Hi Terry,
I was in Hawaii when I got your message. Had limited time to respond as I was there for a wedding and family etc etc.
I've lived in 3 countries outside the US. Belize is probably the easiest to adapt to, compared to the Philippines and Malaysia. My first impression when I came here after 13 years in SE Asia was that this is much more like the USA.
If you love the water and nature, there aren't many better places. My only complaint is the insects. You do get used to them, but the sandflies, doctor flies, mosquitos, beef worms, black flies up in the mountain regions....a lot of bites. I'm in the process of building a little screened in house for cleaning fish when I come home in the evening. That'll help. hah.
But, it's not cheap here. Hawaii is more expensive but food, fuel (US$5 per gallon for gas), electricity are expensive and everything you bring in, you have to pay duty on.
It basically comes down to what you make of it here. If you don't get into the diving and water scene, it's easy to fall into the "rum and coke" for lunch crowd and do the burned out Gringo in Belize trip.
Or, you can do a total health trip here. No fast food temptations. lots of fresh fruits and vegetables...and fish if you can get it on the reef.
I also lived in Hawaii for 9 years (5 years on Oahu and 4 on Kauai) and loved it. It's not a lot different here in many regards. Probably more like living on Kauai or Molokai....but no surf.