The Simple Secret To Living In Europe On $2,000 A Month Or Less

 
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Dear Live and Invest Overseas Reader,

Europe is home to the world’s elite retirement havens

You won’t find a higher quality of life than here on The Continent.

Sure, Latin America and Asia can offer you remarkable beaches… friendly people… sunny days… and, famously, a low cost of living…

But so too can Europe…

And, yes, that includes affordability—after decades of helping people find their spot abroad, we at Live And Invest Overseas can tell you that it’s likely you can live in Europe for as much or less than you’re spending now.

I’ll prove that to you in a minute…

Just imagine, though, what your life could be in one of the world’s blue-chip destinations…

Year-round sunny days and afternoon dips in the bright blue sea, just a stroll away from your home on a Mediterranean island…


Hiking and exploring in the summers and winter skiing (or a glass of brandy and a fireplace) from your cottage in an Alpine village…


Or imagine living in one of Europe’s grand cities, where errands to the baker, butcher, fish monger, and fruit markets are so pleasant they’ll make you rethink life and its simple pleasures…

Whiling away the days at cafés… planning a big night out at a Michelin-star restaurant… walking your dog down a charming street with iconic architecture… weekends at the famous museums…

Your new life in Europe could be a dream come true.

And, again, before that little bit of doubt comes creeping up…

I’m here to tell you that, in the right places and with the right advice, it’s all possible—I’ve done it, thousands of your fellow readers have done it, and millions of North American retirees and expats are doing it right now.

Now, there is a caveat … not everywhere is affordable, of course, and not everywhere easily accepts North American and other expats…
Kat Kalashian
Chief Euro Correspondent
But that’s what we’re here for…

We’ve handpicked for you 9 of your best options where you can live well for $2,000 or less.

These are 9 havens where you can truly embrace le joie de vivre or la dolce vita on a budget.

Again, you’ll need a little guidance…

However, once armed with the right insights and the right destinations, you’ll be amazed at how easy it actually is to enjoy the good life in Europe…

How Much Will Your New Home
In Europe Cost You?

I can show you how to thrive in the world’s most beautiful and culture-rich havens for less than $2,000 a month…

Europe offers the highest quality of life in the world…
 
And that’s just as true for Europeans as it is for North Americans who move here.
 
The combination of safety, health care, expat communities, weather, cuisine, culture, and history is impossible to find anywhere else in the world.
 
It’s almost a miracle that you can live here affordably, let alone for possibly less than you might be paying now.
 
It comes down to several things…
 
First, Europeans earn much less than Americans, while the latter are also much more involved in the stock market. In fact, it’s been estimated that the average American is up to 50% wealthier than their European counterpart.
 
The deal here for Europeans is that they earn less in exchange for better retirement benefits, a more robust safety net, nearly free healthcare, and far less required working hours.
 
Furthermore, education (even universities) and public transportation are free or heavily subsidized. Even the costs of food and housing tend to end up being less than North America due to taxes and regulations…
 
Of course, as a retiree or digital nomad, the social charges and income taxes that provide most of these things won’t affect you at all, meaning you can enjoy much of Europe’s benefits at a bargain compared to the people who grew up here.

It’s true: Americans are generally wealthier than Europeans…
Second, just like anywhere else, your housing cost in Europe will be your largest expense.

Currently, the average (median) asking price for a new lease in the United States is $1,987 per month…

You can add about 50% to those figures in popular U.S. retirement destinations like Orlando or Scottsdale.

Of course, not all rents are the same—you’re going to pay more in California than Kansas—but even the rents in Kansas went up by nearly 10% last year.


In America, folks spend on average 33% of their budget on rent.
In Europe, they spend nearly the same percentage of their income—but, again, they earn much less, nearly 50% less on average in fact.
 
It means lower rents on average… and a lower cost of living overall…
 
Of course, there are caveats and downsides, at least from a North American perspective…

Bottom line, though, not only can you live better in Europe—you can do it for LESS money than you might have thought.
 
But don’t take my word alone for it…
 
Check out these three recent cost comparisons for rentals in the U.S. versus Europe:

Florida vs. A Mediterranean Island

Naples, Florida, has an average rent of $2,316 per month for a new lease on a 1,017ft² apartment.

On our favorite Mediterranean island, rents start at about €200 (about $215) per month for basic accommodation, with nicer apartments in city centers or close to the beach going for about twice that.

That’s over $2,000 in savings every month—just for choosing a Mediterranean island over Florida…

And before you think your European apartment is a step back in comfort, check out the view from your porch:

This two-bedroom, one-bathroom apartment has a total living space of over 900ft² (85m²). It rents fully furnished for $450 a month in a complex with the pool above. The property is a short stroll from the market and just few miles to the beach…

Compared to your potential home in Florida, you’d save more than $22,000 every year living on this Mediterranean island in Europe.
They say 'the more you tell, the more you sell' which is true... but only if people actually read what you write. People read text that's punchy, interesting and helps them make a good buying decision.

Arizona vs. A Superyacht Hub

The average monthly cost of an apartment lease in Scottsdale this year is $2,043…

But you can rent a two-bedroom apartment for as little as €350 (about $380) per month in a stunning, tiny country on the Adriatic Sea—no water shortages here. For something a little nicer, better located, or close to the beach, your cost would start around €750 (about $810).

You’ll spend over TWICE the cost in Scottsdale to NOT be on the beach…


But here in a country across the sea from Italy, you’ll enjoy the coast and an extra $1,233 in your pocket. 


We found a sea view apartment in this country, where the Saudi royal family keeps part of their yacht fleet, with a big garden and a playground. About 1,100 ft², it rents for €600 a month. It comes fully furnished, has a hot tub, a big terrace, and it’s close to the beach and nightlife.

California vs. Europe’s
#1 Retirement Haven

The average rent in southern California is now around $2,719 per month.

