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Home Country Manuals Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less - ONLINE VERSION

"Give Me A Break!"

All he wanted was a dignified retirement…
a little comfort and respect after a lifetime of hard work.
Here’s what he got:

A gorgeous condo with a fantastic ocean view. A doorman who takes care of everything and a maid who keeps the place clean and does the laundry.
Fabulous meals at the city’s best restaurants.
Freebies. Discounts. Special treatment everywhere.
And never a minute spent waiting in line… anywhere.

Thanks to Panama’s Pensionado Program, he says
"I’m living like a celebrity!"

Dear Reader,

A few years ago, at his home in Orlando, Al Fine fell and cracked a hip. After several phone calls to the local Medicare office, one thing became clear: Medicare refused to pay for the hip replacement surgery he needed.

In his mid-70s, Al was told he was "too old for a hip replacement surgery."

This was the ultimate humiliation, he felt. After all, he’d worked hard all his life, paid his taxes, and paid into Social Security and Medicare. And this was his payback.

Al was furious. He grudgingly paid for the expensive surgery out of his own pocket. But he wasn’t happy about it. All he really wanted was the care he was entitled to. And to live out his retirement years as comfortably as possible, with the dignity and respect he felt he’d earned after a lifetime of contribution.

So when his wife, Carmen, suggested they move to her home country of Panama, Al was all ears.

"The Panamanian people are very kind and courteous," he says. "And they’re very respectful, especially to people my age. They open doors for you, offer you a chair…"

But would this courtesy and respect extend to everyday living in the country, Al wondered?

What he found out shocked him. And delighted him. Because respect for seniors is actually a law in Panama.

In 1987, you see, Panama passed Law 9. Originally designed as a way to reward Panama’s own senior citizens for a lifetime of hard work, the government of Panama extended these same benefits to foreigners who retire to Panama.

Now known as Panama's pensionado program, it’s the most generous and appealing program of special benefits you'll find anywhere in the world today.

Best of all, you needn’t be any ‘official’ retirement age to qualify.

As Al Fine learned more about Panama’s pensionado program—and the appeal of Panama itself—the more determined he was to start a new life there. He and Carmen sold the house in Orlando and bought a brand-new high-rise condo with a sparkling view of the Bay of Panama.

Today, six years later, he couldn’t be happier with that decision. As he says, "Opportunities don’t go away. They go to someone else. I was determined not to let this opportunity to live this fantastic lifestyle pass me by."

In Panama, he says, "I live like a celebrity… like I have all the money and prestige in the world. And I’m doing it all on a pensioner’s budget."

As he tells it, he never has to wait in line at a bank, hospital, or restaurant. (Pensionados have their own VIP lines or go right to the front at these places.)

Qualifying for Panama’s Pensionado Program is Easy, No Matter Your Age

Even if you're under 50, you can qualify as a pensionado in Panama. Just provide documentation of a guaranteed pension income of $1,000 a month from a government agency (e.g. social security, disability, armed forces) or corporation. If you buy a home in Panama valued at $100,000 or more, that amount is reduced to just $750 per month.

And he gets special discounts on everything from movie tickets to plane tickets and just about everything in between.

"By law, you get a discount on everything you touch," he says. "I pay $2.50 to watch a first-run movie at a 14-screen theater… in English. I pay $5.50 for a blood test to check my cholesterol at the Johns Hopkins Hospital, and I pay $185 for a round-trip air ticket from Panama to Miami."

Plus, he says, he and Carmen eat out regularly at some of Panama’s most popular restaurants. "A few bucks for breakfast, $2.25 for lunch, less than $5 for dinner. Is this a great country or what?!"

Panama Should Be in the Top Spot on Your
Retirement Destination List

I have to agree. Panama is a great country. My name is Jessica Ramesch and I have lived in Panama for over nine years. I’m proud of this country and all it has to offer… to those who are born and raised here as well as to those who come here in search of a lifestyle upgrade.

I think Panama should be in the top spot on anyone’s retirement destination list. And not just because of the pensionado program. (I’ll give you all the details about this best-in-class program in just a minute.)

The truth is that the pensionado program is just the icing on the cake. If I had to pick the most important things you should know about Panama, it would be these:

It’s politically stable and safe. And because of the U.S. influence in the former Canal Zone, it’s arguably the most modern and sophisticated country in Central America. And it's truly affordable, offering both value and variety.

