Retire in Panama

Why would you want to retire in Panama?

Let’s take a look at some of the reasons and what people are saying about Panama as a place to relax and enjoy your post-working years.

For more than a decade Panama has been acknowledged as the best place to retire in the world and for good reason.

  • Panama’s Pensionado Retirement Program has special benefits for foreign retirees that are considered the “Gold Standard” by many. In fact numerous countries are trying to cash in on the baby-boomer trend to retire abroad by emulating Panama’s Pensionado.
  • Panama is a long-time international banking center. Outside of Hong Kong it’s the largest one in the world!
  • Panama has a tertiary or territorial tax systems. That translates into zero local taxes for foreign residents who earn their income outside of Panama.
  • Panama is probably the best place in the whole world to start a business plus it is one of the easiest places to obtain foreign residency with numerous advantages attached.
  • City living not your style? No need for concern travel even a short distance outside of Panama City and you’ll discover the best beach, river, and mountain properties available anywhere on earth today.
  • Expats who live in Panama say over and over ‘It’s a great place to call home’, and…
  • It’s one of the few places in the world right now that’s experiencing ongoing growth and prosperity even amidst what most consider a global financial meltdown.

Of course you have heard all this from me before, and you know you’re going to hear it again. Because if you’re looking for the best place to to live, retire, invest, or do business overseas, I would have to say you’re doing yourself a disservice if you aren’t looking very closely at what Panama has to offer.

Panama is a land where the cost of living is low…the standard of health care is excellent…and where the climate can be idyllic (truth be told I’m not a fan of high humidity or busy cities so I’m talking outside the capital…in the beautiful mountains of the interior where I chose my property).

Panama boasts Pacific and Caribbean shorelines with wildflower covered mountains in between. Most people don’t realize that Panama is the only Latin American country to offer real world infrastructure. Try and drive from one end of the Costa Rica or any other country in Central America and you’ll know exactly what I mean.

Concerned about fluctuating currencies and the declining dollar? In Panama a US buck is still a US buck. In fact the U.S. dollar has been the currency since 1904, so Americans face no exchange rate risk.

Plus Panama’s economy grew by more than 8% a year for five years running through 2009, then grew 7.5% in 2010 and 9.6% in 2011, and all of that growth  despite the current worldwide market meltdowns, still Panama continues to surge ahead. Growth for 2012 is projected at 6.8%.

Yes, Panama truly is a land of superlatives – it’s a beautiful country with an expanding economy that is overflowing with opportunity.

In fact, Panama almost has too much to offer.

No question, you should be looking closely right now at this little country with such an abundance of upside. But, I have to warn you that when you do and the closer you pay attention, the more confused you are likely to become. It’s tough to capture all Panama has to offer on just one page and at the risk of giving you Information Overload let me see if I can do it! Let’s go on a whirl wind tour of the Best of Panama….

Who doesn’t love Flower-covered Mountainsides?

In its interior, west of Panama City, Panama hides some of the world’s best choices for highland living…towns and villages, mountains and valleys where the weather is spring-like year-round, the hillsides are covered with wildflowers, the streets are safe, your neighbors are friendly, and the cost of living is highly affordable…

In fact, one beautiful hidden spot hides such an idyllic way of life it’s named it the World’s Top Retirement Haven.

This special valley sits at about 2,000 feet…meaning its temperatures are never too hot. Its population of about 7,000 is made up of locals and expatriates. It’s a community of Panamanians, Germans, Ecuadorians, Americans, Canadians – some retired, some indulging their entrepreneurial inclinations…others are businessmen who drive out on weekends to escape the big city…

Beautiful…and welcoming. Those are the two words of description that come immediately to mind here. The expat community lives closely and happily as part of the community as a whole, with an active but not “separatist” social life.

The focal point of activity is the covered market pavilion, where you can shop for fresh fruit and vegetables every morning.

The town clinic is staffed 24 hours a day, and a doctor’s appointment costs about US$10. You’re 45 minutes away from more serious care and ambulance service to the city, where health care is on par with U.S. and European standards…but costs about half as much.

