town of San Miguel de Allende…where Spanish colonial buildings line narrow cobbled streets that seem locked in a slower and more cultured time.

The Mexican people are warm and welcoming and I loved being able to speak to them in their native language to learn more about this special, place…so precious that it stole our hearts and we knew this was where we wanted to live.

Maybe you've felt the same as you traveled to or read about some of the special destinations in Latin America?

Long story short: we decided to stay in San Miguel. We could see what was happening… The first waves of baby boomer retirees were also finding their way to San Miguel, attracted as we were by the beauty of the place, the near-perfect weather, the affordability, and the kindness of the local people.

Most of these retirees, from the U.S. and Canada, couldn't speak any Spanish at all. I watched them struggle with their daily activities…trying to ask for cream (crema, easy enough) or soap (no, it's not sopa…that's soup) at the grocery store…trying to give a furniture delivery guy their telephone number, but not knowing how to say those numbers in Spanish…asking for directions and not understanding the answers they were given.

It saddened me to see how much these new expats wanted to become part of the community…to understand the culture and traditions…to exchange basic pleasantries and make small talk. But their lack of even basic Spanish skills was holding them back.

So Tuli and I decided to open a Spanish school to help others so they could truly enjoy all the benefits these wonderful Spanish-speaking communities have to offer.

That was more than 25 years ago. All told, in the nearly 50 years I've been at this, I've worked diligently to streamline my innovative system. I've written seven textbooks, created more than 20 proprietary learning tools including workbooks, flashcards, audio, video, and online programs.

More than 1,000 students a year take our courses at our school in San Miguel and many more study with us online— That's a perfect option for those who don't have the time or money to travel to Mexico to be with us in person.

I am happy to say that I have never had a student that failed—and that's remarkable, considering that our average student is 60 years old or older.

My system works 100 percent. You can string a sentence together in 20 minutes—guaranteed.

Don't believe it? Let me show you how…

Let's Get Started

In a moment we'll get to that self-assessment quiz I mentioned, but first I want to give you a taste of how easy it can be to quickly get up to speed speaking Spanish.

Remember, I mentioned that one of the advantages we baby boomers have is our large vocabulary? Even if you don't have the vocabulary of a college professor, you do know thousands and thousands of words, right?

And you already know plenty of Spanish words…cerveza and baño (beer and bathroom) amigo (or friend) and casa (or house)… You may know how to say por favor and gracias…please and thank you…

My point is that you may know more Spanish vocabulary words than you think you do.

And the nice thing about Spanish is that many Spanish words are similar to English words. They're just pronounced a bit differently.

As example, I like to use a story about a character Brad Pitt played in the movie, "The Mexican."

He plays a shady character named Jerry who has a series of misadventures in Mexico. At one point, Jerry—who can't speak Spanish—runs up to a Mexican driver and says, "I need a lift in your el-truck-o to the next town-o."

Nice try, Jerry, but no cigarro.

Still, there are a lot of words that are basically the same and can be translated from English to Spanish simply by adding an "o" or an "a"…and changing the pronunciation a bit…

…like carro (car), artista (artist), programa (program) and problema (problem)…

Quickly Kick it Up a Notch With These Memory Tips

What about the words that aren't as similar to our English words?

Well, this is what I've spent my lifetime doing…working on creating quick memory cues to help us easily visualize Spanish vocabulary words.

You see, as I've gotten older myself, I've spent a lot of time thinking about how we "more mature" people learn. We learn by visualization…by association…by connecting the familiar.

For instance, the verb "lavar," which means "to wash"…

To remember what "lavar" means, just think of Lava Soap. Remember that from when it was first introduced in the 1960s? Or think of a "lavatory" where you wash up.

I've created dozens and dozens of memory cues just like this to help you quickly key in on the Spanish words you'll need.

As I said, we want you to quickly be speaking Spanish, but we also want you to have some fun. So the memory cues I've created that are fun… That makes them even easier to remember.

The 'Power' to Plow Ahead…

Ok, now…you need to be able to put some complete sentences together. And that can be easier than you ever thought possible.

Here's what I think is the true magic of the Spanish-learning system I've created.

It's something I call "Power Verbs."

Armed with just six power verbs, you'll quickly be on your way to putting together sentences and confidently expressing your wants and needs.

Again, believe me, this system works. I use it day in and day out and I've taught it to thousands of students just like you.

