Belize_ the Top English Speaking Retirement Haven in the Caribbean

8/2/2019 Belize_ the Top English Speaking Retirement Haven in the Caribbean

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Belize: The Top English Speaking

Retirement Haven in the Caribbean

Dear Reader,

Belize sets itself apart from its neighbors in several waysnot least of which is the fact that

the population living in Belize speaks English. It makes living and doing business here easy.

Whats more, Belize is a small, peaceful country where you can beat the bureaucratic beasts

by simply walking into the Minister of So-and-Sos office and sitting down to talk things out.

Belize: The Top English Speaking Retirement Haven in the Car... http://www1.internationalliving.com/sem/country/belize/rep

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In many ways, this country is like a big small town. Its far-thinking banking laws have given

the nation a distinct advantage when it comes to banking privacy. In an age when the

accounts in other jurisdictions are under attack, those in Belize remain securewhich is no

mean feat.

While its true that Belize is not the most affordable place to buy property, this country offers

economic stability, ease of living, and a cost of living that, while not dirt-cheap, is

nevertheless good value when you compare it with that of other Caribbean retreats.

Belizes retiree program offers attractive incentives to foreigners looking to live in Belize

particularly those who are already planning to declare their permanent residency outside

the U.S.

Plus, Belize is just plain beautiful. From its Caribbean shores to its jungle interior, this nation

has great natural beauty to recommend itblue water and deserted beaches, and inland

retreats where jaguars and scarlet macaws still live in their natural habitats.

We have compiled this special report to give you a taster of what Belize is all about. Read on

and take a look at what this beautiful country can offer you.

Yours sincerely,

Jackie Flynn

Publisher,International Living

Table of Contents

Fast Facts

Communications

The Economy in Belize

Where to Buy Real Estate in Belize

Buying Real Estate

Belize Health Care

Visa Requirements


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Embassies

Retiree Benefits in Belize

Cost of Living in Belize

Taxes in Belize

Financial Matters

Moving to Belize

Expat Contacts

Travel Info: How to Get to Belize

Making Money in Belize

Fast Facts

History: Belize was the site of several Mayan city states until their decline at the end of thefirst millennium A.D. The British and Spanish disputed the region in the 17th and 18th

centuries; it formally became the colony of British Honduras in 1854. Territorial disputes

between the UK and Guatemala delayed the independence of Belize until 1981. Guatemala

refused to recognize the new nation until 1992 and the two countries are involved in an

ongoing border dispute. Guatemala and Belize plan to hold a simultaneous referendum to

determine if this dispute will go before the International Court of Justice at The Hague,


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though they have not yet set a date.

Learning from its colonial past, the government of Belize has sought to preserve the

countrys natural beauty and resources while encouraging tourism and the immigration of

new residents with the means to support themselves. Tourism has become the mainstay of the

economy.

Location: Central America, bordering the Caribbean Sea, between Guatemala and Mexico.

Area: 8,867 square miles (22,966 square kilometers).Slightly smaller than Massachusetts.

Population: 321,115 (July 2011 est.)

Capital: Belmopan

Geography: Flat, swampy coastal plain; low mountains in south.

2012 Google -

Map data 2012 Google, INEGI -

View Belize in a larger map

Climate: Tropical; very hot and humid; rainy season (May to November); dry season

(February to May).

Government: Parliamentary democracy and a Commonwealth realm.

Chief of State: Queen Elizabeth II (since 6 February 1952); represented by GovernorGeneral Sir Colville Young, Sr. (since 17 November 1993)

Head of Government: Prime Minister Dean Oliver Barrow (since 8 February 2008)


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Language: Spanish 46%, Creole 32.9%, Mayan dialects 8.9%, English 3.9% (official),Garifuna 3.4% (Carib), German 3.3%, other 1.4%, unknown 0.2% (2000 census)

Religion: Roman Catholic 49.6%, Protestant 27% (Pentecostal 7.4%, Anglican 5.3%,Seventh-Day Adventist 5.2%, Mennonite 4.1%, Methodist 3.5%, Jehovahs Witnesses 1.5%),

other 14%, none 9.4% (2000)

Time Zone: UTC-6 (1 hour behind Washington, DC during Standard Time)

Emergency numbers: In case of any emergency, dial 90 from anywhere in Belize. This willconnect you to the police.