In this hidden valley, you’ve got the best of clean mountain living…but you’re only 45 minutes from the beach…and less than two hours from the shopping, the services, the infrastructure, and the nightlife of the big city…the most cosmopolitan city in the entire region…

Double your Pleasure with Two Long and beautiful Coastlines

But maybe mountain living doesn’t appeal to you all. Not to worry. With two long coasts and doznes of white sand fringed islands just offshore, you’re never far from a beach. Again, you’re spoiled for choice for both dramatic, crashing Pacific beaches…and gently lapping Caribbean ones…

Surfing, snorkeling, fishing (any #1 in the world), diving, boating…in all seasons (for Panama sits outside the hurricane zone)…this little country is a water-enthusiast’s dream come true.

The Most Cosmopolitan City In all of Central America

Mountains…beaches…plus the most cosmopolitan city in the entire region. You’ve heard it before, but it bears repeating. Panama’s capital is without peer in this part of the world. Nowhere else in these parts has the infrastructure, the shopping, or the nightlife to compare.

For more than 100 years, the Panama Canal has linked east and west, north and south. As a result, a multitude of nationalities have shaped the country that it traverses…meaning this little nation is a real melting pot, with the cuisine, the nightlife, and the culture to prove it.

Panama is A Land Of Contrasts…with Something For Everyone…

This is a land of unsurpassed outdoor adventures…where you can dive two oceans in a day, glide through the jungle canopy, ride the white waters, hike through a cloud forest, rappel off a rock cliff, and fish in waters teeming with marlin, tuna, wahoo, and sailfish. More sport-fishing records have been set in the waters off Panama’s shores than anywhere else in the world.

Panama is also a world of cultural opportunity, with ballets at the restored National Theater…dances to traditional Congo music…historic Spanish forts…and world-class dining in atmospheric colonial buildings.

Outdoors-enthusiasts and nature-lovers are at home here…as are the savvy and the sophisticated.

Panama is an open-minded, progressive place. The government offers investment laws far more beneficial than anything in the United States, for example…there is little racial tension…health care is available for both nationals and foreign visitors…the economy is strong…luxuries and comforts beyond reach in the U.S. are affordable here.

Specifically, Panama offers:

  • Affordable First-World Health Care
  • Generous Incentives For Investors
  • The World’s Best Program Of Discounts And Other Benefits For Foreign Retirees…it’s the Gold Standard
  • Real-world Infrastructure
  • Great Shopping
  • One Of The World’s Biggest International Banking Centers
  • One Of The World’s Few Remaining Offshore Tax Havens (meaning you can live here tax-free)
  • A U.S. Dollar-based Economy (since 1904)
  • Favorable Tax Legislation For Foreign Residents
  • A Stable Political System
  • A Fast-growing Economy And A Bright Economic Outlook
  • Safety And Security
  • A Travel Hub (meaning you’ve got easy access to and from the United States and Canada, anywhere in Latin America, and even Europe, including new nonstop flights)
  • A Natural Wonderland
And A Land Alive With Opportunity

In a world where markets are shrinking, businesses are downsizing, unemployment rates are rising, and investment opportunities are evaporating overnight…Panama pushes ahead. Thanks to its unique history and its enviable geographic position, Panama continues to offer what so much of the rest of the world just can’t right now: a chance.

A chance for the would-be entrepreneur abroad (like me)…a chance for the would-be global real estate investor (like me)…a chance for the would-be retiree overseas (in the world’s #1 retirement haven I told you about earlier)…

A chance to slow down and a chance to make your fortune…a chance to start over and a chance to have the adventure of your lifetime…a chance to build something big and, at the same time, a chance to chuck it all and settle into a sunny, sultry tropical beach escape where nobody will find you if you don’t want to be found…
“Despite slowdowns and meltdowns elsewhere, Panama’s economy continues strong.”

I’ve seen quite a bit of this world, and I know no other place boasting such diversified options, opportunities, adventure, and upside.

Panama is frenetic Panama City, where one can enjoy wireless Internet and global telecommunications without interruption, an international banking infrastructure, top-notch attorneys and bankers when you need them, an educated and English-speaking labor pool, a low cost of doing business, zero currency-exchange worries, and all the support you could ask for as you work to build a business.