If you’re looking to retire, start a business or a new life, there are so many reasons Panama makes sense:

  • Besides being politically stable, Panama is safe and welcoming to expats.
  • There is a climate for everyone, thanks to both tropical beaches and temperate mountains. Choose your weather!
  • The health care is top-quality and affordable—our gleaming new Punta Pacifica Hospital is affiliated with Baltimore’s renowned Johns Hopkins Hospital.
  • You’ll pay zero income taxes in Panama on your foreign-earned income.

And yes, some of the things I’ve just mentioned are also true of many Latin American countries. Some are even closer to the U.S. (but not by much). And most have democratically elected governments. (Although few are as stable and safe as Panama.)

But there are some things that are unique to Panama that you may not be aware of:

  • It’s close to the U.S. (just a 2 ½ hour flight from Miami).
  • You can drink the tap water nearly everywhere.
  • Many of the homes for sale here come with property tax exemptions of 5-20 years.
  • The U.S. dollar is the official currency.
  • There is a built-in community of English-speaking locals and expats.
  • No hurricanes here—ever!

Plus… affordability, affordability, affordability! And yes, of course… the world’s best retirement incentive program.

Why Does Panama Have So Much Going For It?

Because of its strategic location and its close ties with the U.S. (the U.S. built the Panama Canal and administrated it until 1999), Panama offers state-of-the-art benefits—benefits we take for granted in First-World countries.

For example, the roads are smooth. It has state-of-the-art infrastructure and services… reliable high-speed Internet access… cable and satellite TV… easy, widespread access to U.S. products and services… excellent healthcare… and more… Plus, Panama is outside the hurricane belt (in fact it's virtually free of natural disasters.)

Of all the retirement havens in the world, Panama offers—without question—the best retirement and lifestyle benefits you'll find anywhere.

The Perks and Prestige of a Pensioner in Panama…

As a qualified pensionado in Panama, you’re entitled to:

  • 50% off entertainment—such as movies, theaters, concerts, and sporting events—anywhere in the country
  • 50% off closing costs for home loans and more—
  • 50% off hotel stays from Monday through Thursday
  • 30% off hotel stays from Friday through Sunday
  • 30% off bus, boat, and train fares
  • 25% off airline tickets
  • 25% off at restaurants
  • 20% off medical consultations
  • 20% off professional and technical services
  • 15% off hospital bills (if no insurance applies)
  • 15% off dental and eye exams
  • 10% off prescription medicines
  • And more…

You're also entitled to a one-time exemption from duties on the importation of your household goods (up to $10,000) AND, an exemption every two years from luxury tax on the importation or local purchase of a car.

Since the cost of living in Panama is so low in the first place, you'll be able to live on much, much less than you ever dreamed possible. There are many couples who are living very comfortably on budgets as low as $1,500 a month. With just a little bit more…say $2,500 per month—you can live very, very well. I do!

Keep reading for a look at exactly what kinds of monthly expenses you might expect in Panama…

But first, I'd like to tell you about a new report called The World's Best Retirement Program: Your 3-Step Guide to a Pampered Life (value $49). In this quick reference report we'll share our three top tips that will get you on the road to living the life you've always dreamed of in Panama. We'll share with you some of the best places to look for your dream home, how to start your real estate hunt and very importantly the visa option available to you, including comprehensive details of Panama's famed Pensionado program.

And we're making this report available to you absolutely free when you purchase Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less..

We've been publishing this hefty best-selling manual for more than a decade now. There's nothing else like it on the market. Not a travel guide (although you'll find our insider recommendations for hotels, restaurants, and more) it's a complete encyclopedia of everything you need to know about life in Panama for the expat.

We've included details, information, names, contact information, and more. I guarantee Escape to Panama will help you decide if Panama is for you. But again, you needn’t just take my word that Panama is the place to be according to the Migration Policy Institute, a Washington-based think tank that studies the movement of people around the world, the number of Panama visas issued to U.S. and Canadian citizens alone began to rise dramatically after 2003, and an estimated 25,000 U.S. expatriates live in Panama today.