Communications

Telephone system: Above-average system; trunk network depends primarily on microwaveradio relay. Domestic system: fixed-line teledensity of 10 per 100 persons; mobile-cellular

teledensity roughly 55 per 100 persons

International country code: +501

Cell phones users:161,800 (2009)

Internet users:36,000 (2009)

Internet country code:.bz

Internet/e-mail: Cybercafs are becoming more and more common in Belize. Youll findcybercafs in most of the major towns and tourist destinations.

The Economy in Belize

Tourism is the number one foreign exchange earner in this small economy, followed by

exports of marine products, citrus, cane sugar, bananas, and garments. The governments

expansionary monetary and fiscal policies, initiated in September 1998, led to GDP growth

averaging nearly 4% in 1999-2007. Oil discoveries in 2006 bolstered this growth.

Exploration efforts have continued and production has increased a small amount.

In February 2007, the government restructured nearly all of its public external commercial

debt, which helped reduce interest payments and relieved some of the countrys liquidity

concerns. Growth slipped to 0% in 2009 and 1.5% in 2010 as a result of the globalslowdown, natural disasters, and the drop in the price of oil. With weak economic growth and

a large public debt burden, fiscal spending is likely to be tight. A key government objective

remains the reduction of poverty and inequality with the help of international donors.

Although Belize has the second highest per capita income in Central America, the average

income figure masks a huge income disparity between rich and poor. The 2010 Poverty


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Assessment shows that more than 4 out of 10 people live in poverty. The sizable trade deficit

and heavy foreign debt burden continue to be major concerns.

Labor force: 120,500

Labor force by occupation: Agriculture: 10.2%Industry: 18.1%

Services: 71.7% (2007)

Exports: $404 million (2010 est.)

Export commodities: Sugar, bananas, citrus, clothing, fish products, molasses, wood, andcrude oil.

Imports: $740 million (2010 est.)

Import commodities: Machinery and transport equipment, manufactured goods; fuels,chemicals, pharmaceuticals; food, beverages, and tobacco.

Where to Buy Real Estate in Belize

Ambergris Caye

Ambergris is the largest island in Belize at 25 miles long and a little over a mile wide, and

San Pedro is the only town. About 30 years ago, Ambergris Caye became a hotspot for divers

and fishermen thanks to the Belize Barrier Reef, just a half mile offshore. This natural

wonderland of living coral supports a dizzying array of marine life, and its the main reason

Ambergris Caye has seen its recent incredible growth.

Until just a few years ago, San Pedro was a little fishing village that catered to adventure

tourists coming for the scuba-diving and deep-sea fishing. The main motorized transportation

on Ambergris Caye at that time was golf carts. Today San Pedro is the second-largest town in

Belize District with more than 12,000 people, surpassed in size only by the former capital,

Belize City.

Property samples in Ambergris Caye:

A one-bedroom, one-bathroom condo that needs some fixing up. The residence is on

the ground floor of a nine-unit building near the islands airstrip on the south side of

San Pedro. Price: $100,000.

A three-bedroom, two-bathroom home in the San Pablo area of Ambergris. Along with

air conditioning, cable TV, and Internet this property also has a patio/deck and its own

private pool. With a total area of 1,450 square feet, this house has plenty of living

space. Price: $197,500.