It works without fail—even in the most complex circumstances.

Think about it for a moment.

If you can say "I need" or "I want" or "I have"…and then add a noun or a "to" verb after it, you can literally make hundreds of sentences.

Here's how easy it is: One of the most essential power verbs is "necesito." And that means "I need."

(Just think of the word "necessary" to remember necesito.)

Remember the word "lavar"…to wash?

Necesito lavar… I need to wash.

It's that simple. You've created your first sentence.

Necesito lavar mi carro… I need to wash my car.

It really is just that simple.

Once you make these little connections—and it will be my honor and pleasure to share these memory cues with you…as well as the tips and tricks I've spent a lifetime developing…

Once you latch onto these very easy-to-remember techniques, they're hard to forget.

They've been created, after all, by associating terms that make sense to us baby boomers.

I want speaking Spanish to be easy for you. Easy, fast, and fun.

And I believe that's exactly what my system is…

Is This For You? Take the Q and A

I have just cinco little questions that I think will help you determine your ability to learn to speak Spanish.

Cinco, as you probably know, means five…as in cinco de mayo, or the fifth of May—a holiday that's more widely celebrated in the States than it is in Mexico, by the way.

So I'm going to ask you just cinco questions. Cinco… there's another Spanish word you already know.

For each of these questions, you'll answer "si" or "yes" or "no." Remember I explained that many words are similar or the same in both English and Spanish? "No" is one of them.

And you'll give yourself a score—1 for "si" and 0 for "no."

If you don't have a pen and paper handy, grab them now. They'll help you keep track of your score.

I'll give you a few seconds to do that.

Ok, let's get started…

Question #1: Do you have plans to visit or maybe even relocate to a Spanish-speaking country?

Si or no?

Living overseas can be a great experience.

Many of the world's best overseas retirement locations are in Latin America…places that are easy to settle into but where having some Spanish will come in very handy.

If you've answered "si" (YES) to this question, then assign yourself 1 point.

Question #2: Do you want to speak Spanish but you're not crazy about memorizing verb conjugations?

We've already talked about this…and I don't know what your memory is like these days, but mine isn't what it used to be. Memorizing conjugation rules for thousands of different verbs isn't a productive use of your time…not when there's a far, far easier way.

Remember, the goal is to get you as functional as possible as quickly as possible.

Again, if you've answered "si,"—you want to quickly get up to speed speaking Spanish and you want to make it easy on yourself—give yourself 1 point.

Question #3: Do you dislike spending time in a classroom?

First let me say that in our classroom in San Miguel de Allende, we have a lot of fun.

And San Miguel de Allende is one of the world's most beautiful colonial cities. I invite you to join us there if your schedule permits. You won't regret it.

But…if you don't have the time or don't want to go to the expense of traveling to Mexico, then there is another very good option I'll explain in a minute.

For most of you, I know that being in a specific location at a designated time…just isn't something you can do right now.

So a yes or "si" answer to this question earns you another point.

Question #4: Do you have a computer or mobile device you can access?

Give yourself 1 point if your answer is si.

If not in a classroom, how can you access this unique program and the valuable tools that will have you speaking Spanish in no time at all? We'll deliver it seamlessly via the internet.

All you need is a computer or mobile device and an internet connection.

Question #5: Can you find 20 minutes here and there to spend with me?

Time is precious to all of us. But I don't need much of yours. I really can have you speaking Spanish in just 20 minutes.

The program I've created is delivered in manageable 20-minute segments.

And the truth is that you don't need to commit to this on a daily basis. You can tune in whenever you have the time…while you're having breakfast or lunch…on your break at work…You can do it once a day, every other day, or you can binge on a few consecutive sessions.

How you schedule it is totally up to your personal preference.

If you can commit to that much, I guarantee you'll be both speaking and understanding conversational Spanish.

If your answer is "si" give yourself another point.

Tally your score. Here's how to judge your results…

There are cinco points here on the table (la mesa).

You know the word "mesa," right? It means "table," and you've probably heard that word many times before. In English we use the word "mesa" to refer to a flat-topped hill…because it looks like a table.

That's what makes Spanish easy…there are many interchangeable words you already know, just like "mesa."

So add up your points.

If you have just 1-2 points: don't be discouraged. As long as you have the desire to learn Spanish, we can help you get to the next level. Where there's a will, there's a way.

If you have 3-4 points: This Spanish-language learning system is for you.

