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1 From: International Living Subject: Nine Best Places on Earth to Retire in 2008 Date: November 14, :19:39 AM CST To: Just take a moment and imagine yourself... Come relax and retire in paradise! Watching the sun set over a crystal blue ocean, with the gentle sound of surf lapping up on your own private beach... Living like royalty for $1,134 a month... including all monthly expenses, country club dues, a full-time gardener, cook and maid... Escaping to a world far, far away from the headaches, hassles, and stress of 40-hour work weeks...

2 Enjoying a quality of life others can only envy... for a fraction of what you're now spending to just 'get by. Thousands of Americans are retiring in luxury overseas... buying second homes in the sun... and investing in beach-front property at Malibu and Miami prices from 40 or 50 years ago. They re living the impossible dream and now, you can too! I ll show you exactly how you can do it in a special FREE report detailed below. Wednesday, Nov. 14, 2007 Dear International Living Reader, If you re frustrated with today s high cost of living, shaky Stock Market, and crazy real-estate values... If you dream about leaving the work-a-day world behind... If you ve ever longed to run away and start a new life in an exotic new place... You can! In fact, you can retire overseas and start living a life of luxury and leisure for only half of what you re paying right now. It s all spelled out for you step-by-easystep in your FREE report, How to Retire in Paradise for $19 a Day. The 9 best places in the world to retire. In your FREE report, you ll discover that paradise does exist in amazingly affordable

3 places where you can... Relax on the deck of your exotic beachfront getaway that cost you just $35,000. Buy prime waterfront property on a pristine tropical island with near-perfect climate for less than $20,000 an acre. Rent a nicely-furnished apartment in a bustling, first-world city less than 3 hours from Miami for only $550 a month. Own a beautifully restored, 3-bedroom stone house in Italy with lush garden courtyard and exquisite custom paint-work for $173,600. Picture Tuscany without the crowds a tiny town surrounded by medieval castles, olive trees and endless miles of unspoiled, golden beaches. Golf on breathtaking courses where you never have to make a tee time. Enjoy world-class diving, white-water rafting, horseback riding, thermal spas, and spectacular hiking. The best part? You and your partner can live very well here for $1,770 or less a month. Fill your shopping bag to the brim with fresh vegetables and fruits for $4. Snap up fresh lobster right off the boat for less than $2. Enjoy a delicious steak dinner at the finest restaurant in the country for $7 per person. Sip top-rated wine for $5 a bottle. Or let your live-in maid shop and cook for you for less than $50 a month. Take advantage of excellent health care by U.S trained doctors who make house calls yes, house calls! for about $25. Longing for a beachside hideaway... a bougainvillea-filled courtyard in a colonial retreat... or an elegant pied-a-terre in a cosmopolitan capital?

4 Now you can find your dream lifestyle quickly, affordably, and virtually hassle-free. We know retiring in paradise is possible because we ve done it ourselves! For more than 27 years, we ve roamed the globe in search of wonderful places where your dollars go farther and you can enjoy incredible opportunities for retiring, buying a second home, investing, or reinventing yourself overseas. We ve rented hilltop villas... dined with the locals... retired in luxurious island retreats on a shoestring... and invested in astoundingly inexpensive oceanfront property. And now, all our best secrets are revealed in your FREE report, How to Retire in Paradise for $19 a Day. Here s a sneak preview: The only place in the world where you can enjoy an affordable overseas retirement, live right on the beach for pennies on the dollar, yet remain within minutes of the U.S. by car. How to rent a beautiful apartment or villa in Europe FREE. We ll give you everything you need to know who to contact... what to look for... Where to find a seaside home overlooking the crystal-clear Ionian Sea for as little as $33,500. This 1,000-year-old walled city surrounded by fragrant citrus groves, is at the center of one of Europe s most unique revitalization projects. This private Pacific island is a closely guarded secret playground for the wealthy and famous. And it s no wonder. With its warm waters, white sand beaches, secluded coves, colorful tropical birds and flowers, and orca whales just off the shore, this is the stuff of travel magazine covers. Property is still cheap you can buy a 3-bedroom villa for just $245,000.