Placencia


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Placencia is actually a long peninsula and has three population centers. Maya Beach is the

northernmost and isnt really a townjust a hodge-podge of small hotels and restaurants and

a few small supply shops. In the middle of the peninsula is the Garifuna village of Seine

Bight. Placencia Village at the southern tip of the peninsula, although no bigger than Seine

Bight, is where the action is. It has about 600 full-time residents clustered in colorful

Caribbean-style homes on stilts built on either side of the sidewalk referred to as MainStreet.

Property samples in Placencia:

A waterfront house in Placencia.This two-story residence is located at Maya Beach,

about halfway up the peninsula. With two bedrooms and two bathrooms, the house

features a pool, a boat slip, a large garage and ample storage space for full- or part-time

residents. Price: $229,000.

Buying Real Estate

Purchasing procedure

Once you find property that you want to buy, don't delay in making an offer. With the help of

a real estate agent, prepare an Offer of Purchase to present to the property owner. The order


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should include your name, the name of the seller, the propertys legal description, the

purchase price you're offering and the terms of the deal. You submit this with a deposit

usually 10%.

Buying restrictions

Except for nationally protected land, Belize places no restrictions on foreign ownership of

real estate.

Renting in Belize

AtInternational Living, we always recommend that you rent before you buy. Before you

plunk down money on a house or condo in a new place, stay awhile and see if it suits your

needs. Start your search for a rental on the Internet. Youll find plenty of websites out there.

Some real estate agents in Belize might offer rental properties.

The classified section of online local newspapers is also a good source (especially to get a

feel for prices).

Belize Health Care

When Dean Barrow was running for prime minister, he was quick to address the problem of

inadequate health care in many parts of Belize. Now that Barrow is in office, his government

has planned several initiatives to solve the problem, especially improvements at the countrys

best known medical facility, the Karl Heusner Memorial Hospital in Belize City.

Belizeans acknowledge, however, that it will take many years before the countrys health

care system is on the same level with medical treatment in the neighboring countries of

Mexico and Guatemala.

If youre considering a visit or a move to Belize, rest assured that most minor ailments can be

treated quicklyand cheaplyat doctors offices and clinics that can be found in all but a

few remote areas. People who suffer from serious conditions can be taken to private clinics

such as Belize Medical Associates (website: www.belizemedical.com) or Belize Health Care

Partners (website: http://belizehealthcare.com). Both of these facilities offer excellent

services and costs are still very reasonable. Belize does have a number of public hospitals but

most expats prefer to use the private clinics.

But since all these facilities lack the quality care of hospitals in the U.S. and neighboring

countries, some many expats leave Belize for more complicated types of medical treatment.Many American retirees, for instance, return home for a few days whenever they want to take

advantage of Medicare. Some expats also go to Chetumal and Merida, just north of the

border in the Mexican state of Yucatn, and to Guatemala City and Antigua in Guatemala.

Visa Requirements


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Tourist visa: When you visit Belize, theres no need for a tourist visa if youre a citizen ofthe U.S., Canada, a country in the European Union or the Caribbean Community

(CARICOM), Australia, Hong Kong, Mexico, New Zealand, Norway or Venezuela.

If youre from one of these countries, you can stay 30 days without a visa. To stay longer,

you pay $25 a month for the first six months and $50 a month thereafter.

The Qualified Retired Persons Program: Many expats in Belize choose this residencyprogram.To take advantage of this visa, you have to be at least 45 years old and have a

monthly income of at least $2,000 from a pension or annuity (including Social Security)

generated outside of Belize. Despite the name, you dont necessarily have to be retired.

To qualify, you can from any country in the world and can also include your spouse and

dependents under the age of 18 in the program.

Permanent Residency Visa: In order to obtain Permanent Residency status, you must live inBelize for at least one year. To do this, enter the country on a tourist visa, apply for residency

and then renew your visa until residency is granted. You must also pay a non-refundable fee

of $1,000 if youre American. The amount for other nationalities varies.

Embassies

U.S. Embassy in Belize,Floral Park Road, Belmopan, Cayo, Belize; tel. +501

822-4011; fax +501 822-4012; e-mail: [email protected]; website:

http://belize.usembassy.gov/.

