英語世界文摘:The Top Seven Places to Retire

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The Top Seven Places to Retire

七地養(yǎng)老，無憾人生！

ByRob Budden

文/羅布·巴登

These days most of us can expect our retirement to last for more than a couple of decades. So, with life expectancy[1] on the rise where you choose to spend those twilight years[2] is more important than ever.

我們大多希望自己可以多享受幾十年的養(yǎng)老光陰。因此，隨著預(yù)期壽命的延長(zhǎng)，選擇在哪里度過自己的暮年變得前所未有的重要。

[1] life expectancy 預(yù)期壽命。

[2] twilight years 古稀之年。

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從泰國(guó)的熱帶小鎮(zhèn)到中美洲舒適的海濱城市，我們?yōu)槟奶暨x了七個(gè)絕佳的養(yǎng)老勝地！

Panama

巴拿馬

Panama, the southernmost country in Central America tops the 2016 global retirement havens listings compiled byInternational Living, with what the magazine describes as “hands down the best package of retirement benefits in the world”. These include discounts for retirees on transport, entertainment, medicine and energy bills.

巴拿馬共和國(guó)——中美洲最南部的國(guó)家，在環(huán)球旅行雜志《國(guó)際生活》2016年收錄的“全球養(yǎng)老宜居”國(guó)家中位列榜首。雜志稱之“一直以來都有世界上最好的養(yǎng)老福利”。退休老人的福利包括：乘坐公共交通工具、娛樂場(chǎng)所消費(fèi)、醫(yī)療護(hù)理、支付能源賬單時(shí)均能享受折扣。

To receive these wide array of benefits all you need is a Pensionado Visa, for which you need to be over 18 years of age and have a pension of at least $1,000 a month to qualify (both private or social-security payments count). The currency, the Panamanian balboa, is pegged to the dollar, so US retirees shouldn’t face shocks from currency swings.

一本退休簽證在手，即可尊享以上諸多待遇。只要年齡在18周歲以上，每月有不低于1000美元的養(yǎng)老金（個(gè)人賬戶或者社保賬戶），就能辦理退休簽證。巴波亞是巴拿馬的流通貨幣，其匯價(jià)與美元掛鉤，所以美國(guó)人入境巴拿馬養(yǎng)老不用擔(dān)心匯率波動(dòng)的影響。

Savings will go a long way here too. Even without these pension benefits, living costs are already low compared to many countries in Europe, North America and Australasia[3], with a three-course meal for two in a mid-range restaurant[4] in Panama costing $30, according to numbeo.com, a website that tracks the prices of everyday items.

儲(chǔ)蓄也可以在這里使用很久。即便沒有上述養(yǎng)老福利，這里的生活成本也遠(yuǎn)低于歐洲、北美洲和澳大拉西亞諸國(guó)。根據(jù)追蹤日常消費(fèi)價(jià)格數(shù)據(jù)的網(wǎng)站numbeo.com，在巴拿馬的中檔餐館，30美元英鎊就可使兩人享用三道菜肴。

[3] Australasia澳大拉西亞（包括澳大利亞、新西蘭及太平洋西南島嶼）。

[4] mid-range restaurant中檔餐廳。

Property prices are also reasonable, with foreigners having the same property rights as Panamanians. Purchasing a three-bedroom property in the popular mountain town of Boquete would cost about $179,000, according to globalpropertyguide.com.

房地產(chǎn)價(jià)位也合理。在巴拿馬居住的外籍人士享受和本地居民一樣的產(chǎn)權(quán)。根據(jù)網(wǎng)站globalpropertyguide.com，在巴拿馬，只需179,000美元就可在頗受歡迎的博克特購置一套三居室的房子。

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Ecuador

厄瓜多爾

Ecuador ranks second in the 2016 listings, compiled byInternational Livingmagazine, on its generous retirement benefits, affordable housing and a great climate.

厄瓜多爾養(yǎng)老福利優(yōu)渥，住房經(jīng)濟(jì)適用，氣候得天獨(dú)厚，因此在《國(guó)際生活》收錄的2016全球養(yǎng)老宜居國(guó)家名單中位列第二。

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For housing costs, there are few countries that can beat Ecuador. In the popular colonial city of Cuenca, for example, a two-bedroom apartment can be rented for $500 a month or less.