5 Welcome to endless sunshine, gentle breezes, and pristine beaches. How to retire in style while slashing your expenses in half. Whether your retirement is fast approaching or just something you dream about, we guarantee you ll be tempted by the 9 breathtaking places in your FREE report all offer far greater benefits and advantages for retirees than staying where you are. The quality of life in your new home overseas will exceed all of your dreams. And the cost of living will be much lower... allowing you to do more passionpursuing and less penny-pinching. What could be better? If cost of living is number one on your priority list... we ll tell you where to go to rent a nice 3-bedroom house for $245 a month. Here, a part-time maid costs $50 a month, and a delectable meal with the locals will set you back just 60 cents! Prices for a round of golf start at $3.12. What if you could live a comfortable lifestyle on less than $17,000 a year? It s easy in this South American Eden. And believe it or not, that includes a second home in the country or right on the beach! Tired of struggling with a miserable climate? This perfect-weather paradise enjoys twelve hours of direct sunlight 365 days a year. How to shop tax-free in Italy: Nearly two-thirds of American travelers don t realize they can claim sales tax refunds on purchases they take home. These popular Italian stores offer an immediate tax refund. The one place right now where the U.S. dollar is not losing value and inflation is under 2%. The European hideaway that doesn t charge any tax on pensions received from abroad. "Really, it s a dream come true."

6 "And to think that I paid less for this piece of property than I did for my car... and this I ll own forever! Our house... a 3,000-square-foot gem with a separate guest house, pool, is the perfect place to entertain friends, gather with the family, or get away for some privacy. Mark F., Nicaragua If Mark can do it, so can you! Discover for yourself in How to Retire in Paradise for $19 a Day. CLICK HERE for your FREE copy. You ll discover dozens more insider secrets for saving money. And if making money is more your style, we'll show you how to...

7 Profit from the next big REAL ESTATE boom before everyone else. How to Retire in Paradise for $19 a Day points you to real estate bargains and opportunities you can easily afford, and then tells you exactly how to take advantage of them. Just take a look... The New York Times calls this place The New San Diego. You ll call it an affordable paradise. That s because you can snap up a first-class ocean view home here for 70% less than you d pay in the U.S. Get in on the ground floor of the booming resort market on the Pacific Riviera and find out what kind of profits to expect in the coming years. Word is getting out about this sleeping beauty bargain -- and it s not simply because of the real estate. One of the most unspoiled retirement retreats in the world today, this quaint little mountain paradise boasts lush green hills, flowing rivers and spectacular waterfalls. And you can still rent a comfortable home here for just $500 a month. The secret Caribbean destination most retirees overlook at prices not found in the Bahamas, the Cayman Islands, Belize, and the British Virgin Islands since One of Europe s loveliest treasures, this little gem of a country has everything a discriminating retiree is looking for: unspoiled beaches... timeless fishing villages... no wealth tax... steak dinners for just $7... charming 2- bedroom seaside apartments for under $80,000. A short plane ride south of Miami hides some of the world's great real estate bargains and investment opportunities. How about a three-bedroom house on 2 acres on a river with a guest house... for $34,000? Or a luxury apartment in a grand colonial building in the center of the historic district for $21,000? "Our climate is perfect."

8 We enjoy spring-like temperatures and wildflowers year-round. We have plenty of time to stop and smell the flowers and play with the children, and that is really a great gift when you think about it. B.S., Casa Mojanda, Ecuador Getting weary of the 9-to-5 grind? Had enough stress? Tired of putting up with the same old stuff? Then stop for a moment and imagine having... More time to be with your family and pursue your passions. Your FREE report brings you a world of delightful opportunities for fun, pleasure, adventure, and financial security and profits. But it can also help you embrace your dreams. For example... Where in the world can you retire at the tender age of 19? This sophisticated offshore haven awards the best retiree benefits in the world, including 50% off entertainment and hotel stays... 25% off restaurants and airline tickets... a whopping 50% savings on closing costs for home loans... duty-free car purchases... and the list goes on and on.

9 The best part? Anyone over the age of 19 with a modest pension can qualify. And you re guaranteed pensioner status as long as you choose to stay in the country. You won t believe how far you can stretch your retirement dollars in this friendly land of gilded temples, endless cultural curiosities, and exotic jasmine scents! Here, you can purchase a studio condo on a breathtaking beach for less than $20, rent gorgeous homes for less than $400 a month... and dine like the King of Siam and still leave the table with change from $5. Sell your winter clothes... and prepare for the adventure of a lifetime! Some countries offer low costs of living. Others hide good real estate buys or attractive business opportunities. But, in two decades of looking, we've never found a country like this that offers all these things in abundance... plus perfect year-round weather. If you ve ever toyed with the idea of owning your own B&B or dishing up home-made meals in your own restaurant, this is the place for you. In this beautiful, business-friendly country, you won t pay taxes on your income regardless of how much you make. Go snorkeling, diving, canoeing, and fishing in some of the cleanest waters on the planet. And golf to your heart s content for $5 a round. Love Paris, but not the sky-high prices? This small South American country looks and feels like Europe, only with third-world prices. It s been praised as the most beautiful city in South America. We ll show you how to buy an irreplaceable antique home here with stunning mountain views for less than $60,000. Intrigued by history, culture, and art? This sun-drenched paradise offers a wonderfully relaxed and romantic lifestyle at incredibly affordable prices with all the modern conveniences you re used to at home. "Thank you for a new direction in our lives!"