I’ll tell you more about Escape to Panama in just a minute. But first… I know the biggest question on everyone’s mind right now:

Are There Still Deals to Be Had
on Panama Real Estate? YES!

As Business Week magazine reported in 2009, "a luxe beachfront manse can be had for the same price as a dump in Daytona."

In that same Business Week article, International Living reader Jon Nickel was quoted.

"We would have been looking at $3 million in Miami," he said of his 3,000-square-foot oceanfront penthouse in Panama City. But Jon and his wife, Gretchen, bought their home in late 2007 for $250,000, right after Jon retired from his corporate law job in Portland, Oregon.

The sprawling, sparkling condo in Panama City's upscale Punta Paitilla neighborhood has a birds-eye view of the equally sparkling Bay of Panama from the floor to ceiling windows. The doorman screens visitors, helps carry packages, and more. Daily household help—for cleaning, cooking, and laundry…is inexpensive and readily available.

In fact, by moving to Panama, Jon was able to retire earlier than he had originally planned—at age 58.

And yes, five years later, deals like the Nickels got on their condo are still available in Panama. Thanks to the global economic downturn, I daresay some prices are about the same as they were when Jon and Gretchen bought their home.

Bottom line, thousands of expats in Panama enjoy a luxurious lifestyle that they couldn't have afforded in the U.S.

Check out these bargains I just found:

  • In Panama City's Las Cumbres neighborhood a three-bedroom, two-bathroom, 2,300-square-foot home sits on a lot of over 4,000 square feet. The home features a covered terrace and is in a gated community. Price: $85,000.
  • In Paitilla, a two-bedroom, two-bathroom apartment is for sale. The building is already 20 years old, so there's no remaining property tax exoneration, but the unit is a spacious, 1,000 square feet and the building has a social area, pool, and doorman. Price: $139,000.
  • A new apartment in the highly coveted community of Albrook is on the market. The two-bedroom, two-bathroom home has a maid's quarters with a bathroom and is about 900 square feet. The building features amenities such as a doorman service, a pool, a gym, and visitor parking. Price: $180,000.

And remember, Panama offers a big buyer’s incentive in its tax-exemption program. Buy new construction and you are exempt from paying any property taxes for up to 20 years!

Not ready to buy? Rent!

Panama City offers a multitude of choices for people in the market for a good rental. If you plan to spend $600 to $1,200 per month in rent, you'll have lots of options for quality living. Outside the city, you'll spend even less. It's not uncommon to find comfortable rental homes and apartments for $500 or less a month in popular towns like David, Penonome, El Valle, you name it…

According to International Living Real Estate Editor Ronan McMahon, who has logged hundreds of thousands of travel miles in pursuit of the world’s best real estate bargains:

"The past five years has seen an unprecedented boom in Panama as the skyline has been transformed with cranes and new construction. As condo buildings complete, some buyers (mostly from the U.S. who had planned on raising funds from lines of credit at home) find themselves unable to close. They need to sell—or they will lose their deposit, and maybe more. They are joining the growing ranks of motivated sellers.

A motivated seller will sell for much less than the "official" price per square meter. With the right contacts and information, you can buy a quality condo for $1,500 per square meter—more than 40% less than that "official" price."

You can find these ‘distress-sale’ opportunities if you know where to look. In Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less, you’ll learn exactly where to look to find the best bargains.

Prefer to live outside bustling Panama City? That’s where the real bargains are found:

  • An A-frame cabin in Altos del Cerro Azul is on offer. A two-bedroom, one-bathroom home of about 1,000 square feet on a lot of 27,000 square feet. The home is basic but boasts tennis courts, a pool, a clubhouse, and more. Price: $95,000.
  • In Boquete, the boutique mountain town in the Chiriqui province that's become somewhat of an expat enclave (although it certainly retains its Panamanian flavor) you can buy a quarter-acre lot for just $40,000. The lot is spacious enough for one house or even a small inn. The land is flat and comes with a paved access road and view to Volcan Baru.

A word about Boquete… it’s been named one of the top destinations to retire outside the U.S. by Forbes, Fortune, and AARP’s Modern Maturity magazine. That’s thanks to its stunning vistas (and oh so healthy) temperate mountain climate, its modern amenities, delicious fresh food, and more. (Boquete is known for its fresh strawberries and cream and for having the best coffee in the world! Need I say more?)