Belize Embassy in the U.S.,2535 Massachusetts Avenue, NW, Washington DC 20008;tel. (202) 332-9636; fax (202) 332-6888; e-mail: [email protected]; website:

www.embassyofbelize.org.

Canadian Embassy in Belize,Consulate of Canada, 80 Princess Margaret Drive,Belize City, Belize; tel. +501 223-1060;fax +501 223-0060; e-mail:

[email protected].

Some queries for Canadian citizens can be dealt with at this consulate in Belize City, but

most matters are handles by the Embassy of Canada in Guatemala: 13 Calle 8-44 Zone 10,

EdificioEdyma Plaza, Guatemala; tel. +502 2363-4348; e-mail: [email protected] .

Consulate of Belize in Canada, Suite 100, 1122-8th Avenue S.W., Calgary, Alberta,

T2P 1J5, Canada; tel. (403) 215-6072; e-mail:[email protected] .

Retiree Benefits in Belize

Belize has one of the worlds best retiree programs. Through the Qualified Retired Persons

(QRP) Program, the government gives qualified retirees an exemption from taxes on allincome derived from sources outside Belize, whether such income is earned or passive, and


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whether or not it is remitted to Belize.

You dont have to be retiredor even of retirement ageto take advantage of this program.

However, you must be at least 45 years old, and be able to show that you have adequate

resources to deposit a monthly income of $2,000 or more per month, and comply with several

other minor requirements. To keep your QRP status you must spend just one month of the

year in Belize.

The regulations state that you must show a pension or other regular income. In reality, if you

can demonstrate that you have adequate savings to transfers $24,000 per year, the Belize

Tourist Board has accepted that approach, since many expats do not have pensions but do

have IRAs/401Ks. You can also make a single $24,000 deposit a year or make it in monthly

installments.

In addition to tax benefits, qualified retirees can also import a specified amount of personal

and household goods as well as a car, boat, or plane without having to pay import duties or

other taxes on goods up to the value of $15,000

QRPs are considered non-residents for purposes of banking, meaning they can set up a U.S.dollar bank account with a local or offshore bank in Belize. QRPs are also allowed to engage

in gainful employment as long as most of their business activity takes place outside Belize

and is conducted exclusively with non-residents of Belize. This is especially important for

expats who wish to maintain a consulting business from their second home in Belize. QRPs

are also allowed to own a business in Belize. It is best to talk to a qualified attorney if you are

thinking of doing this.

Cost of Living in Belize

Though Belize isnt the cheapest country in the Western Hemisphere, it takes less to live wellin Belize than in most places in the U.S., Canada, or Europe.

Heres a sample monthly budget for two people:

Rent (an unfurnished house) $400

Utilities:

Electric (without air conditioning) $80

Water $25

Butane gas (for cooking and bathing) $25


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Cable TV (100 Channels) $20

Internet with landline ($500 deposit plus installation) $80

Groceries $150 to $300

Entertainment (dining out and other activities) $200 to $400

Household help:

Maid (about 50 hours a month) $130

Gardener (about 50 hours a month) $130

Incidentals $175

Monthly total: $1,415 to $1,765

Taxes in Belize

Foreigners in Belize are only liable for tax on income they generate in Belize.

Income tax is charged at a rate of 25%, and for residents of Belize, the first $10,000 of theirannual income is exempt. Pension income is also exempt.

To qualify for residency, an individual must be present in Belize for 183 days or more during

a calendar year. Theres no graduated scale of taxation like in the U.S. and many othercountries. Property taxes depend entirely on the type of property and start at 1% of the

assessed value. Belize currently has no capital gains tax.

Though Belizean tax law is far simpler than the U.S. tax code, always consult a

knowledgeable attorney, especially if you spend more than 183 days in the country during a

calendar year.

General sales tax in Belize if 12.5% and it is included in the price of the good that you buy.