Panama is a stretch of beautiful Pacific coastline in an until-now overlooked region of the country that is beginning to attract the international attention it deserves. Investors are reaping the benefits of a market that offers comprehensive resources for the property investor (not to mention some of the world’s most primo property to think about investing in in the first place!)…plus the active, growing marketplace to make it all pay off.

Indeed, despite slowdowns and meltdowns elsewhere, Panama’s economy continues strong, expanding quicker than most any other in the world. The canal, the ports, and the Colon Free Zone have benefited greatly from regional and international trade expansion over the past several years. Meantime, the construction industry has boomed, and the financial sector has expanded. Unemployment has fallen to an unprecedented low.

The country is mid-boom…there’s just no other way to describe it. Its economy expanded by more than 11% in 2007…and that following an average annual growth rate of nearly 8% during the preceding three years. The surge continued through 2008 (in which the growth rate was 10.1%). Panama even finished out 2010 and 2011 with 7.5% and 9.6% growth respectively, global market and fiscal fiascos notwithstanding. As well, the outlook now for Panama is sunny and blue skies…the IMF recently projected steady growth into 2012, and the country has been recognized as “investment grade.”

The Panama Canal expansion project is in full swing…a new highway is being built between the country’s two main cities, Panama and Colon…and downtown in the capital is being completely reconfigured with a new, widened central thoroughfare, a city bypass system, and a broad, grassy stretch of parkland along the bay.

I for one am here to take advantage of unparallel business and investment opportunities.

But perhaps you have another agenda entirely. Perhaps you’re at a stage of your life where you’d like to slow down…to get away…to take time to smell the coffee each morning…

Again, I can’t imagine a better place to do that right now than Panama.

But Not in Panama City. Many foreigners have retired to the Panamanian capital, but it’s not a take-it-easy retirement of peace and quiet, for Panama City is the farthest thing you could imagine from peaceful and quiet these days.

In other words, Panama City probably isn’t your idea of an ideal retirement haven. But travel beyond its capital, the retirement options in this country are hard to beat.

At this point in my life, I could be based anywhere in the world. Panama’s pro-business, pro-growth President Martinelli is making me feel very good about my decision to move to Panama.

Expats just like me are benefiting every day from the advantages of living and doing business in this country. And we’re taking great pleasure in watching this little country work so hard to continue along her path of peace, prosperity, and growth.

We’re not the only ones, of course.

A Land of Transformation

Transformation is a way of life in this country. Ask a hundred people from anywhere in the world why they moved to Panama, and you’ll hear a hundred stories of new opportunities and dreams fulfilled.

A French Canadian woman and her Panamanian husband moved from her homeland to his, intending to retire. Elyse and Paul had enough of the cold, so they bought a house in one of Panama’s most appealing mountain towns, within easy-access distance of Panama City. They created a lush Garden of Eden in their back yard, where Elyse dreamed they would finally relax together. But seeing all the new faces arriving in their corner of the world from all over the globe, Paul had a different idea. He had always dreamt of owning his own business. So, instead of retiring, Paul started a new venture, buying, roasting, and selling organic coffees from the mountains of Panama…

Another couple from the Netherlands tired of the stress of running businesses in the developed world. Lydia and Dennis decided to sell everything and move to quiet Bocas del Toro. They bought a house far out of town on a sleepy dirt road directly in front of the sea, where they looked forward to being lulled to sleep each night by the gently lapping surf. Quickly recognizing opportunity, though, their lazy days at the beach were cut short. The couple opened a bed and breakfast and today welcome guests from all over the world to their backyard botanical garden, complete with lily pond, night-blooming jasmine, a pet sloth, and red, green, and yellow frogs…

“I wish to congratulate you for the quality of your reports. The plain, matter of fact, but essential and wise information we all need to take vital decisions, especially in these extremely difficult times.”

— Peter L., United States

A successful businessman from the U.K. sold his business at age 50, bought the top floor of a new high-rise apartment building in Panama City, and settled into a new life. Four years on in Panama, Edward has discovered that this tropical paradise suits him perfectly. Edward enjoys improved health, a wide circle of new friends, and a new business endeavor, which he has undertaken with renewed energy and enthusiasm…

People come to Panama for many reasons. To retire to a mountain hacienda, a condo on the golf course, or a seaside retreat…

To start a new business in a free market where capital goes far…

To protect and grow assets in one of the world’s few remaining safe havens…

All excellent reasons…but they may not get to the heart of what really draws folks here from all over the world. In fact, sometimes, those who seek out this land of opportunity may not understand themselves the true Call of Panama.