If you have 5 points: You are extremely well-suited to this opportunity and there is absolutely no reason you should not pursue it. You're the perfect candidate to move ahead.

You have the desire, the motivation, and if you're over 40, you're likely the perfect demographic for my learning system.

As I've mentioned, the system I've created is specifically for mature adults.

But make no mistake, anyone can learn to speak Spanish and this program will work for you, no matter your age.

Some of the memory cues in our program are geared to baby boomers, though—remember the Lava Soap reference? Those under 40 may not be as familiar with that as the rest of us.

So if you're a baby boomer or at least over 40, this program really is tailored for you.

Now stick with me so we can explore together how you might proceed…

My Job Now is to Get You Up to Speed as Easily as Possible

I'm guessing you may have tried out some Spanish language courses. Maybe you took Spanish classes in high school or college or you bought one of the CD-based programs heavily marketed in airports and on television and radio.

I'm also guessing, though, that since you're still with me here that none of these systems worked for you…

Or maybe they worked a little bit but you're ready to get to the next level and start really conversing…

You want to get beyond "Tarzan-level" Spanish ("Me Tarzan. You Jane.") and start putting sentences together that make a little more sense. Like "Hello. My name is Warren. I'm pleased to meet you."

My role as a teacher and mentor is to not only get you quickly up to speed speaking Spanish but also to help you understand the warm and wonderful Spanish-speaking culture.

I'd like to give you a few quick tips that will help you easily integrate…that's something else my system includes.

Get in the Door Quickly By First Mastering the Social Skills

The culture of Latin America is a bit more formal than our own. In the States and Canada we tend to be very informal…we don't always acknowledge people we pass on the street, for instance.

But in Latin America, it's common courtesy to greet anyone you meet on the street—whether you know them or not—with a friendly "Buenos dias" or "Buenas tardes."

And certainly when you encounter someone you do know, it's expected that you'll greet them graciously and make some polite small talk…inquire about their families, their home, their work, and so on.

Understanding these social protocols and your part in them will take you far. It indicates your respect for people you encounter and is critical for your acceptance.

As I mentioned, I've spent decades developing and fine-tuning my system.

Over 50 years ago, when I was first studying Spanish, I learned that the most important first step is to understand the social protocol of the culture.

It starts with "por favor" and "gracias," of course. As you know, that's "please" and "thank you"—social skills our mothers taught us as children. In that regard, the Latin culture is no different.

What I want to share with you now is something else your mother probably taught you…and that's how to say "excuse me."

You'll do this when you want to get someone's attention…when you squeeze by them on the sidewalk, for instance, or when you approach someone in a busy office or at the front desk of a hotel.

What you say is "con permiso." Con…c-o-n…remember in Spanish we typically pronounce a hard vowel, so it looks like con but is pronounced like cone. And permiso is a variant of the English word, permission.

So we're asking for permission. "Con permiso," or "with your permission."

See how easy that is?

Knowing a few little pleasantries like this will take you far. In the Latin community, the more polite and "cultured" you appear, the more positive attention you'll receive.

These are the things I want to help you with right off the bat: How to greet people, how to inquire about their well-being, how to ask for attention or permission, how to summon a waiter, and more.

Use these and you'll establish an immediate connection.

I promise you, when you use the system I've been fine-tuning for well more than four decades now, those next steps will be just as easy as every example I've already shared with you here.

Here's How to Get Started ASAP

I'll show you how you can quickly, easily, and efficiently begin to both understand and communicate in Spanish.

We want to quickly get you on your way so you can have the very best experience possible when you travel to—or if you decide to live in—a Spanish-speaking country.

Maybe you're thinking of taking a trip to Costa Rica or Mexico…or you're considering retiring in Panama or Ecuador…

Whatever your dream is, I want to help you have the best experience you can possibly have.

In Latin America or anywhere Spanish is spoken, that means you'll want to be able to communicate and really connect with the interesting new friends you'll meet there.

And of course, when you are a guest in a Spanish-speaking home or a Spanish-speaking country, it is respectful to at least try to speak Spanish.

As I've said, you don't have to be perfect. You just have to try. It indicates that you value the culture and that you're trying to fit in.

The program I've created is called: Warren Hardy Spanish: Webtutor.

