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You are receiving th= is e-mail because you subscribed to International Living Postcards.
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International Living Postcards=E2=80=94your daily escape Wednesday, April 18, 2018 Dear International Living Reader, Conventional wisdom is that, if you retire early, you take an income hit an= d can't live as comfortably as if you'd kept working and saving until the l= ast minute. As you probably know by now, at International Living we don't have much tru= ck with "conventional wisdom." We prefer to think outside the box and find = ways of living life that are anything but conventional. Take early retirees Nita and Bernie, for example. They didn't want to toil = away until their last days, but they also wanted a retirement they could en= joy when they left work. And they found a way to have both in the beautiful= province of Chiriqu=C3=AD in Panama. IL Chiriqu=C3=AD Correspondent Nanette Witmer tells you their story below. Read on... Declan Aylward Managing Editor, IL Postcards P.S. We love tossing out conventions and finding shortcuts to a better life= that most people don't know about. That's why we've put together our best = shortcuts to living life well on your terms into our new report, How to Ret= ire on Permanent Vacation . It's packed with tips and tricks that will fast= track you to a life of ease before you thought possible. And you can get y= our hands on a copy absolutely free. Find out how here. http://click2.inter= nationalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MzQxMzAzfGh0dHBzOi8vcHJvLmlud= GVybmF0aW9uYWxsaXZpbmcuY29tL20vOTA3ODkwP2E9MTImbz0xMDkwMyZzPTEzNTM1JnU9MzEx= NzMwMCZsPTM0MTMwMyZyPU1DMiZ2aWQ9dElodi0yJmc9MA./AQ/HURt * * * Early Retirement in David, Panama on $2,000 a Month By Nanette Witmer Nita Sosebee and Bernie Gaider lived in Colorado Springs before moving to P= anama in January 2017. Both worked over 20 years in Colorado as software de= velopers. "We were interested in trying out an early retirement, or at leas= t reducing our work hours. But we knew if we stayed in the States, we would= need to work full-time for another eight to 10 years," says Nita. "We also= thought that moving to a foreign country would be an adventure, provide th= e opportunity to learn a foreign language, and be a good learning experienc= e overall. "Now our lifestyle is just so much more relaxed than it used to be. And eat= ing more at home and being active has been a boon for our health. We've bec= ome friends with many wonderful people and our life here continues to evolv= e and improve. "We chose David, in Chiriqu=C3=AD province, because we liked the variety th= at it provides. We can be at the beach, in a city, or in the mountains with= in an hour's drive." David is city of around 145,000 people and the capital of the surrounding C= hiriqu=C3=AD province. The couple has decided to rent until they get to know the region better. "I= t took us a little while to figure out how we wanted to spend our time," sa= ys Nita, "and where we should live to allow us to be active and involved. I= was also working part-time for the first six months that we were here, so = that cut into the time we had to explore. Now, though, we live in a great n= eighborhood that has shopping nearby and has two big parks that provide a g= reat walking area for us and our dog. "Our weekly schedule usually includes tennis, pickleball, hiking, a movie, = and a day at the beach." "Expenses are quite low compared to the U.S.," Nita says. "Our normal month= ly expenses are usually around $2,000. Our rent is $700 for a three-bedroom= , two-bathroom house with a large, fenced-in lot. We use air conditioning i= n each room of the house, so our electric bill runs just under $100. Water = and trash is $20. We pay about $60 a month for 10Mbps internet and cable. G= roceries and household purchases tend to run between $400 and $500. Phone r= uns