The average rent in the Algarve, superstar overseas haven often referred to as the “California of Europe,” is only €763 (about $825) for a similarly-sized apartment. Farther from the coast, or in a small village, that cost can drop by up to 40%. 

Dropping California in favor of Portugal—where you can also surf, walk the boardwalk, and enjoy 300 sunny days a year—will save you nearly $1,900 a month…

Portugal is also one of the safest places in the world… and it offers tax breaks …


This semi-detached house above is a 50-second walk to the beach of Monte Gordo.

It has two bedrooms, two bathrooms, an equipped kitchen, a small living room with an extra bed, and air conditioning in every room. The west-facing terrace is ideal for enjoying late afternoons over the sea…

It rents for €700 (about $755) a month… fully furnished.

I could go on and on with examples:
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Seaside apartments of 110m² (big enough for two bedrooms) regularly list for €500 to €700 a month in one of our favorite towns… and hillside village apartments a little further inland go for €300 to €550…
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In another place we love in Europe, a 4-bedroom house close to a golf course and with stunning sea views has a price tag of €850 monthly…
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What about cosmopolitan living on the Mediterranean? Our top pick here has a listing for a tidy 2-bedroom, minutes from the beach, for €778 a month… or a studio in the quaint historic city center for €650…

Prefer to buy? Wise decision…

First, European real estate tends to be one of the soundest investment decisions you can make. Since 2010, for example, home prices here have risen by 45% , while rents have only risen by 17% in that same span…

    Right, the caveat here is that rental income rarely exceeds 5-6% ROI—though we know of plenty exceptions, more on that later. But property here is about a steady and stable investment that you’ll find anywhere…

    It makes sense, right? If this is where you’ll find the world’s elite quality of life, it follows that the property here is a blue-chip asset.

    But back to smart moves, buying in cash means your monthly housing costs drop to nearly nothing relatively
    You could enjoy some of Europe’s best city living for only a few hundred dollars a week (or less)…
    That in turn can drop your cost of living to less than $1,000 a month… or, of course, it can mean you’ll be enjoying a lot more of the finer things in life—and there’s no better place for that than Europe.

    We can also show you where you might qualify for a mortgage, but you might not believe the kinds of property prices available to you now:
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    A 65m² apartment with sea views for €95,000
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    An 80m²  condo with 2 bedrooms, a terrace, and views of the Adriatic Sea for €200,000 euros… and you can rent it out for at least €600 a week, when you’re not around…
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    A fully restored 100-year-old, 3-bedroom house built from stone, with two vaulted-ceiling cantinas (cellars)— not far from the sea and near the ski slopes—for €115,000
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    With citrus, olive, and carob orchards, and some of the most unique beaches in the world, all nearby… you can grab studio, one-bedroom, and two-bedroom apartments from €70,000 to €100,000 in our pick for Europe’s Top Haven…

    Less Than $1500 A Month—
    A Simple Life By The Coast In Europe

    Our choice for “Europe’s Best Retirement Haven” offers an affordable and active lifestyle, world class safety, and easy residency …

    How affordable is Europe?

    Despite being near the ocean, the cost of living in one of our top havens  is, on average, 32.5% lower than in America.

    And rent? It’s a whopping 42.6% cheaper despite the fact that most people live within 50 miles off the coast…

    Item
    Cost (€)
    Notes
    Rent
    600 
    Basic apartment, about a 15-minute walk to the water
    Public Transportation
     80 
    Monthly unlimited pass for the bus—takes you all over, including cities and beaches
    Gas/Electricity/Water
     130 
    Total monthly utility costs
    Cable/Phone/Internet bundle
     78 
    Subscription for WiFi and TV
    Entertainment
     204 
    Dining out at a restaurant for a couple—twice a week
    Food and groceries
     270 
    For fresh, whole foods. Imported, freezer, and processed foods will cost you much more.
    TOTAL
    €1362 ($1470) 
    Monthly expenses for two
    *Currency exchange rate as of Oct. 2024

    So, what’s the secret here?

    First, and obviously, avoid the tourist traps.

    And more than just the neighborhoods of famous places, you’ll want to know about the “other” cities...

    That is, we know of dozens of places that often look and feel like similar locations that are pricier and more well-known…

    All the better for you that they haven’t yet been “discovered”—that their names aren’t yet as familiar as their celebrity equivalents. These “alternate Tuscany” options comes at a fraction of the cost of the original.

    Dare to feed your dreams—and plans—with these under-the-radar jewels…

    A Pre-Roman Walled City, Vineyards,
    And 300+ Days Of Sun

    In western France, one of our alternatives to Provence offers you joie de vivre for less than $1,500 a month…

    As legend has it, a very wise woman once saved a lovely and history-rich city here from a tribe holding it under siege.

    With the help of the other starving inhabitants, she fattened a pig with the city’s last scraps of food, threw it over the walls, and thereby convinced the attackers the siege was in vain.

    Today, fresh food and local wine are abundant—thanks to the area’s great weather, which also makes it inviting to spend lots of time outdoors.

    What’s more, it’s only a short drive to seaside pleasures, mountain skiing, and urban cultural attractions.

    Aphrodite’s Birth Place
    Is Under The Radar These Days…

    While tourism hikes up prices in Santorini, one of our alternatives boasts the best bang for your buck in the Mediterranean…

    An ancient place going back 10,000 years, an entire town here is recognized as a UNESCO World Heritage Site.


    For much less than the usual Mediterranean destinations, you’ll get the same breathtaking coasts and fascinating museums, and tasty cuisine, plus impressive mountains and vast forests to explore—it’s an outdoorsman’s treat…

    And, with more than 300 sunny days a year, you’ll be able to spend as much time as you want enjoying Mother Nature’s best here on the Mediterranean’s warmest island.

    You’ll also be pleased to learn that this is one of the safest places in the world, and it was all once under British rule… so English is spoken by more than 3/4 of the locals.