Simply put, people come to Panama to build better lives than they could live anywhere else.

You don’t have to look far to find solid and logical reasons for why you should think about spending your time and your money in Panama.

You’ve heard me say it many times…Panama is the world’s #1 Retirement Haven, offering the best program of retirement benefits available anywhere in the world, bar none.

And, no question, this country is the best place on earth to start and run a business right now. The costs of doing business are low. The labor pool is impressive and affordable. And the government is pro-business, meaning you, as an employer, are left alone to run your business.

The facts of this place are overwhelmingly positive. Financial incentives. Steadily growing economy (despite the uncertainty, slowdowns, and worse that other countries around the world are struggling through right now). Both turquoise Caribbean and crashing Pacific coasts, now just a couple of hours apart by car via a brand-new, smooth-as-silk toll road. Plus lush and cool mountains, with quaint villages and easily accessed hiking trails, where monkeys and toucans are common sights.

But beyond all that, there’s something else that makes Panama unlike any other country in the world. One you have to experience to appreciate truly.

So How Do You Reap the Benefits and Realize the Opportunities?

How do you begin to take advantage of everything this Land of Opportunity has to offer? How do you navigate the opportunities for retiring, investing, launching a business, or reinventing your life in Panama?

How do you get started?

You break the adventure down into steps…with the help of the new Panama Starter Kit. This is a new-and-improved Panama Total Support Package.

Whether you’re looking at Panama as a place to invest, to retire, to start a new business, or to launch a new life, you need help. The Panama Kit was designed to provide that support, to help you make the leap from home to here, from novice expat to resident expert.

And now, this primary Panama resource, The Panama Starter Kit, has been expanded to include even more essential information.

You need a helping hand from others who are already in place, in country, ready with advice and counsel. You need to know who to call, where to look, and how to operate. The expanded Panama Starter Kit gives you all that…and much, much more…

It’s Your Bridge to a New Life in Panama

Building a new life in a new place has its challenges and its frustrations, especially if you have never lived in a foreign country before. Relocating overseas, the first thing you realize is that nothing works the way you expect it to work. This new place has its own ways of doing things…from how you check out your purchases at the electronics store to how you price produce in the supermarket…from how you open a bank account to how you pay your electric bill…

Not a big deal…if you know what you’re in for in advance…if you’re prepared.

That’s where the expanded Panama Starter Kit comes in. This Total Support Package shares all the information and insider know-how my team and I have gleaned over 12 years of doing business, investing, and living in Panama.

No matter how much research you do in advance, you don’t really know your way around a place until you live there. Meaning that’s who you want to take advice from about the opportunities for living anywhere in the world…people who’ve already invested their own time and their own money.

Who else is going to be able to tell you…

  • The most efficient way to get around Panama City as a newcomer (and how much you should pay for the service)…
  • How to navigate Panama City’s fast-changing apartment rental market…frankly, this intelligence is invaluable right now…what should you expect to pay for an apartment in a neighborhood where you’d want to live? Our insiders, all current residents in this country, tell you…
  • Which of this country’s many little coastal and mountain towns offer the greatest opportunity and the most comfortable living for the would-be expat retiree…
  • Where to look in this country right now for the best real estate investment opportunities…
  • The secrets of buying real estate in a country with no MLS and a completely different system of buying and selling than you’re used to…including four things you absolutely must remember to do when buying real estate in this country…
The Six Best Places to Live In Panama

Panama is a tiny sliver of a country that boasts a tremendous variation in landscape, climate, and culture. The lifestyle options in this country are all over the board–21st century, Old World, Caribbean, Pacific, mountain, riverside…

We’ve scouted them all and, in the new Panama Starter Kit, introduce you to the top options no matter what way of life you seek, presented in a format that makes it easy for you to compare and contrast each with the others and come to your own conclusions about what’s best for you.