us $22 ($11 each). We purchased worldwide health insurance, but many pe= ople here don't. The policy for both of us combined is $145 a month." * Recommended Reading * Start-Up Founder Predicts What's Next for America http://click2.internation= alliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MzQxMzA0fGh0dHBzOi8vc2VjdXJlLmNhc2V= 5cmVzZWFyY2guY29tL2NoYWluP2NpZD1NS1QzNDkwNDgmZWlkPU1LVDM1NjYxMyZlbmNyeXB0ZW= RTbmFpZD0mc25haWQ9JnN0ZXA9c3RhcnQ./AQ/N2gb He's invested in 1,000 companies and set stock market records. Today, he be= gins a controversial project that every American investor should see. Click= here to read more. http://click2.internationalliving.com/t/DA/Kpc/NN8/AC_Q= 9A/AAXI7Q/MzQxMzA0fGh0dHBzOi8vc2VjdXJlLmNhc2V5cmVzZWFyY2guY29tL2NoYWluP2NpZ= D1NS1QzNDkwNDgmZWlkPU1LVDM1NjYxMyZlbmNyeXB0ZWRTbmFpZD0mc25haWQ9JnN0ZXA9c3Rh= cnQ./Ag/oN_- That health insurance policy covers Nita and Bernie when they travel to oth= er countries or back to the U.S., as well as for care in Panama. "We have o= nly seen a medical doctor for minor issues but were impressed with the amou= nt of time the doctor actually spends with you, instead of a nurse or an as= sistant. The office visit was $12 without any insurance. That is not a copa= y. It is the actual cost of the doctor's visit. I paid $50 for a blood test= and $20 for my antibiotics," Nita says. "The Panama experience can vary widely, based on how much you want to spend= and what your expectations are," says Nita. "We moved into a Panamanian-st= yle house in a middle-class neighborhood in David, and it is night and day = different to the North American-style housing you can get in some of the ga= ted communities. Of course, the related cost is significantly different, to= o. But mostly, don't expect the culture to adjust to you. Do your homework,= set those expectations realistically, and you very likely won't be disappo= inted." Editor's note: Nita and Bernie found a way to start their retirement early = without sacrificing their lifestyle...in fact, they got quite a boost to it= . There are plenty of outside-the-box ways you can make sure your retiremen= t is as enjoyable as possible without costing a fortune...and we've collect= ed them all in How to Retire on Permanent Vacation. http://click2.internati= onalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MzQxMzAzfGh0dHBzOi8vcHJvLmludGVyb= mF0aW9uYWxsaXZpbmcuY29tL20vOTA3ODkwP2E9MTImbz0xMDkwMyZzPTEzNTM1JnU9MzExNzMw= MCZsPTM0MTMwMyZyPU1DMiZ2aWQ9dElodi0yJmc9MA./Ag/2YEP This free report is you= r ticket to living like the upper crust in retirement, even if all you have= to finance it is your Social Security checks. You can live a richer, more = international, more exciting, more rewarding life...without having to squir= rel away another dime before retirement. Claim your free copy of this life-= changing report here. http://click2.internationalliving.com/t/DA/Kpc/NN8/A= C_Q9A/AAXI7Q/MzQxMzAzfGh0dHBzOi8vcHJvLmludGVybmF0aW9uYWxsaXZpbmcuY29tL20vOT= A3ODkwP2E9MTImbz0xMDkwMyZzPTEzNTM1JnU9MzExNzMwMCZsPTM0MTMwMyZyPU1DMiZ2aWQ9d= Elodi0yJmc9MA./Aw/boFR If you are not yet a reader of our DAILY IL POSTCARDS just click here to st= art receiving your very own copy =E2=80=94 IT'S FREE and you'll also receiv= e a special report to help you find your perfect place to live overseas. ht= tp://click2.internationalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/jmQ/AQ/PYdj International Living and its editors have been featured in: http://click2.internationalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MTY2MzYyf= Gh0dHBzOi8vaW50ZXJuYXRpb25hbGxpdmluZy5jb20vbWVkaWEtY2VudGVyLz9JTFBPU1RDQT1j= b21wbGV0ZQ./AQ/a0QI Customer Service The mailbox associated with this email address is not monitored, so please = do not reply. Your feedback is very important to us so if you would like to= contact us with a question or comment, please click here