Currently, property transfer taxes are at 10%, and attorney fees usually equal 2%, including

miscellaneous expenses. The buyer usually pays around 12.5% for closing costs, based on thetotal purchase price of the real estate. Property taxes depend on the type of property and start

at 1% of the assessed value. Belize currently has no capital gains tax.

Financial Matters

Currency and exchange: The Belize Dollar is tied to the U.S. Dollar at US$1 = BZ$2.


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Opening a bank account:Banks in Belize usually want a letter from a bank in your homecountry. Written on bank stationery and signed by an officer, the letter should attest to your

reliability as a customer and state the balance in your account.

Moving to Belize

Moving your household goods: When moving your household goods to Belize, you canstart by choosing an American moving company, but that firm will still have to deal with a

Belizean relocation firm for the final leg of the trip. Most experienced expats say the best

strategy is to select the Belizean company first. This firm will then choose the American

company that it wants to work with.

When you fly to Belize, youre allowed to bring in items for personal use and not for resale.

These typically include clothing, medicines, toys, a laptop computer, books and up to four

liters of hard liquor and/or wine. If you have any doubts about what you can bring, ask the

airline, a Belizean relocation company or the Belizean Embassy in Washington.

Moving with your pets: Transporting a pet from one country to another can be acomplicated process for the owner and an exhausting one for the animal. Fortunately, Belize

isnt a long flight from most U.S. cities, and the paperwork isnt too complex.

Dogs and cats dont have to undergo quarantine when they enter Belize. But to bring one in,

a veterinarian in the country of origin must fill out and sign a health certificate, such as the

APHIS 7001 International Health Certificate from the United States Department of

Agriculture, stating that your pet is in good health.

Firearms: Penalties for possession of unlicensed firearms or unlicensedammunition arestrict, including high fines and mandatory jail sentences for repeat offenders. If you are

contemplating bringing firearms or ammunition into Belize, you should contact the Belizean

Embassy for additional information on importation.

Expat Contacts

When you move, or if youre just thinking of moving, somewhere new, its a good idea to


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talk to people who have already done what youre about to. Get in touch with expats in

Belize, theyll be able to help you with any questions or concerns you might have and youll

be able to compare notes on moving here.

Here are some resources you might find helpful:

International Living Facebook Belize page:

www.facebook.com/internationallivingbelize . This is a great place to meet otherlike-minded, Belize-bound expats and get advice.

ExpatBelize; website: www.expatbelize.com. An Internet-based organization that

provides information and services to expats.

Travel Info: How to Get to Belize

Flying to Belize is quick and easy but not cheap. Five international airlines fly into Belize:

TACA (website: www.taca.com), Continental (website: www.continental.com), American

(website: www.aa.com),Delta (website: www.delta.com),and US Air (website: www.usairways.com).The gateway cities from the U.S. are Miami, Houston, Dallas, Newark,

Charlotte and Atlanta. TACA is very popular with Belizeans and also has service direct into

the other countries in Central America via El Salvador.

To find cheap flights, try a cost comparison website like Skyscanner (website:

www.skyscanner.net).

Making Money in Belize

Getting a work visa

If you are not a permanent resident in Belize, you will need a work permit to legally

work.Self-employment permits are by far the easiest to obtain, as you will most likely be

viewed as someone with a business that will in fact create jobs and employ local Belizeans.

General work permits must be applied for by your prospective employer. That employer will

have to prove that they have been unable to find a current local resident to fill the position

before a permit will be issued.

For more information, contact your nearest Belize Embassy.

Setting up your own business

The Belize Trade and Investment Development Service (BELTRAIDE) works to help

international and local investors in establishing and developing a business in Belize. See their

website for more: www.belizeinvest.org.bz.