There’s the modern Panama City, with its Miami-like skyline, cosmopolitan nightlife, designer shopping, five-star restaurants, and new paseo of parkland fronting the Panama Bay…

There’s the colonial city, Casco Viejo, whose red-tiled roofs, shuttered windows, wrought-iron balconies, and shady plazas are surrounded on three sides by the sea. This is the quiet, picturesque, historic part of Panama City, where, on a balmy tropical evening, sipping wine at an outdoor restaurant beneath the intricately carved stone steeple of a 300-year-old church, you can imagine yourself in Spain, Italy, Portugal, or maybe France (it was, after all, the French who built much of this quartier)…

Maybe you’d prefer a new life in one of the picturesque wooden houses painted a bright Caribbean hue and nestled on the coast of one of the islands off this country’s Atlantic coast. Popular with Europeans, the most common way to get around this part of the country is by water taxi…

But rain and heat are facts of life in Panama City and on the Caribbean coast. What if you prefer cool, fresh, mountain air? Or a place less traveled, and therefore more economical, where your retirement funds, even modest, could support you in comfort through a long and comfortable life…

… how about a small town on the Continental Divide that’s just now being discovered by outsiders? Known for its annual orchid exposition, waterfalls, and stunning mountain views, the town is located on a well-paved road. Accessible, but remote. Quiet, peaceful, local. Not an expat haven, but a real Panamanian village where life is simple, friendly, and downright cheap. You could enjoy a comfortable retirement in this idyllic retreat on a budget of as little as US$700 a month.

Property, too, in this emerging region of Panama can be a great bargain, and we’ll tell you where to go and how to buy to beat the rush.

Perhaps your priority, though, is an easy transition. Maybe you’d like to move into an established expat community and bring your current lifestyle along with you, with minimum hassle. Panama is home to a well-established foreign retirement community, where you could get around with a minimum of Spanish and meet your neighbors every morning for a cup of the local coffee and a chat in English. We’ll tell where to find this and what it will cost to become part of one of the most thriving overseas retirement communities in the world.

I’ve given you the Big Picture…

Now you might ask, “What About the Day-to-Day Nitty-Gritty?”

Deciding on an area to check out personally as your next home is one thing. Settling in and learning your way around is a different challenge.

We’re here to help you as much as we can with both, with the tips for daily living that only residents like our Panama editors could assemble. The Panama Starter Kit includes “Panama 101: 101 Things You’ll Wish Someone Had Told You About Panama.” Jam packed with the best tips, tricks, and insider secrets…everything you need to know for establishing your new life in Panama.

Who you Gonna Call? – For the Experts You Need or the Ice Cream You Can’t Live Without

To build a new life in a new country, you need lots of resources–attorneys, accountants, bankers, insurance agents…

Plus…hairstylists…handymen…dry cleaners…

“Congratulations. Your reports are wonderful. I’m a completely satisfied customer of yours.”

–Alberto R., Brazil

Just as important (I’m sure you’ll agree) are good references for ice cream parlors…movie theaters…gourmet food shop…

How do you find all these resources in a brand-new place? The “Little Black Book for Panama.” It contains a personal rolodex of in-country contacts, resources, and referrals. And it’s only very privately circulated. You can’t buy the “Little Black Book for Panama” anywhere!

Accumulated from more than a dozen years spending time, investing, and doing business in this country… this impressive and far-reaching list of in-country contacts and resources will be your ‘go-to’ resource for almost any question. And, as part of the Panama Starter Kit, it’s all there for you.

It’d take you many months, several trips to the country, and many thousands of dollars invested in travel and research to put together a rolodex like this one. And it’s but one small piece of the expanded Panama Starter Kit.

