Tucked away in Ecuador’s imposing Andes mountains are hundreds of green valleys where tumbling rivers nourish fertile soils and temperatures are near perfect all year round. These are among the best places to live in the country, and expats are busily discovering them. You’ll meet couples in this mountainous region who report expenses of $1,440 a month including rent. Most do not own a car.

The savviest investors and businessmen in the world are taking advantage of the bargains in Europe and you should be doing the same. “A few months ago, when I was researching European dividendpaying stocks, I learned about Neil Woodford and his favorite stock,” says Evaldo Albuquerque of Sovereigninvestor.com. “Not many people in the U.S. have heard about Neil Woodford. But in the UK, he’s a superstar…the UK version of Warren Buffett.

For Rebecca and Keith Clower, and their two young children ages three and five, their house by the beach isn’t just an address…it’s a lifestyle. They recently built a home in a development on the Bahia de Los Piratas, or Pirate’s Bay, on Costa Rica’s northern Pacific coast, also known as the Gold Coast. They live on a hill, with an ocean-view, and you can see clear to Playa Flamingo and Playa Conchal, two nearby expat enclaves. The beach is mere minutes away on foot.

Winner of the 2013 Global Retirement Index, Ecuador offers sophisticated historical cities…miles of unspoiled, sun-kissed beaches…fertile farmland…and temperate mountain hideaways…and all of it for pennies on the dollar. You can live well for a fraction of the cost of living back in the U.S. And with Ecuador’s official currency the U.S. dollar, you needn’t worry about complicated currency calculations or exchange risks.

The accepted story goes that as humankind progressed over the millennia, we abandoned our cave shelters in favor of constructed homes. But plenty of folks still live in dwellings carved out of volcanic rock, into mountains, rocky hillsides, cliffs, or quarries. And they aren’t living a primitive life in caveman-style homes, either (though they are referred to as “troglodyte” homes).

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