http://click2.int= ernationalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MTQwODE1fGh0dHBzOi8vaW50ZXJ= uYXRpb25hbGxpdmluZy5jb20vaWx2LWFuZC1wcm9kdWN0cy8-dXRtX3NvdXJjZT1Qb3N0Y2FyZH= MmdXRtX21lZGl1bT1FbWFpbCUyMCZ1dG1fY2FtcGFpZ249RnJlZSUyMEZpbGU./AQ/9KRZ . If you no longer wish to receive IL Postcards, click here to unsubscribe. http://click2.internationalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/AAKJ3A/AQ= /enRb International Living=E2=80=94There's more... * For more in-depth articles, subscribe to International Living's magaz= ine. As a magazine subscriber along with your monthly in-depth issues, you = will receive free copies of our most popular reports, discounts off our con= ferences and tours, free white papers on a World-Wide Tax Guide, Adventure = Travel, and more...One year's subscription is normally priced at $69 howeve= r as a valued postcard reader you can subscribe today for just $49 http://c= lick2.internationalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MzY0NTZ8aHR0cHM6Ly= 9zZWN1cmUuaW50ZXJuYXRpb25hbGxpdmluZy5jb20vSUxWUk9TUENBL0VJTFZSNEQxP2E9MTImb= z0xMDkwMyZzPTEzNTM1JnU9MzExNzMwMCZsPTM2NDU2JnI9TUMyJnZpZD10SWh2LTImZz0w./AQ= /MsjQ . * IL Conferences, Seminars, and Tours http://click2.internationalliving= .com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MTk5OTM5fGh0dHBzOi8vaW50ZXJuYXRpb25hbGxpdml= uZy5jb20vY29uZmVyZW5jZXMvP3V0bV9zb3VyY2U9UG9zdGNhcmRzJnV0bV9tZWRpdW09RW1haW= wlMjAmdXRtX2NhbXBhaWduPUZyZWUlMjBGaWxl./AQ/mPzO * View today's hot real estate opportunities here http://click2.interna= tionalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MTQwODE5fGh0dHBzOi8vaW50ZXJuYXR= pb25hbGxpdmluZy5jb20vcmVhbC1lc3RhdGUvP3V0bV9zb3VyY2U9UG9zdGNhcmRzJnV0bV9tZW= RpdW09RW1haWwlMjAmdXRtX2NhbXBhaWduPUZyZWUlMjBGaWxl./AQ/Tni1 . * IL's Syndication Program http://click2.internationalliving.com/t/DA/K= pc/NN8/AC_Q9A/AAXI7Q/MTg3MTI3fGh0dHBzOi8vaW50ZXJuYXRpb25hbGxpdmluZy5jb20vYW= JvdXQtaWwvc3luZGljYXRpb24vP3V0bV9zb3VyY2U9UG9zdGNhcmRzJnV0bV9tZWRpdW09RW1ha= WwlMjAmdXRtX2NhbXBhaWduPUZyZWUlMjBGaWxl./AQ/LwlF * IL's Online Classified Ads http://click2.internationalliving.com/t/DA= /Kpc/NN8/AC_Q9A/AAXI7Q/MTQwODIxfGh0dHA6Ly9jbGFzc2lmaWVkcy5pbnRlcm5hdGlvbmFs= bGl2aW5nLmNvbS8-dXRtX3NvdXJjZT1Qb3N0Y2FyZHMmdXRtX21lZGl1bT1FbWFpbCUyMCZ1dG1= fY2FtcGFpZ249RnJlZSUyMEZpbGU./AQ/eglN * Follow our editors around the world on Twitter and Facebook http://cl= ick2.internationalliving.com/t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MTQwODIyfGh0dHBzOi8= vaW50ZXJuYXRpb25hbGxpdmluZy5jb20vYWJvdXQtaWwvc29jaWFsLW1lZGlhLz91dG1fc291cm= NlPVBvc3RjYXJkcyZ1dG1fbWVkaXVtPUVtYWlsJTIwJnV0bV9jYW1wYWlnbj1GcmVlJTIwRmlsZ= Q./AQ/sdyn IL Magazine Subscribers: To cancel or for any other subscription issues, write us at: International Living Order Processing Center Attn: Customer Service P.O. Box 968 Frederick, MD 21705 (c) 2018 International Living Publishing Ltd. All Rights Reserved. Protecte= d by copyright laws of the United States and international treaties. This N= ewsletter may only be used pursuant to the subscription agreement and any r= eproduction, copying, or redistribution (electronic or otherwise, including= on the world wide web) , in whole or in part, is strictly prohibited witho= ut the express written permission of International Living, Woodlock House, = Carrick Road, Portlaw, Co. Waterford, Ireland. Registered in Ireland No. 285214 Website: www.InternationalLiving.com http://click2.internationalliving.com/= t/DA/Kpc/NN8/AC_Q9A/AAXI7Q/MTQwODIzfGh0dHBzOi8vaW50ZXJuYXRpb25hbGxpdmluZy5j= b20vP3V0bV9zb3VyY2U9UG9zdGNhcmRzJnV0bV9tZWRpdW09RW1haWwlMjAmdXRtX2NhbXBhaWd= uPUZyZWUlMjBGaWxl./AQ/1rcR Nothing in this e-mail should be considered personalized advice. Although o= ur employees may answer your general customer service questions, they are n= ot licensed under securities laws to address your particular situation. No = communication by our employees to you should be deemed as personalized advi= ce. -------=5ad760a48109c Content-Type: text/html; charset="UTF-8" Content-Transfer-Encoding: quoted-printable