And I developed it to help you do two key things:

Boost your confidence. Imagine how comfortable you'll be when you can speak the native language…if you can call a taxi driver and explain where and at what time you need a ride…or if you can go to a live performance event and understand everything that's said…or even just share a meal and some casual conversation with a neighbor…
Enjoy life more. This is my biggest goal. Anyone who knows me knows that I love to have fun. And I want you to have fun, too…that's the very best way to learn anything and that's how I've designed my program.

I want your experience in the Spanish-speaking world to be as enjoyable as possible. And believe me it will be. Latinos are the most fun-loving people out there, and when you become part of their world and can speak their language, you will absolutely love life.

What is Warren Hardy Spanish: Webtutor?

My program is more than a classroom situation…and definitely more than a learning situation. It's the ultimate experience, and it will have you speaking Spanish after your very first 20-minute session. I guarantee that.

And I'll tell you more about my guarantee in just a minute.

But here's what you need to know: You work at your own pace and from your own location.

To develop this "virtual classroom" I spent many, many months in the studio, creating top-quality videos of all my introductory Spanish sessions. There are 41 videos in all—most of which are approximately 20 minutes long.

These are just long enough for you to get something new out of each video, but not so long that it eats into your day. Watch them while dinner is in the oven or during lunch or whenever you have a spare 20 minutes. That's all it takes.

In our introductory session, we'll get acquainted and you'll discover more about how this experience works. It's a program that's very different than anything else out there.

And of course, there's that all-important session on Social Protocol and common courtesies. (Believe me, this is the best-ever investment of your time if you're thinking of traveling or living in the Spanish-speaking world.)

These are followed by sessions that will quickly get you up-to-speed expressing your all-important needs and wants. We'll also work on turning statements into questions. (Easy enough, it's all about word order and, mostly, inflection.)

There are also plenty of review sessions to ensure that you don't forget a thing…

And all along the way, I'll be sharing my memory tips and tricks and helping you with pronunciation.

But don't worry, these aren't any tediously boring videos with me droning in monotone at the front of the room. Our goal is to have fun, remember?

We use some short, easy-to-read graphics to help you visualize and remember the words we're looking at. (Remember how we baby boomers were taught to read in the first place?)

In a sense, these videos are interactive. I want to make sure you're comfortable with the pronunciations (remember how important that is) so I'll take you through several "repeat after me" exercises.

I'll reinforce every word, every phrase, every nuance…

I'll do this to make sure you really get it—before we move on. You never have to worry about falling behind, as you might in a real classroom setting.

And the magic of all this is that you're on your own timetable. Go at your own pace… I think you'll enjoy it so much that you'll want to play one session after the other. But you can start and stop, take a break, play and repeat at your leisure.

If you want to review any segment of any session, you can—just hit rewind and watch it again.

As you can imagine, I've spent a lot of time in classrooms. And I know that the classroom setting is sometimes intimidating. No one wants to look (or sound) foolish. But in this case, it's just you and me.

Warren Hardy Spanish: Webtutor: The Next Best Thing to Being in the Room Together

In my "virtual" world:

There are no mistakes.
Learning is never intimidating.
Instead, it's entertaining.
It's fast, flexible, and efficient.
The path is clear and organized.
Memory cues are key and easy.
And remember: success is guaranteed!

Because the entire package is delivered to you online, you can enjoy the entire experience in your own home, office, or even on the road… You can access it from your desktop, laptop, tablet, phone…any mobile device any time and any place you want.

And here's the special offer I mentioned earlier…you'll need to act quickly as the doors won't be open long.

Big Savings and Extra Special Bonuses When You Join Me Today

Today, I'll make you this special offer:

Reserve now and it's yours for just $379.

Obviously I'm biased, but you will not find another program that's as fun, fast, efficient, and effective as Warren Hardy Spanish: Webtutor.

It's designed specifically for baby boomers. I'm one myself and I know how mature adults process and remember information. The memory cues I've developed are specifically geared to baby boomer life experiences.

That's why this system works so well and so quickly.

Plus, I'll give you two Special Bonuses:

Special Bonus #1: Warren Hardy Spanish: Webtutor "Playbook"

Join me today for Warren Hardy Spanish: Webtutor and you'll also receive, as part of the program, a special 150-page Playbook. (You can't call it a "workbook." It's just too much fun.)

It's chock-full of entertaining examples and exercises that will help you pull back the curtains and soak up even more.

And because your Warren Hardy Spanish: Webtutor Playbook is delivered in PDF format, it will be easy for you to access and enjoy.