10 We found our ideal home... with a spectacular ocean view. None of this would have been possible without International Living... Viva Mexico for caring craftsmen and a great attitude! Even with the language barrier it was fun. John & Dianne A., Puerto Vallarta But what about health care? It s a question you re probably wondering about. That s why your FREE report includes specific information on retirement havens where you ll enjoy excellent health care at a fraction of what you re paying now. For instance... Unspoiled Caribbean island where prescription drugs cost one-tenth of U.S. prices... a visit to the doctor is between $5 and $15... and a private hospital room is just $30-$40 a day. Never worry about health care costs again. Doctor visits in this top-rated Shangri-La average just $10 month including specialists. Undiscovered, peaceful, charming country where complete national health care coverage includes everything from major surgery to house calls for $40 a year. From affordable health insurance for expats... to living like royalty on a modest pension... How to Retire in Paradise for $19 a Day is packed with the inside information you need to turn your dreams of overseas living into reality.

11 How to get your FREE Report How to Retire in Paradise for $19 a Day is yours simply for trying a risk-free Charter Subscription to International Living, a truly unique magazine built on a very simple premise: We believe you can live better and travel farther for less... follow your dreams... have a lot of fun... and maybe even make a lot of money when you expand your world beyond your own shores. Announcing the new International Living your ultimate guide to overseas living To help us celebrate our colorful new magazine format, we re offering you a special Charter Subscription for nearly half off the cover price plus your FREE report, How to Retire in Paradise for $19 a Day. Whether you want to buy a second home in sunny Mexico... discover the best bargain beachfront properties in the world... take advantage of high rental returns in Uruguay... cut your taxes 95% by living in paradise... or enjoy Ritz-style luxury in London for the cost of a regular hotel room... You ll only find these opportunities in International Living! Now a beautiful full-color magazine. Every month, you ll get the inside information you need to live well for less... invest profitably... and create the kind of life you've always wanted overseas. We ll show you step-by-step how to... find the best travel spots in exotic, faraway lands retire to a tropical paradise learn a new language invest in booming overseas stocks After 27 years of publishing, International Living is celebrating a brand-new look with more pages... more colorful photos... more fun and adventure! Each issue is jam-packed with easy, affordable ways to... Live or retire overseas Reinvent yourself in Paradise Invest in global real estate Spot top emerging markets Travel the world in luxury for less

12 profit from foreign bank accounts start your own international business get a rewarding job overseas buy a prime real estate in the world s few remaining profitable property markets and much more. One of the major reasons we publish International Living is to prove that the rich rewards of a jet-set lifestyle are available to anyone, not just the rich and famous. An idyllic international lifestyle isn t just affordable, but highly profitable. For example, back in 1983, we suggested investing in Costa Rica, where you could buy a 2- bedroom home in San Jose for $19,500. Today those homes sell for up to $200,000. CLICK HERE to start your Charter Subscription and get your FREE copy of How to Retire in Paradise for $19 a Day. "After reading your International Living publication for the better part of 15 years, I have to say your new layout, colors and the whole package is super-great, I LOVE IT!" Victor C., happy reader And it s not too late for you! In future issues, we ll reveal our top choices for emerging markets that are not only seductive and stable, but still affordable. Congratulations on the re-invention of International Living. It looks and feels great to read. Gillian G., Gilroy, CA Make this the year you finally turn your dreams of exotic overseas living into reality... With International Living, you ll have the time of your life. You ll save money, meet locals, never have to book a table, always know the next undiscovered Eden in short, live the life of a savvy traveler. This is your invitation to join us as a Charter Subscriber and start receiving our monthly International Living magazine... annual Global Retirement and Quality of Life Indices... unlimited access to our Members-Only website... and FREE daily e- mail updates. How much is a Charter Subscription to International Living? And how can you

