Panama – at our last cruise, a couple at our diner table was from San Diego and was about to retire to Panama. The gentleman spoke highly of it — mainly its favorable tax/investment policy to attract American retirees; and the place sounds nice. Said that they would be able to retire earlier if they retire in Panama.

Helsinki, Finland — The one time that I visited, everyone looked so serious!!! Can’t image to retire there. The supermarket reminded me of Chinese stores more than a decade ago.

China — the only problem is pollution. I revisited Huangzhou in May after 20 years, and I was again impressed by its beauty. Not a bad place to retire — only 1.5 hour from Shanghai. But hot and humid in summer.

Singapore — haven’t been there, but heard that it’s really hot and humid in summer, and summer is long there.