    Medieval Hill Villages, Endless Golden Beaches, And Thermal Spas

    Our choice in Italy will cost you nearly half of what you’d pay in Tuscany.

    Picture it: tranquil… simple… gorgeous living only a couple of hours from Rome…

    Women in pinafores chatter and laugh in chairs drawn into a circle near the village square. They string and braid onions into long strands. Scarlet peppers hang from balconies, while boys play soccer in the street below. Shoppers fill mesh bags at open-air markets.

    And it’s only a short drive to hiking trails, wildflower fields, thermal spas, and the best city beaches in Europe.

    With its tall mountain range and sandy coast so close to each other, you could go snow skiing and surfing in the same day.

    Choosing your corner of this paradise is the only “dilemma”… views of hillside terraces, mountains, medieval cities, or sea views… or all at once!

    Of course, these three are just a tiny sampling of the cities and towns you’ll find within the group of 9 European countries we want to show you…

    The variety of settings you could call home in Europe today—even within the borders of only 9 countries—is frankly, overwhelming…

    “We Did Not Intend To Stay For 20 Years”

    We did not intend to stay for 20 years, but sometimes things just turn out that way.

    ‐‐Susie Hines-Walters, United States

    Picture yourself stepping out your door every day onto cobblestone streets or alongside a vineyard. Does the very thought set your heart pounding?

    Or is that little “too good to be true” voice in your head kicking in as you consider a move to Europe?

    Just consider some of the savings and bargains that quality Old World living can offer. Imagine…

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    Internet, TV, and phone (including international calls) for only €40 a month…
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    A deluxe scenic picnic anywhere you choose—with world-class wine, bread, and cheese for €10 per person. (You can get fresh-baked loafs of bread for less than €1!)...
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    Numerous little-known restaurants where, for €6 to €13, you can enjoy two to three tasty courses—and often bread, wine, and coffee too…
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    Stocking up on quality wine as cheap as €4 per bottle—these same wines can cost $10 or more back in the States…
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    €5 to rent a beach chair and an umbrella on a famous Mediterranean beach… or €1.50 to access manicured, fully-appointed private beaches along Europe’s most pristine lake…

    Don’t Forget
    Your Clubs!

    Golfers, beware of the temptations that lie in wait…

    Europe boasts plenty of famous courses, but two are particularly brilliant attractions for golfers…

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    One of our featured havens is itself a world-recognized tourist and golf destination which, at last count, was offering 42 courses in less than 100 square miles…
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    Another spot touts a course with sea views so stunning that its designer, Arnold Palmer, said of it, “I have never come across a piece of land so ideally suited for the building of a golf course. I designed the first nine… but surely God designed the back nine.”
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    Free entrance to local outdoor concerts and festivals, as well as famous parks and gardens—and even to world-class museums and exhibits on certain days…
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    Skiing the “other Alps” and paying only €10 to €15 for lift passes…
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    Playing 18-holes of golf with snow-capped mountain views for only €38…
    Look, I get it…

    Europe has never been the place to seek out the world’s cheapest lifestyle…
    However, I think you’ll be surprised at the number of affordable areas awaiting you in Europe.

    In fact, be prepared to be overwhelmed at how you DON’T have to come up with a king’s ransom to enjoy European charm and culture in any of the recommended destinations.

    The really good news is that you CAN afford to…

    How To Live Well (On The Cheap)
    In The “Other” South Of France

    To live like a king in Europe, you need only know the local insights…

    For instance, the French country life has long been a top-of-the-list choice for capturing joie de vivre.

    But, check the price tag on a big-name place like Provence, and you might need to rethink your budget.

    Not so for one of our “other” South of France suggestion: Carcassonne.

    Here, where you can live a fairy tale life among medieval castles and lavender fields, a couple could embrace French country life in a medieval setting for only about $1,600 a month

    Rent: €500 for a small, standalone house with a yard…
    Utilities: €100 to power a medium-sized home…
    Telephone/Cable/Internet: €50, including no-limit data plans and toll-free calls to North America and the rest of Europe…
    Groceries: €410 to supply three square meals every day with fresh, whole foods (and plenty of beer and wine)…
    Transportation: €60 for two monthly bus passes…
    Entertainment: €300—this is, of course, highly variable…
    TOTAL: A budget of €1420 ($1533) a month for two people living well in the French countryside.

    Budgets, Taxes, Language:
    Here’s The Truth About Living In Europe…

    I hear it all the time from readers:

    Dream on! There’s just no way I could afford Europe.

    Well, contrary to what many North Americans think, Europe has always offered Old World seekers a number of affordable options.

    I know, I know… even if you’ve been to Europe for work or vacation already, it can be hard to wrap your head around the fact that it’s an affordable, even cheap, place to live…

    But just think about it for a second:

    Think about it: the vast majority of the people who live in these “expensive” places are not rich at all…

    Hundreds of millions of middleclass folks have lived in Europe their entire lives…

    How are they are getting by without big salaries and overflowing nest eggs?

    It’s because they’re not living as tourists.

    They’re shopping in local markets, they’re skipping the museum restaurants, and they’re certainly paying much less than you might for a hotel room or an AirBnB.

    Of course, anyone can learn to pinch their pennies… but what about the legal side?

    Again, I think you’ll be pleased…

    You see, these countries only need you to earn the bare minimum to enjoy life within their borders. In fact, many residency programs require you to earn the equivalent of around just $1,500 a month—that’s less than the current average U.S. Social Security check.

    But it can be much cheaper in key places. In France, for instance, about $1,450 a month is all you’ll need to qualify. In Portugal, the official requirement is only about $900 a month—though our legal insider here suggests a few hundred more to virtually guarantee your visa approval…

    So, I say again: even if you have a small budget, your dream of living in Europe is alive and well.

    Especially when you consider that many of the greatest benefits living here don’t cost you a single cent.