13 get started? Before I give you all of the specifics, let me tell you about a FREE BONUS REPORT we ve just added to your list of Charter Subscription Benefits and Privileges: It s called How to Get the Best Deal Every Time You Travel. And it s a must-read if you intend to fly on a plane or spend a night in a hotel anytime soon. Here s why. Next time you re on a plane, ask the person next to you what he paid for his ticket. Don t be surprised if you paid two or three times more than the smug-looking guy reclining next to you. Don t let it happen again! When it comes to good travel deals and opportunities, some people just seem to be in the know. They're the ones who find the last-minute bargain airfares... the hotel vacancies during peak season... the rental car upgrades at no additional cost... even the perfect time to vacation away from the swarms of tourists. How to Get the Best Deal Every Time You Travel lets you in on the timeand-money-saving travel tricks only the pros know. You ll know how to get the cheapest airfares... the best hotel rooms for the lowest rates... how to avoid unnecessary charges, extras, taxes, and insurance... where to book, when to buy, how to pay. It s all in your FREE BONUS REPORT! Get ready for the exotic and affordable lifestyle of your dreams. International Living has been hailed as the ultimate travel guide. It s that and so much more. It s your passport to a brighter, more exciting future filled with fun, adventure, and promise! Our Guarantee: If International Living ever fails to delight you, simply cancel your subscription. We ll promptly reimburse you for all the issues remaining in your subscription, no questions asked. And no matter what, How to Retire in Paradise for $19 a Day is yours to keep FREE. Right now, in beautiful seaside resorts, picturesque chalets, and peaceful country havens there are historic opportunities for anyone willing to try a new life overseas.

14 The world is alive with opportunity and adventure, so what are you waiting for? Come live the life you really want! Why not do it now? You ll feel fantastic knowing you ve just taken a giant step towards a happier, richer, more rewarding future! Our only regret is that we didn t act sooner on our dreams of living abroad. Lee Harrison, Editor, International Living CLICK HERE to start your no-risk Charter Subscription and get your FREE report, How to Retire in Paradise for $19 a Day. Or if you prefer to place your order over the phone, simply call toll-free (888) Warmest Regards, Martina Dunphy Executive Director, International Living P.S. International Living is not available on any newsstand. This new, full-color magazine is only available by special Charter Invitation. Plus, when you order now, you ll get a valuable FREE Report. How to Retire in Paradise for $19 a Day tells you all about 9 wonderful places to retire full or part time. And best of all, it s yours to keep FREE even if you decide to cancel your subscription to International Living. P.P.S. Reply by November 3rd and you ll also receive a FREE BONUS GIFT: How to Get the Best Deal Every Time you Travel, packed with insider secrets that can save you tens of thousands of dollars and countless unnecessary hours in the air. Please don t delay order now to take advantage of this special offer! Subscribe Today!

15 Dear International Living Reader: If you have not already done so, please click here to confirm your IL Postcards subscription. This will help us ensure you get every IL Postcard without interruption. Or help us out by "white-listing" our service...before its delivery is interrupted. Click here to start receiving your own copy of IL Postcards...or forward this to a friend so they can sign-up to receive their own copy of IL Postcards. International Living offers other free e-letters, with topics ranging from Panama, to Europe, to international travel. For the complete list of Free International Living E-letters, click here Join in! Ask or answer a question at IL's online community. Check out the NEW interactive International Living Blog. International Living--There's more... For more in-depth articles, subscribe to International Living in print here or call As a print subscriber along with your monthly in-depth print issues, you will receive free copies of our most popular reports, discounts off our conferences and tours, free white papers on a World-Wide Tax Guide, Adventure Travel, and more... IL Conferences, Seminars, and Tours. View today's hot real estate opportunities here. IL's Local Offices and Real Estate Contacts around the world. Advertise with IL, online or in print. Unsubscribe or Change of Address Want to cancel IL Postcards? Click here Address Change? Click here. IL Print Subscribers:

16 To cancel or for any other subscription issues, write us at: International Living Order Processing Center Attn: Customer Service P.O. Box 968 Frederick, MD (c) 2007 International Living Publishing Ltd. All Rights Reserved. Protected by copyright laws of the United States and international treaties. This Newsletter may only be used pursuant to the subscription agreement and any reproduction, copying, or redistribution (electronic or otherwise, including on the world wide web), in whole or in part, is strictly prohibited without the express written permission of International Living, Elysium House, Ballytruckle, Waterford, Ireland. Tel Website: Nothing in this should be considered personalized investment advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized investment advice.

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