Making money overseas


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If youre interested in finding a way to fund your life overseas, there are a whole host of

jobs that you can do from anywhere in the world. These are jobs that you can do from the

front porch of your beach housejobs that allow you to work in the morning, leaving the

afternoon free for relaxing, reading, snorkeling, sailing

These days, the world is more interconnected than ever and the possibilities for a portable

paycheck are almost never-ending. You dont need an MBA or thousands upon thousands of

start-up cash to create a business for yourself that can easily fund your life overseas.

Here are just some of the ways you can do that.

Travel writing: Of all the kinds of writing you can dofiction, academic, marketing,technical, etc.travel writing is the most funand the most rewarding. Perhaps you already

took a long vacation this year. You might find it hard to explain to that voice in your

headthe one that monitors your bank accountthat youre going to take another. But if

you can make enough money selling a story about your trip to cover its costor at least

defray, say, the cost of the airfarewell, then, that is not such a bad arrangement.

Take Sandra Kennedy. She retired from teaching and wasnt sure how shed keep myselfbusy. But now here she gets paid to travel, take pictures along the way, and write about what

she recommends other people do and see. She finds it hard to believe its even a real job!

Sandra has stayed at lavish haciendas, eaten the freshest foods in Ecuador, gotten to know the

smiling, helpful locals. Shes been to a Shaman healing ceremony, rode horses in the Andes

and learned to weave. And then she sat sipping fresh mango juice, relaxing by the pool.

Sandra takes notes and photos along the way and spends a few evenings writing up her

impressions while theyre fresh in her mind. Once shes back home, she puts them into

proper sentences and then finds an editor who will pay her for them.

Five-years on, and Sandras portfolio is filled with travel articles and photographs from Chile,

Ecuador, Guatemala, Portugal, Uruguay, Argentina, Alaska, Maine, Oregon and Washington.

And many of those articles came out of trips she enjoyed for next-to-nothing or even free.

An online business: Did you know that theres a great way to make money from the comfort

of your own home anywhere in the world, doing exactly what youre doing now?

When Larry and Beatriz visited Medellin, Colombia they fell in love and knew they had to

live there.Luckily for them, they were easily able to use their existing skills to create a

business opportunity that translated from Coral Springs to Colombia.

At first, it was every two months. Then once a month. But that wasnt often enough for LarrySnyder. So in 2008 he packed his bags, and he and his German shepherd, Hans, took a

one-way flight to Medellin, Colombia.

I started traveling to Colombia with my girlfriend Beatrizwhos now my wife. She was

making frequent trips for her clothing business in Florida. My work as a nurse in the Coral

Springs E.R. meant I could schedule six days back-to-back and then take eight days off,


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Larry says.

Beatriz started her own clothes manufacturing company in Colombia and Larry had an online

business offering continuing education to nursessomething he could run from anywhere.

So he went back to America and cleaned out the house.As a registered nurse, Larry knows

about health care and hospitals so he turned his existing skills into an online business he can

run from anywhere. And he couldnt be happier.

Photography: Walk into your back yard, kneel down, and snap a photo of a flower in yourgardenor capture a shot of your grandchildren playing with a football. Did you know that

these photos could earn you $25$50even $150 or more for each one?

Imagine if, every time you went on vacation, with your camera in tow, you could make up to

$800 for those pictures you snap.There is no great secret to breaking into photographyeven

if you have no experience and only use a simple point-and-shoot camera, it can still be a way

to fund a new, more relaxed, and fun lifestyle.

Photos are used everywherenewspapers, magazines, billboards, websites, technical

manuals, and almost any published material. Someone has to take those pictures. Whyshouldnt that someone be you?

Take David Morgan. He wasnt any hot-shot photographer when, with a Vivitar camera in

hand, he traveled across Asia for six months. He dined with the Privy Counsel to the King of

Thailandmet the late Mother Teresaand shook hands with the Dalai Lama. He took a

week-long, four-wheel-drive journey across Tibet. He went trout fishing in a pristine

mountain stream in Bumburet, a hidden valley in the Hindu Kush. He also got to see secret

religious ceremonies rarely witnessed by outsiders.