You are receiving th= is e-mail because you subscribed to International Living Postcards.
T= o change your email settings, view the information at the bottom of this em= ail.

3D"International

International Living Postcards= =E2=80=94your daily escape
Wednesday, April 18, 2018

Dear International Livi= ng Reader,

Conventional wisdom is that, if you retire early, you take an income hit = and can't live as comfortably as if you'd kept working and saving until the= last minute.

As you probably know by now, at International Living we don't have= much truck with "conventional wisdom." We prefer to think outside the box = and find ways of living life that are anything but conventional.

Take early retirees Nita and Bernie, for example. They didn't want to toil = away until their last days, but they also wanted a retirement they could en= joy when they left work. And they found a way to have both in the beautiful= province of Chiriqu=C3=AD in Panama.

IL Chiriqu=C3=AD Correspondent Nanette Witmer tells you their stor= y below.

Read on...

3D"Declan"

Declan Aylward
Managing Editor, IL Postcards

P.S. We love tossing out co= nventions and finding shortcuts to a better life that most people don't kno= w about. That's why we've put together our best shortcuts to living life we= ll on your terms into our new report, How to Retire on Permanent Vacati= on. It's packed with tips and tricks that will fast track you to a lif= e of ease before you thought possible. And you can get your hands on a copy= absolutely free. Find out how here.

* * *

Early Retirement in David, Panama on $2,000 a Month
By Nanette Witmer

Nita Sosebee and Bernie Gaider lived in Colorado Springs before moving to P= anama in January 2017. Both worked over 20 years in Colorado as software de= velopers. "We were interested in trying out an early retirement, or at leas= t reducing our work hours. But we knew if we stayed in the States, we would= need to work full-time for another eight to 10 years," says Nita. "We also= thought that moving to a foreign country would be an adventure, provide th= e opportunity to learn a foreign language, and be a good learning experienc= e overall.

"Now our lifestyle is just so much more relaxed than it used to be. And eat= ing more at home and being active has been a boon for our health. We've bec= ome friends with many wonderful people and our life here continues to evolv= e and improve.

"We chose David, in Chiriqu=C3=AD province, because we liked the variety th= at it provides. We can be at the beach, in a city, or in the mountains with= in an hour's drive."

3D""
David is city of around 145,000 people and the capital of the surroundi= ng Chiriqu=C3=AD province.

The couple has decided to rent until they get to know the region better. "I= t took us a little while to figure out how we wanted to spend our time," sa= ys Nita, "and where we should live to allow us to be active and involved. I= was also working part-time for the first six months that we were here, so = that cut into the time we had to explore. Now, though, we live in a great n= eighborhood that has shopping nearby and has two big parks that provide a g= reat walking area for us and our dog.