    Let’s see…

    What else is keeping you from enjoying a life in Europe in retirement?

    We’ve heard all of the excuses…

    “Absolutely Smitten”

    I am absolutely smitten by the European lifestyle, and we don’t even drink!

    ‐‐Robert S.,
    United States

    “I’ll be taxed to death if I live in Europe.”

    Do the math, and you’ll find that your tax bill is unlikely to change at all after a move here.


    That’s partly because the havens we have in mind for you have tax treaties with many countries, including the United States and Canada.

    Plus, you don’t have to worry about state taxes.

    Tax treaties, tax benefits, and the lack of states taxes means you could actually pay LESS in Europe…

    On the day-to-day side, making things a little easier is the value added tax (VAT) throughout the EU. Very simply stated, VAT is a tax that is already included in the price of most goods you’ll buy—if something costs €1, that’s all you’re going to pay.

    Obviously, you’ll encounter some new taxes, as well as some familiar ones that may cost more than back home. The entire transaction cost of buying and selling property, for example, is more expensive here than elsewhere.

    But they’re all manageable, and we can show you everything you need to know to reduce their costs when legally possible.

    “I’m Thrilled”

    It’s tempting to continue living the way you’ve been living. It’s easy… and it can be very frightening to think about creating a whole new life for yourself in a foreign place.

    “But that fear can keep us from acting on chances for fun, for adventure, and for possible profit.

    “All I can tell you now is that I’m thrilled… it has been one of the most satisfying experiences of my life.

    ‐‐Jay, United States

    “I’m too old to learn a foreign language.”

    First, you’re never too old…

    In fact, learning a new language is now an accepted practice for successfully fending off the symptoms of Alzheimer’s… so working that noodle in your head on some new words has a double benefit.

    Of course, Europe is a very educated region of the world, English is the new lingua franca… and, frankly, they get Netflix here…

    The English language is the lingua franca of Europe… but try to learn at least a few new words…

    That means most young locals speak English, and many professionals such as lawyers and doctors know it.

    Plus, few places in the world have as strong and as established a foreign English-speaking community as Europe. Needless to say, you’ll find a giant expat population here.

    I wholeheartedly suggest that you try to learn the language of your new country, but you can certainly get by without it.

    “Weaving Dreams…”

    Kathleen, just wanted to tell you that everything I get from you is like a ray of hope. I see it and am reminded that I still have options to control my future…

    “Thank you for the service you provide.

    ‐‐Layne B.,
    United States

    Think of Europe as the vault of crown jewels of overseas havens…

    Are you really willing to miss out on the treasure well within your grasp?

    To give up your dream on Old World living?

    This opportunity is simply too tempting to ignore…

    Of course, you need plenty of good information and insight, and you have important decisions to make…

    And, mostly, you just want to make sure you get it all right when it comes to organizing a move to Europe—and your reinvented life here.

    Let’s face it… the whole thing would be very daunting—even overwhelming—if you were doing it all on your own.

    But you don’t have to.

    Instead, you can tap into honest and current information, insights, and advice, all in one place…

    NOV. 20- 22, 2024

    Discover Europe’s Best Places To Live
    (Warts And All)…

    Join us and get to know Europe’s best places to live—”thin sliced” to exact places that are irresistibly affordable.

    Via high-definition video, you’ll see and hear from professionals, expats, and retirees who are already working, investing, or living in these places…

    All from the comfort and convenience of your own home.

    This is not a series of webinars… this is a professional event that happens to be online. You’ll be able to interact with speakers as well as your fellow readers via chat rooms and forums, along with a virtual “raise your hand” option to ask your questions during discussions.

    The event will give you a comprehensive, in-depth view of these places that outsiders and tourists simply don’t know.

    This online event has two major objectives:

    #1: To help you find out where in Europe is best for you

    #2: To give you the knowledge, support, and contacts necessary to make a move with confidence—that is, to create a plan...

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    Find the security that comes with knowing exactly the types of lifestyles you can enjoy… and on budgets that start around $1,500 a month…
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    Get to know each of your best options for living well in Europe as a foreigner… from Mediterranean island shores to lavender fields in France…
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    Discover where you can tap into free health care, with award-winning facilities and English-speaking doctors…
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    Find out how you can save thousands—tens of thousands—by buying undervalued properties in off-the-radar markets
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    See examples of homes you can rent… some start less than $500 a month…
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    Learn where the best property investment markets are… and where you get a mortgage as a foreigner

    Whatever your agenda, you’ll end the event prepared and confident, with all of the practical matters at your fingertips. From residency to taxes, from banking to real estate, you’ll leave this conference ready to take action.

    And, most importantly, you’ll benefit from the experience of those who have gone before you. At this conference you’ll hear from seasoned expats who were once in your shoes.

    What exactly is an online event?

    This is an opportunity to get to know your best options abroad without all of the expenses and hassles for travel…

    …for a fraction of the cost of an in-person event.

    Thanks to our top-end online event system, you’ll have unique video access to experts from around Europe to help you with every possible endeavor.

    Since it’s all over video, you’ll never miss a thing with instant video playback available to you at all times.

    Unlike other virtual events, you’ll be able to ask questions and interact directly with all of our experts.

    And, best of all, we’ll have experienced professionals and current retirees to show you what life is really like in each place.

    With online events, you save time… you save travel hassle… and you save money when compared to an in-person event.

    Plus, if you want to see the cities and properties firsthand, you can join one of the optional (virtual) real estate tours and see the lay of the land for yourself.

    If you’re considering Europe as place to live or invest, this Live and Invest in Europe Virtual Conference is a must-attend event for any responsible plan…

    Your satisfaction is always secured via our 100% Money Back Guarantee.

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    Our Promise To You

    The Live And Invest In Europe Virtual Conference will give you the insights and the contact network you need to make the right decisions in Europe—guaranteed.

