Terrain looks like the UK.

And in terms of culture, you can tell that the muzziez never conquered the area.

(http://www.autoadmit.com/thread.php?thread_id=5756178&forum_id=2\u0026show=month#49143476)

https://www.google.com/maps/@43.1671771,-7.1126672,3a,60y,68.52h,90.96t/data=!3m7!1e1!3m5!1s2xJOT9bzX2MLtgeRLkf5EA!2e0!6shttps:%2F%2Fstreetviewpixels-pa.googleapis.com%2Fv1%2Fthumbnail%3Fcb_client%3Dmaps_sv.tactile%26w%3D900%26h%3D600%26pitch%3D-0.9611256818330531%26panoid%3D2xJOT9bzX2MLtgeRLkf5EA%26yaw%3D68.51529179803892!7i13312!8i6656?entry=ttu&g_ep=EgoyMDI1MDcyOC4wIKXMDSoASAFQAw%3D%3D

(http://www.autoadmit.com/thread.php?thread_id=5756178&forum_id=2\u0026show=month#49143481)

You do get a decent amount who LOOK proper white though. Decent amount of (dark) blonds and redheads.

(http://www.autoadmit.com/thread.php?thread_id=5756178&forum_id=2\u0026show=month#49143491)

I think Croatia's problem is a lack of good residency visa options, but I could be remembering that wrong

Options without tax rape:

Greece

Cyprus

Albania

Montenegro

Italy (if you like small villages)

Hungary

Czech Republic

(http://www.autoadmit.com/thread.php?thread_id=5756178&forum_id=2\u0026show=month#49142258)

___________________

Countries to Consider

Costa Rica

Taxation: Costa Rica doesn’t tax foreign-sourced income, including pensions, for residents. If you’re a retiree with a pension from abroad, you’re generally exempt from local income tax on it.

DTT Status: No DTT with the US, UK, or many other major countries, but this doesn’t matter since foreign pensions aren’t taxed locally. You’d only need to handle tax obligations in your home country (e.g., US taxes worldwide income for citizens, but UK residents can often claim exemptions under non-resident rules).

Retirement Appeal: Offers a Pensionado visa for retirees with a minimum pension of $1,000/month. Low cost of living, excellent healthcare, and a stable climate make it popular. Pacific and Caribbean coasts are retiree hotspots.

Double Taxation Risk: Minimal, as Costa Rica doesn’t tax your pension, and you’d only deal with your home country’s tax rules.

Panama

Taxation: Panama doesn’t tax foreign-sourced income, including pensions. This makes it a haven for retirees with income from abroad.

DTT Status: Limited DTTs; none with the US or UK. Like Costa Rica, this is irrelevant since foreign income isn’t taxed.

Retirement Appeal: The Pensionado program is one of the best, requiring a pension of $1,000/month (or less if you invest in property). Benefits include discounts on healthcare, utilities, and travel. Panama City and Boquete are retiree-friendly with good infrastructure.

Double Taxation Risk: Negligible, as Panama doesn’t tax foreign pensions. US citizens would still report income to the IRS, but credits or exemptions may apply.

Thailand

Taxation: Thailand generally doesn’t tax foreign-sourced income, including pensions, if it’s not remitted to Thailand in the year it’s earned. Recent tax changes (2024) may require reporting for residents, but pensions often remain exempt under specific conditions.

DTT Status: Thailand has DTTs with many countries (e.g., US, UK), but these typically assign pension taxing rights to the home country or provide exemptions. If no DTT exists with your country, Thailand’s non-taxation of unremitted foreign income prevents double taxation.

Retirement Appeal: Retirement visas (Non-Immigrant O-A or O-X) are available for those over 50 with modest income requirements (~$2,000/month or a bank deposit). Low living costs, warm climate, and expat communities in Chiang Mai and Phuket are draws.

Double Taxation Risk: Low, especially if you structure income to avoid remittance. Check specific DTTs for your country.

Uruguay

Taxation: Uruguay offers a 10-year tax holiday on foreign-sourced income, including pensions, for new residents. After 10 years, you may face taxation, but rates are moderate.

DTT Status: Limited DTTs; none with the US, and a suspended treaty with the UK. The tax holiday makes DTTs less relevant for retirees during the initial decade.

Retirement Appeal: Stable economy, high quality of life, and a residence program for retirees with passive income (~$1,500/month). Montevideo and Punta del Este are popular for expats.

Double Taxation Risk: Very low during the tax holiday. Post-holiday, you’d need to review your home country’s tax rules.

Monaco

Taxation: Monaco has no personal income tax, so foreign pensions are entirely tax-free locally.

DTT Status: Few DTTs (none with the US, a limited one with the UK). Since there’s no local income tax, double taxation is avoided unless your home country taxes worldwide income (e.g., US).

Retirement Appeal: Extremely high cost of living, but ideal for wealthy retirees. Residency requires a significant bank deposit (~€500,000) and proof of accommodation. Top-tier healthcare and safety.

Double Taxation Risk: None locally; only your home country’s tax applies.

Bermuda

Taxation: No income tax, so foreign pensions are untaxed locally.

DTT Status: No DTTs with most countries, including the US and UK. No local income tax eliminates double taxation concerns.

Retirement Appeal: High cost of living but excellent quality of life, English-speaking, and retiree-friendly. Residency requires financial proof or property investment.

Double Taxation Risk: None locally; home country taxes may apply (e.g., US citizens).

(http://www.autoadmit.com/thread.php?thread_id=5756178&forum_id=2\u0026show=month#49143866)