Just like the videos themselves, you can play with it on your desktop computer, your laptop, your tablet, or any mobile device. Or print it out and slide it into your carry-on when you head for exotic Spanish-speaking destinations.

And when you act on this special offer now we'll also give you something else…

Special Bonus #2: A set of special "Don Juan de Boca" videos made especially for you.

Who is Don Juan de Boca?

Well…he's the guy you can't take your eyes (or ears) off of at the next table in the restaurant or bar…the guy you want to hang out with at the beach or maybe sip some tequila with…

You never know what he'll say or do, but you know for sure it will be entertaining!

Don Juan de Boca's antics and witticisms will not only leave you with a smile, but with a bit of wisdom and insight about Spanish you didn't have before.

Like slang and street talk: Where would we be without our street talk that makes communicating fun? In English, for instance, we might say "What's up?" And in Spanish, they might ask "¿Qué pedo?" or "¿Qué tal?"

But what does it mean if someone in Mexico offers you "el pilón" or in Ecuador, "la yapa"? What does "pinche" mean? I can't tell you here…but Don Juan de Boca can—and he will!

And then there are colloquialisms: Colorful phrases make languages so much more fun. For instance, I might mention "hair of the dog" and you'll know exactly what I mean. But it'll leave a non-native English speaker scratching his head.

Don Juan de Boca has a few colorful Spanish phrases like this to share.

Want to make someone laugh? Want to diffuse a tense situation?

Don Juan de Boca will teach you how to make jokes, lighten the mood, and fit right in with your new Spanish—speaking friends.

With Your 41 Videos, You'll Also Gain Access to Warren Hardy Spanish: Webtutor Online Games

Along with the 41 videos (almost 12 hours of polished "infotainment," sure to help you achieve your language goals), and the 150-page Playbook, and your special Don Juan de Boca videos, we'll give you access to a special series of online games, created just for you.

These fun little exercises go hand-in-hand with your videos and your Playbook. So watch any video, mark your answers in your Playbook and then double-check yourself (and practice your pronunciation) with the online games.

There are more than 44 fun games in all—and each one can be played two ways…from English to Spanish or from Spanish to English. So that's 88 entertaining ways to reinforce your progress.

As with the rest of the program, you can play with the videos at your own pace…anywhere, any time, and as often as you like.

And Here's That Guarantee I Promised You

I'm so sure that this program will work for you that you can have your money back if it doesn't do exactly that. There's no risk to you.

I personally guarantee that Warren Hardy Spanish: Webtutor will help you speak Spanish easily, quickly, and confidently.

After just the first 20-minute session, you'll know 12 valuable phrases or sentences that you will not forget. (I'll give you the memory cues to plant these firmly in place in your brain, no matter how old, or over-worked you think your brain is.)

In no time at all, you'll be speaking Spanish.

But if you feel the promises I've made aren't fulfilled, simply ask for a full refund within 30 days and you'll get your money back. No questions asked.

There's absolutely no downside to trying it out. And the upside hands you one of the best, easiest, most fulfilling ways to experience travel or life overseas.

No matter what, you may keep the Special Bonuses. That gives you:

The 150-page Warren Hardy Spanish: Webtutor Playbook—crammed full of fun examples and exercises that speed the process and make the entire experience more enjoyable.
The special Don Juan de Boca Videos. You'll get a kick out of these, I'm pretty sure. And the Spanish tips and tricks you see in these quirky little videos alone are worth their weight in gold.

Act now and we'll give you access to all of this right now.

Let's get started.

Just click below and you'll be taking that first, critical step to a better, more rewarding experience in any Spanish-speaking situation.

I promise you, it'll be lots of fun and you'll be speaking Spanish in no time.

Best Regards,

Warren Hardy
Creator, Warren Hardy Spanish: Webtutor

P.S. This special offer is limited.

There's no downside to giving Warren Hardy Spanish: Webtutor a try—and plenty of upside.

After all, it's 100% fully guaranteed, which means you have a full 30 days to check it out. If you decide it's not for you, just let us know and you'll get all your money back. No questions. No fuss.

Order now and you'll also receive complimentary International Living Postcards, sent everyday via email. You can unsubscribe from this service at any time, with no hassle.

* With your purchase today you'll also receive our daily e-letter International Living Postcards—with our compliments—if you're not already subscribed. Please note you can unsubscribe at any time.

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