    You’ll get private online access to every discussion, panel debate, and presentation, as well as direct access to all our experts…

    All in one place where you can also chat with about 100 of your fellow readers.
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    “This is not crazy!”

    I loved hearing stories of expats…

    These are people who actually walked the walk and show people like me that this is not crazy.

    ‐‐Ellen Zucker, United States

    “We Knew We Could Never
    Afford To Live Like This In America…”

    Allen Freeman drinks his coffee on the spacious balcony every morning.

    He looks out at the aqua-blue waters of the North Atlantic…

    And listens to the tide come in over and over again, closing his eyes to take in the sounds and smells of the incoming breeze.

    “We knew we had to retire overseas,” he says.

    In some places in Europe, such as our top choice in Portugal, you can live cheaper than back home…

    “It’s cheaper and easier. And with all the chaos back home, we were ready to take that step.

    “It was the right time. We just… didn’t know where.”

    For years, he and his wife Linda had researched far and wide for a place to call home…

    The European options they’d heard about were almost an afterthought… until they realized it was cheaper and safer than back home.

    Indeed, despite being one of Europe’s top destinations, they learned that Portugal had everything they always wanted…

    “We are in gorgeous Silves, nestled in the Algarve region. A little walk and we’re in Old Town, where we can take a coffee break, get some sun, and avoid tourism.

    “There’s a castle, a cathedral, museums, tons of beaches…

    “Having our own villa a few blocks from the beach is a dream we couldn’t afford in America.”

    Here on Europe’s western-most coast, Allen and Linda can live the retirement they’ve always wanted and then some.

    Former teachers, they had never led expensive lives, and they weren’t ready to start in retirement.

    But what they weren’t prepared for was how cheap Europe actually could be…

    During the 2024 Live And Invest In Europe Virtual Conference, we’ll discuss your best options in Portugal, and dozens of other places where you can live Old World or Mediterranean life at a discount…

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    You Are Straight To The Point

    Kathleen… you guys are more straight-to-the-point and less hard-sell, which I appreciate at age 76..

    ‐‐Walt B.,United States

    How To Spend LESS In Europe
    Than Latin America…

    The Founder of Live And Invest Overseas, Kathleen Peddicord, anticipated a big jump in her cost of living when she moved to Paris.

    But life in France turned out to be more affordable than what they paid each month in Panama:

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    In Latin America, a car is almost always a requirement. That means paying for a car (preferably an SUV, which costs more), and then paying for insurance, maintenance, and gas. In Paris and most cities in Europe, where walking is a free pleasure and the metro is cheap, their transportation costs dropped to nearly zero
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    City living in Europe means living in a smaller home. Practically speaking, it meant she couldn’t go on shopping sprees to fill spaces and rooms with new furniture and bric-a-brac. It also means she didn’t need the same help with household chores, nor the cost of a maid
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    Europe prides itself on fresh, whole foods. Aside from being healthier, the open-market food in Europe is much cheaper than processed or frozen foods popular in many parts of the world…
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    In Europe, your utility bills can plummet. As I said before, you’re living in a smaller dwelling. But in Panama, Kathleen also ran the A/C nearly 100% of the time thanks to year-round sun and warm weather. With more temperate climates, the majority of Europeans opt for fans over air conditioning…
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    Some of the best entertainment in Europe is cheap or free. Whether its people watching at a café, relaxing on a beach, heading to the museum on monthly free-days, or reading a book in the park, Europe boasts plenty of free activities to keep you happy…
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    REGISTER AT THE LOWEST
    RATE POSSIBLE NOW

    “My life is about to change”

    Thank you for the awesome experience.

    “I know my life is about to change. Thank you for your honesty…

    ‐‐Dora Montelongo,United States

    Yes! Americans Are More Than Welcome…

    Counter to much of what we Americans might believe, Europeans do not dislike American expats for the most part.

    For one, the British get the brunt of the looks. Plenty of history there, but our somewhat shared (Anglo-Saxon, as the French would say) culture tends to have high highs and low lows. Europeans only see the British lows in person…

    Watching the news is another story.

    Regardless, after many years living here first as a child, and then eventually as a mother, I’ve met a wide range of Europeans from all walks of life.

    Here are the biggest reasons Europeans give for why they like Americans:

    Friendly and “always smiling”… there was a time when smiling at strangers in Europe would cause them to think you might be drunk—and, to be fair, it’s still the case in some places…
    Generous and helpful… I can’t stress this enough: hotel and restaurant staff LOVE Americans (a direct effect from our habit to tip). Americans are also seen as willing to help strangers, which brings me to my next point…
    Outgoing and talkative… as with everywhere, this is a double-edged sword. Not everyone is happy to chat. Still, bartenders, hair stylists, and others tend to jump a chance to practice their English and learn more about America…
    Organized and respectful… Americans are rule-followers by and large. We’re not going to run a red light, for example, and we’re not going to try to skip ahead to the front of line (both of which are popular behaviors of expats from other parts of the world)…

    Of course, here’s what Europeans don’t like about Americans…

      Loud talking… Americans are famous the world over for the volume of their speech. Try to keep it down, and avoid yelling into your phone, and you’ll get by just fine…
      Tipping… the locals certainly do not want tipping to become popular—yet I have noticed more and more tip jars around…
      Not trying to speak the language… with English firmly entrenched as the lingua franca in Europe, you certainly won’t be judged poorly for lack of local fluency. But you’re going to want to learn the basics to show you’re trying. Know how to say “Hello,” “Please,” “Thank you,” and “Do you speak English?” in the language of your home country…
      Confrontational… when you’re outgoing, that friendliness can turn quickly when you feel you’ve been wronged. Subtle and passive aggression is the norm here. That said, call out one of those aforementioned line-cutters, and you’ll get your share of thanks from strangers…
      Of course, these are only some examples of the “do’s and don’ts” you should keep in mind when spending time in Europe... individual regions and countries can vary widely in their norms…

      We’ll go over many more, including specific ones in our top choices, and we’ll answer every question you have, during the Live and Invest in Europe Virtual Conference…

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      LEARN MORE ABOUT THIS EVENT

      “At Last, I Can Use My Passport!”