The icing on the cake was that he found a textbook publisher who needed the photos from his

trip. Not only did his connections save him money, but he actually made money over

$6,000! Whats more, a few years later, the publisher offered to pay him again when the book

went to a second edition.

Photography really can open up the world to you. As a working photographer, you can

pickup-and-go any time you chooseget on a flight to any number of far-flung

destinationsand enjoy the freedom of the photographers life.

A money-making website: A few years ago I decided to try my hand at creating a websitethat would make me some extra money.My idea was simply to create an informational site

that would make money through people clicking on ads and other money-making links.

When it comes to retirement income, I want the money coming in, regardless of where I live.

Having a money-making website gives me that flexibility.I can do this from anywhere in the

world. All I need is a laptop and an internet connection.If I choose to retire abroad

permanently, I just have to make sure I have Internet access.And if I decide to spend a year or

more traveling the world, I can just plug in at hotels or cafes along the way.


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I didnt want to go into business and have to source and ship products, or deal with

customers. I just wanted to write informative pages, and make some money with ads.

The site I created was CoffeeDetective.com.As its name suggest, its about coffee. Im not a

coffee professional, and have never worked in the coffee business. I just like coffee.

I wanted to write about something that interested me, and see if I could make some money

along the way.Well, the site has been up for almost five years. It now gets over 3,000 visitors

a day. And this month it looks like the site will be making me about $6,000.

Copywriting: Why exactly did you buy a whole caseload of nutritional supplement madefrom the oils of mold-infested Bolivian tree bark? Spend $3,000 to drink foul-tasting mares

milk whilst undergoing the Spartan regime of a yoga retreat in Outer Mongolia?

Undoubtedly, it was because some devilishly clever person persuaded you to. It was

something that you simply had to have...had to experience.

The big earners of the writing market are copywriters. Effectively dream sellers, many of

them can earn fantastic money. By writing letters for the direct mail market (you and I might

call it junk mail or spam), they persuade consumers to buy companies productshealthproducts, financial products, self-improvement products, and travel products. You name it,

and you can bet theres a copywriter involved somewhere along the line.

Hospitals use copywriters, charities use copywriters. Whenever a business or organization

needs to pro-mote itself (through a press release, leafleting, online, a newsletter, or other

forms of media), it also generally hires a copywriter.

Paul Hollingshead went from making $6.50 an hour stacking shelves in a grocery store to

making $400,000 a year as a copywriter. Paul works a few hours a day. He writes one,

maybe two letters a month. Recently, he moved with his family to a little historic town in the

Vermont countryside. He has no bosses, no commute. He writes from a little cottage steps

from his house, where he is surrounded by peace and quiet. For a break, he says hell walk

over to the old Inn across the street for lunchgrab a coffee at the local market...

A top-notch copywriter can easily command $8,000 per letter. Imagine getting $96,000 in

fees each year just for writing 12 letters. But thats only the start of things. But, before you

get carried away, note that not all copywriters earn quite as much. To get a six-figure income,

youll first need to establish a track record. Of course, there are many countries in the world

where that kind of money goes a long way. And again, its another wonderful career you can

do from anywhere in the world.

In Certain Places Overseas, Retiring Isn't JustAffordableIt's Easy.

The romantic promise of a better life overseas isnt just a fantasy. It's real. And it can beyour

reality -- sooner than you think -- when you land in one of the 16 communities in Latin

America, Asia, and Europe we profile in a new report called,The Easiest Places in the


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World to Retire. I'd like to send it to you, free.

For 30 yearsInternational Living has been the number one resource to help people find the

best places to retire and live better, for less, in Belize...and around the world.

More comprehensive, and regularly updated, information is available in the pages of

International Livings Magazine and through the members-only section of our website.

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Belize_ the Top English Speaking Retirement Haven in the Caribbean