On a hill above Cotacachi, at a bend in the road overlooking an impossibly green valley, someone has painted a sign on a post. It says " Dios esta aqui." God is here. No matter what your religious beliefs, this place makes you believe in a higher power.
My husband, Dan, and I will soon celebrate 11 years of living the expat life. We've lived in seven different locations (in Mexico, Nicaragua, Panama and Ecuador) and spent a considerable amount of time in many, many more - especially Belize and Costa Rica.
No matter what happens this November or in the four years that follow, one thing is for sure: your Medicare coverage won't be going with you should you decide to retire overseas.
This year, 2012, marks the first year since 2009 that U.S. retirees will finally see a cost-of-living adjustment ( COLA) of +3.6 percent in their Social Security benefits.
I first met Laura and Joel (not their real names) a decade ago on the shores of Mexico's Lake Chapala where they were vacationing. He was retired and she was happily working as a network television sales executive. He wanted her to quit her job and move to Mexico with him and she was having none of it.
"I don't like being called an ex-patriot," my friend Jack said. He's a former elected official and about as red-white-and-blue as they come. His wife is a former trial judge. But now they're retired and living in Ecuador...for the adventure, the pleasurable lifestyle, and the lower cost of living.
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