      I loved hearing stories of expats…

      I’ve had my passport in my handbag for the last 27 years. You have showed me the way to use it… and how. Thank you!”

      ‐‐Ellen Zucker, United States

      How Smooth Can Your Transition To
      A New Life In Europe Be?

      Very smooth… if you’re prepared and have made decisions right down to the details.

      It’s why we’ll put at your fingertips information specifically focused on specially selected destinations…

      It’s why we‘ll “go deep” in regard to a combination of key considerations (haven-focused rather than country-wide)—taking you far beyond any touristic guidebook offerings.

      And the best part of all this information?

      It’s not sugarcoated. It’s the real deal. We give it to you straight—”beefs,” “bouquets,” and everything in between. Then you can decide for yourself…

      The decision of “where” is ultimately yours, but we’re going to do our very best to ensure you have all of the best information available in the most easily-digestible format available.

      If preparation is the #1 key to success, then confidence is a close #2…

      We’re going to give you both during the Live and Invest in Europe Virtual Conference.

      You’ll get a firm idea of the order of events for actually making the move. We make sure that once you set your sights on your dream destination, you know the next steps to take toward getting there.

      “Keep Up The Good Work”

      I’ve enjoyed your descriptive writing and fabulous relocation tips for some time…“Your recent… Two Affordable, Turn-Key Retirement Options In Europe… was perfect. Keep up the good work.”

      ‐‐Charles W.,United States

      At Your Service…
      A Sneak Peek At Some Of Your Experts

       Kathleen Peddicord 

      Live And Invest In Europe Conference MC and Founding Publisher of Live And Invest Overseas Expat in France and Ireland
      Kathleen has covered the live, retire, and invest overseas beat for more than 35 years and is considered the world’s foremost authority on these subjects.

      She has traveled to more than 75 countries, established businesses in 7, and invested in property in 21. Thanks to these adventures abroad, Kathleen has been able to assemble an unparalleled network of global contacts, colleagues, friends, experts, resources, and advisors.

      Kathleen has moved children, staff, companies, household goods, and pets across three continents, from the East Coast of the United States to Waterford, Ireland… then to Paris, France… and, then to Panama City, Panama. Today, Kathleen and her family officially divide their time between their homes in Paris and Panama… but are most often on the road, traveling the globe and spending time wherever life takes them.

      Kathleen also writes regularly for U.S. News & World Reports and Forbes and is regularly quoted by The New York Times, Money magazine, The Economist, the AARP, and beyond. She has appeared often on radio and television and has written innumerable books (including her Amazon best-seller, “How To Retire Overseas,” now in its Second Edition with Penguin Random House), reports, and essays on where and how you can escape the retirement-tromping economy at home and live like royalty on a modest budget… invest for profits overseas ahead of the crowds… and secure your dream retirement in the world’s best destinations.

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      Lief Simon 

      Global Real Estate Investor and Offshore Diversification Expert
      Expat in France and Ireland
      Lief Simon is Live and Invest Overseas’ resident real estate investing and offshore diversification expert. His twice-weekly free newsletter, Offshore Living Letter, covers both topics with direct and easy-to-understand language.

      Lief has lived and worked on 5 continents and traveled to more than 50 countries. His real estate investing experience began around 20 years ago with a multi-unit building in Chicago.

      After selling that building for a leveraged total return of more than 1,800% in 2 ½ years, Lief began to diversify internationally. In the two decades since, Lief has purchased more than 45 properties across 21 different countries. He has developed land, managed rentals, and flipped pre-construction buys.

      Lief has more experience buying and profiting from real estate around the world than any other individual investor you’re likely to find.

      In addition, Lief specializes in offshore diversification, asset protection, and tax mitigation. Over the last 20 years living and doing business around the world, he’s built a network of reliable and expert contacts he trusts on such matters—attorneys, bankers, tax consultants, and other advisors, both Stateside and in the jurisdictions where he spends time and money.

      You’ll get to meet many of these trusted contacts, alongside Lief, during the Live And Invest In Europe Virtual Conference.

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       Kat Kalashian 

      Editor-in-Chief at Live and Invest Overseas
      Expat in France
      Kat has grown up around the world, living in the United States, Ireland, France, and Panama. Growing up as a young expat, she is familiar with the trials and tribulations of an overseas move and the adjustments that must be made in every new destination. Living and learning through experience, she now considers no one place home and feels more comfortable in new environs than in familiar ones.

      After living in the tropics of Panama for seven years, she and her husband relocated back to Paris, France, in 2018, where they now live full-time with their new daughter, American cat, and Panamanian dog.

      At this year’s Live And Invest In Europe Virtual Conference, Kat will introduce you to some of her favorite corners of Europe and be part of our big-topic panel discussions where she’ll share her hard-earned secrets to expat survival.

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       João Gil Figueira 

      International Tax Attorney
      Native of Portugal
      João Gil Figueira (JD, LLM, MMgt) is an international tax lawyer and business consultant who advises multinational firms and individuals regarding taxation, residency, and asset protection in Portugal and in Portuguese-speaking countries. He is the appointed Managing Partner of the Lugna firm.

      João is also a professor of Taxation in the Masters Programs (Finance, Management, and Law and Management Programs) of Nova School of Business and Economics, a top Financial Times ranked University in Lisbon. He has authored several legal books, articles, and guides on Portuguese business and tax law.

      He is experienced in providing comprehensive and well-rounded advice on living and investing in Portuguese-speaking jurisdictions.

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      Dennelle Taylor Nizoux 

       Expat Relocation and French Property Market Expert
      Expat in France 

      Coming from Southern California, Dennelle has been living in France full-time since 2000. She likes to say she is living the California Dream in the South of France.