就住房成本而言，厄瓜多爾的房?jī)r(jià)幾乎是全球最低。以著名的殖民城市昆卡為例，一套兩居室公寓的月租不過500美元甚至更少。

To live here though, retirees will need to learn Spanish, as English is not widely spoken and expats will have to adapt to a limited national road infrastructure.

雖屬南美洲國(guó)家，但英語在這里的使用并不廣泛，來這里養(yǎng)老的居民有必要學(xué)會(huì)西班牙語，并且還要適應(yīng)這個(gè)國(guó)家簡(jiǎn)陋的公路設(shè)施。

But there are plenty of perks. Like Panama, Ecuador offers a wide range of desirable retiree benefits, including half-price public transport for those aged 65 or over and IVA (value-added tax) refunds on many purchases.

但還有其他方面的多種福利待遇。和巴拿馬一樣，厄瓜多爾提供一系列誘人的養(yǎng)老福利，受益面廣，如年齡在65歲及以上的老人乘坐公共交通享受半價(jià)優(yōu)惠，在許多購物項(xiàng)目上享受返還增值稅的優(yōu)惠。

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Malaysia

馬來西亞

For year-round sunshine and diversity, consider Malaysia, which offers everything from tropical beaches and remote rainforests to the high-rise bustle of capital, Kuala Lumpur. This former British colony is also an inexpensive place to live, withInternational Livingplacing it among the cheapest places to live in its global cost of living index.

想要終年陽光普照，多元文化碰撞的環(huán)境，你可以選擇馬來西亞。這里有：熱帶沙灘、僻靜雨林以及高樓林立、繁忙鼎盛的首都吉隆坡。它曾是英國(guó)的殖民地，消費(fèi)較低?！秶?guó)際生活》將馬來西亞列為世界上生活成本最低廉的國(guó)家之一。

Add to this widely-spoken English, low cost of restaurants and direct foreign ownership of property freehold, and it is easy to see the country’s appeal for older expats.

除了英文作為交流語言普及之外，馬來西亞的餐館經(jīng)營(yíng)成本較低，外國(guó)移民也可直接申請(qǐng)購房。這個(gè)國(guó)家對(duì)養(yǎng)老移民的吸引力顯而易見。

The magazine reports that a couple can live comfortably in a spacious luxury apartment for less than $1,000 a month. Xpatulator.com, a website that analyses costs for expats, rates healthcare and accommodation costs in Malaysia as “very low”. But be warned, not everything is cheap here: many imported goods, from cars to wine spirits, are often sky-high as a result of local taxes.

據(jù)《國(guó)際生活》報(bào)道，在馬來西亞，一對(duì)夫婦每月花費(fèi)不到1000美元就能入住一套寬敞舒適的豪華公寓。據(jù)移民成本分析網(wǎng)站xpatulator.com，馬來西亞聯(lián)邦外籍移民的醫(yī)保繳費(fèi)額度及住宿成本“相當(dāng)?shù)土?。但還需提個(gè)醒：由于當(dāng)?shù)囟愂站壒?，并非所有商品都便宜，從汽車到酒水，凡是進(jìn)口貨物，往往售價(jià)甚高。

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Under the country’s second-home program, retiree residency is relatively easy to obtain. The visa lasts for 10 years and extends to your spouse and children. The minimum monthly income requirement is 10,000Malaysian ringgit[5] (around $2,320). Retirees also typically benefit from pension, or social-security income, which is exempt from Malaysian taxes.

馬來西亞聯(lián)邦政府推出的“我的第二家園”計(jì)劃使來此的養(yǎng)老人士能相對(duì)便利地獲取居住權(quán)。退休簽證有效期長(zhǎng)達(dá)10年，并且可攜帶配偶及子女。申請(qǐng)此項(xiàng)目要求月收入不低于10,000林吉特（馬來西亞貨幣單位，折合約2320美元）。退休人員尤可從養(yǎng)老金或社會(huì)保障金免稅的政策中獲益良多。

[5] ringgit林吉特，馬來西亞貨幣。

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