"Our weekly schedule usually includes tennis, pickleball, hiking, a movie, = and a day at the beach."

"Expenses are quite low compared to the U.S.," Nita says. "Our normal month= ly expenses are usually around $2,000. Our rent is $700 for a three-bedroom= , two-bathroom house with a large, fenced-in lot. We use air conditioning i= n each room of the house, so our electric bill runs just under $100. Water = and trash is $20. We pay about $60 a month for 10Mbps internet and cable. G= roceries and household purchases tend to run between $400 and $500. Phone r= uns us $22 ($11 each). We purchased worldwide health insurance, but many pe= ople here don't. The policy for both of us combined is $145 a month."

* Recommended Reading *

Start-Up Founder Predicts What's Next for America

He's invested in 1,000 companies and set stock market records. Today, he be= gins a controversial project that every American investor should see. Click here to read more.

That health insurance policy covers Nita and Bernie when they travel to oth= er countries or back to the U.S., as well as for care in Panama. "We have o= nly seen a medical doctor for minor issues but were impressed with the amou= nt of time the doctor actually spends with you, instead of a nurse or an as= sistant. The office visit was $12 without any insurance. That is not a copa= y. It is the actual cost of the doctor's visit. I paid $50 for a blood test= and $20 for my antibiotics," Nita says.

"The Panama experience can vary widely, based on how much you want to spend= and what your expectations are," says Nita. "We moved into a Panamanian-st= yle house in a middle-class neighborhood in David, and it is night and day = different to the North American-style housing you can get in some of the ga= ted communities. Of course, the related cost is significantly different, to= o. But mostly, don't expect the culture to adjust to you. Do your homework,= set those expectations realistically, and you very likely won't be disappo= inted."

Editor's note: Nita and Bernie found a way to start their = retirement early without sacrificing their lifestyle...in fact, they got qu= ite a boost to it. There are plenty of outside-the-box ways you can make su= re your retirement is as enjoyable as possible without costing a fortune...= and we've collected them all in How to Retire on Permanent = Vacation. This free report is your ticket to living like the upper= crust in retirement, even if all you have to finance it is your Social Sec= urity checks. You can live a richer, more international, more exciting, mor= e rewarding life...without having to squirrel away another dime before reti= rement. Claim your free copy of this life-changing report here.=

If you are not yet a= reader of our DAILY IL POSTCARDS just click here to= start receiving your very own copy =E2=80=94 IT'S FREE and you'll also rec= eive a special report to help you find your perfect place to live overseas.=

International Living= and its editors have been featured in:

3D"featured

Customer Service
The mailbox associated with this email address is not monitored= , so please do not reply. Your feedback is very important to us so = if you would like to contact us with a question or comment, please click here.

If y= ou no longer wish to receive IL Postcards, click here to unsubscribe.

Inte= rnational Living=E2=80=94There's more...

IL M= agazine Subscribers:
To cancel or for any other subscription = issues, write us at:
International Living
Order Processing Center
Attn: Customer Service
P.O. Box 968
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(c) 2018 Int= ernational Living Publishing Ltd. All Rights Reserved. Protected by copyrig= ht laws of the United States and international treaties. This Newsletter ma= y only be used pursuant to the subscription agreement and any reproduction,= copying, or redistribution (electronic or otherwise, including on the worl= d wide web) , in whole or in part, is strictly prohibited without the expre= ss written permission of International Living, Woodlock House, Carrick Road= , Portlaw, Co. Waterford, Ireland.

Registered i= n Ireland No. 285214
Website: www.InternationalLiving.co= m

Nothing in t= his e-mail should be considered personalized advice. Although our employees= may answer your general customer service questions, they are not licensed = under securities laws to address your particular situation. No communicatio= n by our employees to you should be deemed as personalized advice.


= -------=5ad760a48109c--