      After a university exchange year in Aix-en-Provence left her madly in love with France, she later jumped at a chance for a job position in Paris. After a decade there, she had a French husband, a flat in Paris next to the Bois, and two little Franco-Americans.

      In 2010, her family moved to sunny Montpellier in the south of France.

      Noticing the high demand for an English-speaking relocation service, she started her own business in 2015 to help retirees and others dreaming of a French lifestyle. To help clients navigate the French real estate market, she also got a Bachelors in Immobilier in 2016.

      Dennelle will be on hand during the event to handle EVERY question you might have about moving to and living in France.

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      Monia di Guilmi

      Founder and Director of Abruzzo Rural Property
      Native of Italy
      Monia moved from Northern Italy to the Abruzzo region when she was five years old and considers herself a true Abruzzese. After studying in the U.K. and living in Spain, she became fluent in English and Spanish and developed a passion for the countryside and country properties. She also has lived in Japan.

      After a decade abroad, Monia’s love for Abruzzo finally brought her home again where she soon found herself working for a local real estate agent as an English/Italian interpreter and translator. This was a stepping-stone to starting her own real estate company: Abruzzo Rural Property.

      Since its inception in 2012, Monia and her team have helped hundreds of clients from all over the world buy homes in Abruzzo, and, today, Abruzzo Rural Property is one of the fastest-growing real estate agencies in Abruzzo.

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      Luis Teixeira Da Silva 

      Founder and Director, Algarve Senior Living and Director of Luz Living Native of Portugal

      Luis da Silva has more than 30 years of business experience. He has lived in 9 countries (including the United States, U.K., Brazil, and Portugal) and worked in more than 30 markets around the globe.

      With almost 20 years of experience in international real estate markets, his focus during the last decade has been on senior or retirement living. He is the founder and Director of Senior Living Villages, and co-founder and Director of Portugal Senior Living and Spain Senior Living. 

      These businesses provide a broad range of solutions to the retiree or senior (50+) market in Portugal and Spain.

      Luis is an expert on a range of subjects affecting international retirement migration, including real estate (purchase and rental), residency visas such as income based and Golden Visas, investment, climate, etc., with a unique ability to comment on the pros and cons of different destination markets. He is actively involved as an investor in, and has detailed knowledge of, investment opportunities in the senior or retirement living sector.

      If you’re interested in Portugal or Spain, Luis will be the guy to speak with during the Live And Invest In Europe Virtual Conference.

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      Graham Bates

      President, Insurance Services of America
      Expert in Expat Health Insurance 

      Graham has been in the insurance business for 50 years. His firm, Insurance Services of America (ISA), has specialized in international health insurance since 1995 and has won first-place rewards for every company he has represented since that time.

      Last year, ISA helped insure over 60,000 people either traveling in or outside the United States or moving overseas.

      ISA has an A+ Better Business Bureau, 5 Star rating, and a more-than-99% customer satisfaction rating. To better serve their clients, ISA has offices located in Arizona, Indiana, and Texas. Graham has a son in the business and has been married to his wife, Rebecca, for 53 years.
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      Mike Herndon

      Expat in Spain
      Mike is an unmarried “son of the South” who lived in Tennessee and Florida before leaving the U.S.A. in March 2016.

      He explored 47 states and 35 countries before finding “home” in Valencia, Spain, at the age of 65.

      He has worked as a sales manager, corporate trainer, real estate broker, and a small business owner (twice). And, after renting living spaces on 4 continents in 8 countries between 2014 and 2018, he is now writing a book about his rental experiences.

      Current aspiration? He is looking for a cottage in a country (yet to be determined) that has cool weather through summer and a festive spirit in winter—a place he can spend several months each year to take a break from the urban life in Valencia.

      We’ll try to help him find the right place during the event!

      “Extremely Worthwhile”

      I feel that the Conference was extremely worthwhile, both in terms of information received and cost. I am just beginning to explore the possibility of retiring overseas and, after attending the Conference, I can’t wait to get started.

      “The conference was extremely helpful as a first step in considering all of the options that are available to me. I didn’t even know what they were until your conference. Also, as a single woman moving alone, you quelled my concerns over safety in the areas that I will be considering. I look forward to receiving additional information from you to assist me as I proceed with my move.”

      ‐‐Alice G., United States

      The 2024 Live And Invest In Europe Virtual Conference has been designed to give you the expert information and insider access that you need to make the most important decisions about your new life in Europe.

      Whatever your goals, you’ll come away with the locations and insights you need to start your journey…

      The insights and wisdom you need to sidestep the usual mistakes and challenges…

      And a support system that could very well be critical to your success and happiness on The Continent.

      Don't forget, you’re protected by my 100% Money-Back, No-Questions-Asked Guarantee.

      If you’re not happy with the event (or if you need to cancel), just let us know and I’ll send 100% of your money back to you.

      You know, a friend of mine, Lee, retired overseas 20+ years ago at the age of 49.

      His motto?

      “Go when you’re able… not when you’re comfortable.”

      It’s incredibly sound advice…

      And Lee, who recently made his fourth international move, has never looked back.

      In fact, in the many combined decades of the Live And Invest Overseas team no this beat, we’ve never met anyone who experienced such a disaster that they packed up, went home, and regretted the entire experience

      The only complaint we hear from expats is that they wish they had done this sooner—that they wasted precious years of their lives deliberating and waiting for the “perfect time.”

      So, whether you’re planning to dip a toe with a vacation home in Europe…

      Or to go the whole hog with a full-time move…

      My advice is to act sooner rather than later, and see where that takes you…

      I urge you to give yourself the best start—sooner than later and in the best company—during our Live And Invest In Europe Virtual Conference.

      I hope to see you log on.