The new Panama Starter Kit includes all the information and intelligence you need to launch your new life in Panama including:

  • How to hail a taxi and how much to pay for the ride…
  • How to choose which of Panama’s 14 residency visa options is the right one for you…
  • What you need to bring your pet with you into the country (and which pets you may not be able to relocate with you at all)…
  • What to bring with you from home…and what to leave behind…
  • How much to pay to buy and to rent, region by region…
  • Where to look for the best buys in Panama City (This market has boomed and is beginning to settle. Prices are soft and more negotiable than they’ve been in a decade. It’s still not time to buy for investment in Panama City, but it’s more a buyer’s market now than you may realize, if you know where to shop.)…
  • How to take advantage of investment incentives in the Panama City’s colonial old town…
  • How (and when) to lease to buy…
  • How to buy to avoid paying property and other taxes…
  • Four things you must remember to do when buying real estate in this country…
  • Panama’s seven top choices for expat living and how they compare…a clear look at the pluses and minuses in each case…
  • Current employment options and opportunities…
  • How to earn a living if you can’t find a job…
  • Important tips for the would-be entrepreneur…and top business opportunities to consider for 2012…
  • When you shouldn’t try to conduct business over a meal…
  • What you’ll need to open a personal bank account…and what you’ll need to open a corporate one (first thing you’ll need is an appointment…we tell you how to get one)…
  • An emerging investment opportunity you may never have considered…but should…
  • The one Spanish word you must learn before visiting the country (it’s not por favor or gracias)…
  • Top options for primary and secondary education in the country…
  • Seven questions to ask when shopping for health insurance to cover you while in Panama…
  • Top choices for med evac assistance…
  • Where to find a 24-hour pharmacy…
  • How to have your international mail delivered…

Specifically, the new and expanded Panama Starter Kit includes:

    • Live and Invest in Panama,” the complete, 221-page guide (a US$79 value)… This complete and current guide to Panama introduces you to the country’s top seven choices for expat living and helps you to compare them, one to the other, with a clear look at the pluses and the minuses in each case…
    • Panama 101: 101 Things You’ll Wish Someone Had Told You About Panama” (a US$9.99 value)… In these pages, you’ll learn vital lessons, including the absolute maximum you should ever pay for a taxi ride across Panama City…what not to wear if you want to be taken seriously by your new compatriots… where to go to shop for books in English…a guide to festivals and seasons…and helpful Panamanian-isms…
    • Panama Residency Visas Supplement, containing fully up-to-date information on all 14 of this country’s top foreign residency options (a US$9.99 value)…This is your step-by-step guide with answers to all your residency- and visa-related questions…
    •  “Little Black Book for Panama” — a private Rolodex, not available for sale anywhere… This is a guide to the best in-country contacts, updated frequently…free of charge…
    • The Special Panama Report, “El Valle de Anton, the World’s Top Retirement Haven” (a US$9.95 value)…To get you started on your Grand Tour of Panama, this special report features the little mountain town of El Valle de Anton, conveniently located 30 to 45 minutes from the beach and about two hours outside Panama City…so you can regularly enjoy the best of the city, without its heat and humidity…
    • The Special Panama Report, “Last Tablas, Beach Lifestyle Bargain in Panama” (a US$9.95 value)To continue your Grand Tour of Panama, this special report features the town that offers the best of Pacific coast beach life yet is still relatively unknown, meaning the cost of everything from fresh fish to beach house rentals is super affordable. You could enjoy a comfortable, quiet, laidback life on the water, for as little as US$1,200 a month, including the cost of your rent
  • The special report, “44 Things You Must Know Before You Relocate, Retire, or Invest Offshore,” the nuts-and-bolts support you need to plan your adventures in Panama with confidence (a US$29 value)…

Again, this kit is written by ex-pats who are living here, and keeping up with the ongoing market changes is no easy thing, even for people on the ground.

In all, the expanded Panama Starter Kit is a US$147.88 value–not accounting for the “Little Black Book for Panama,” a private Panama rolodex, not available for sale anywhere at any price.

However, for a very limited time, you can gain access to all elements of this new and expanded Panama Starter Kit for just US$97…that’s nearly 35% off the full Panama Starter Kit price.

Go here now to take advantage of this offer.

Sincerely,

PanamaMark, Learn About Panama and Kathleen Peddicord, Live and Invest Overseas

P.S. This is also the most complete and current resource to living, investing, retiring, and doing business in Panama available anywhere. I guarantee it. If you don’t agree or if you are disappointed in any way with the information, insights, recommendations, and discoveries shared in the Panama Starter Kit, simply say so. Your full purchase price will be refunded, no questions asked.

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