      Sincerely,

      Kat Kalashian
      Chief European Correspondent, Live and Invest Overseas
       

      Here’s What’s Included In Your Registration

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      Complete access to 3 full days of interactive education and networking to help you make the right decisions about a new investment or life in Europe, including specific insights and suggestions on towns, cities, and regions in our top 9 havens here: Portugal, Spain, France, Ireland, Cyprus, Montenegro, Northern Cyprus, Greece, and Italy…
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      Your access to it all is via high-definition video… for both individual workshops and our popular panel discussions, as well as virtual tours for specific properties and regions…
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      Everything is recorded instantly for On Demand playback. Log in and out with ease for live, high-definition-video access to everything, including the individual deal presentations and our popular panel discussions…
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      Via online chat rooms and workshop participation, every attendee will have a chance to ask as many questions as they want. And every attendee will get access to contact information for every expert…
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      You’ll get contact information for our attorneys, property pros, investment advisors, tax specialists, bankers, and retirement consultants…
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      Once the event is over, every attendee will receive a complete set of professionally edited video recordings—you’ll have lifetime, on-demand access with the option to download everything…
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      Your satisfaction is guaranteed—for the education portion, the experts, and the event system itself. You’re also fully protected if you decide to cancel before the event starts. Depending on the timing of the request, we’ll either give you a full credit or refund 100% of your money…
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      You won’t have to spend money on travel and hotels, and neither will we. We’re shifting those savings to you, and the result is an admission fee that is 1/3 of the cost of our on-the-ground event
      This is not a series of boring and overcomplicated university lectures…

      This is straight-talking, tell-me-how-to-do-it information that everyone can understand.

      Join us and you’ll leave the event ready to take action. Guaranteed.

      Wait no longer: Save your seat now…

      “It was a great conference”

      Thanks so much. It was a great conference… better than expected. I will certainly recommend them to others and will probably attend another one myself!

      ‐‐Karen Kirby, United States

      OUR FOUNDER’S PERSONAL GUARANTEE

      From Kathleen Peddicord

      This the easiest and best way to help you consider, design, and follow through on the plan and strategy that suits you best in Europe.

      Right now, you’ll have to take my word for it…

      However, if, after experiencing our Live And Invest In Europe Virtual Conference, you don’t agree—no problem…

      You’re fully protected by our 100% Money-Back, No-Questions-Asked Satisfaction Guarantee.

      Likewise, there is no cancellation fee if you change your mind.

      As you can see, the risk is all mine… you have nothing to lose and everything to gain…

      Click the button below to learn more and to RSVP… it takes less than a minute…

      Frequently Asked Questions

      • If you’re looking for a new life (or investment) in a beautiful, friendly, and affordable place without having to pay a king’s ransom—then YES, this is the event for you.

        That said, head’s up: no place is perfect... and living abroad comes with its share of challenges. We’re going to show you the perks, of course, but also the downsides… so you can be prepared and decide whether or not they’re deal breakers for you.

        You’ll come away from the Live And Invest In Europe Virtual Conference with the knowledge, support, and contacts necessary to make a move to Europe with confidence.

        Furthermore, we’ll be addressing both attendees who have already considered Europe and those who are just beginning. In other words, we’re covering everything from the basics (like currencies and time zones) to the advanced (like taxes and residency).

      • All the information, video sessions, and expert interaction is done online.

        Our professional online event system features an online chat system, and every talk will have a question center…

        During most presentations, we’ll take time to address the question over live video. We also have time slots set aside for general Q&A sessions.

        In addition, everything is recorded instantly for on-demand playback. Access to these recordings is yours for life—you can even download the videos to your device if you prefer.

        Elite Attendees: Your bonus videos and guides on living and investing in Europe will be available via both your MyLibrary account and an Elite-only section of the Virtual Conference website. You’ll be provided instruction to access your Elite package, but our Elite Events Concierge is standing by if you need additional support.

      • The event features three full days of discussion taking place over Wednesday, Thursday, and Friday, Nov. 20-22.

        We start early every morning around 9:00 a.m. ET, and we’ll end around 5:00 p.m. ET. Please note that speakers and schedule may be subject to change.

        And remember that every session is recorded and available for on-demand playback… so you’ll never miss anything if you can’t join us live.

      • A 100% Money-Back, Satisfaction Guarantee is in place.

        We are completely confident in the information you’ll access during the event.

        Right now, you’ll have to take our word for it. However, if, after attending our Live And Invest In Europe Virtual Conference you don’t agree—no problem...

        Like everything we publish, it comes with our No-Hassle, Money-Back Satisfaction Guarantee. We’ll refund your money 100% if you ask before the end of the first day. Any refund requests after the deadline will be granted on a full credit basis toward other Live And Invest Overseas events or publications.

        Likewise, there is no cancellation fee prior to the event’s start.

      • Yes! Right now, the Early Bird discount is available, saving you $200 off the regular price—a whopping 34% off. However, this discount will only be available for a limited time.

        Act now and you’ll get complete access to the entire event, including the recorded coverage of everything afterwards, for only $595 $395.

        If you are an active subscriber or member of Overseas Living Letter, Panama Letter, Portugal Letter, Simon Letter, Global Property Advisor, or Overseas Living Unlimited, you may qualify for a further discount…

        You can also call us, toll-free from North America, at 1-888-627-8834… or, internationally, at 1-443-599-1221. You can also get in touch now by email here.

      • Yes! Our Events Team would love to hear from you…

        Led by Conference Manager Makeyra Davis, our staff can help you every step of the way.

        They can find an answer to every question you have about the event, including the discounts for which you qualify…

        Get in touch now! Send us an email or call us, toll-free from North America, at 1-888-627-8834... or, elsewhere, at 1-443-599-1221.

      Reach us with questions and comments at CustomerService@liveandinvestoverseas.com 
      or by phone, toll-free from the United States, at 1-888-627-8834.
      Copyright © 2008-2025 Live and Invest Overseas, Founding Publisher Kathleen Peddicord
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