You’ll learn all about the bounteous beauty and benefits of Boquete when you order Escape to Panama.

Maybe beach living is more your style? You, too, will be happy in Panama:

  • The Las Lajas de Coronado development is a 30-minute drive from Coronado town center. The two-bedroom, two-bathroom home is just over 1,200 square feet and sits on a lot of about 3,000 square feet. The unit is located just minutes from the beach and comes with central air conditioning and furniture, and the gated community has a social area and pool. It also has a covered carpark and terrace. Price: $110,000.
  • A newly-constructed condo in Gorgona is in a private complex with a gazebo, barbecue area, social area, and two swimming pools. The two-bedroom, two-bathroom unit is about 1,050 square feet and features an open kitchen. Price: $140,000.

Reclaim Your Retirement Dreams Like This
Steve and Linda Did

Panama is safe and secure. It’s close to the U.S. You’ll find world-class health care there for a fraction of what you pay back home. In fact, everything…including real estate…is more than affordable in Panama. And foreigners are offered the same property rights and discounts as locals are.

I honestly can't think of any other country in the world that offers so much to international visitors, expats, retirees, and entrepreneurs.

It's no wonder that the rest of the world is catching on—or that those that have already discovered Panama are so enthusiastic about it.

Like Steve and Linda Johnson. In 2002, and just about to turn 57, Steve was a corporate executive, and Linda, 51, owned a successful specialty dog-food business.

They were starting to think about retiring. Problem was, they’d gotten a late start on their retirement planning. They didn’t have as much equity built up in their home as they would’ve liked. They had watched their friends struggle in retirement with rising taxes and runaway healthcare costs. And these were friends who were better off than they were…

Over late-night glasses of wine on their patio, they talked about their options. Linda had taken up surfing on her 50th birthday, and she wasn’t ready to give that up. Steve wanted to be in a place where the cost of living was low since his pension would amount to 40% of his pre-retirement income of $150,000.

But they were pretty sure they wouldn’t be able to maintain their current standard of living once they retired. To do that, they knew they’d need to move somewhere with a lower cost of living.

They made a checklist of all the things they were looking for in a retirement destination, and they started doing the research.

One place stood out. Panama.

In 2003, Steve and Linda traveled to Panama and, they say, with help from International Living, they decided that "this place looks pretty promising."

Just outside Panama City, they toured likely beach towns where Linda tried out the surfing.

"We bought a spacious three-bedroom house with a nicely landscaped yard for $100,000 in a little town called San Carlos," Steve says.

Three years later, Linda sold her business and Steve retired.

"We moved to Panama with a dog, a cat, and our suitcases," he says. And they’re more than happy. "Panama may not be the end of the rainbow, but it’s pretty close."

A Man, a Plan, a Canal: Panama’s Economy
is Strong and Growing

Your Family and Friends Will Love Visiting You in Panama

Panama is one of the hottest tourist destinations on the planet! Besides the Canal (the country’s #1 tourist attraction), and the super-fun city, you can indulge your sense of adventure with a trek through uncharted jungles and virgin rainforests and some of the most vast, rich and complex eco-systems in the world (home to over 940 recorded bird species and 105 endangered species)… canoe into rural villages… go on white-water-rafting expeditions… hike through lush green valleys… visit one of the world's largest crater towns… horseback ride along deserted palm-lined beaches… dive in spectacular Caribbean waters… sun yourself on powdery white-sand beaches… all this, and more.

As if the low cost of living and affordable property weren't enough, Panama also has one of the region's top two strongest economies. Since 2007, economic growth has been extremely high at 7-11%. And Panama is one of a handful of countries in the world that did not have a banking crisis in 2009.

What's fueling Panama's stellar growth? First there's that Modern Wonder of the World called the Panama Canal…

I’m sure you’ve heard of the $5 billion Panama Canal expansion project—just one of several mega-projects expected to fuel Panama’s economy in the years to come and just one of many reasons the Latin Business Chronicle ranked Panama the number one "growth champion" in the region in its 2010–2015 GDP growth forecast.

Not bad for a ‘Third World’ country, huh? Well, call me biased, but Panama is hardly Third World… For instance:

  • Panama is more modern than any of its neighbors. You can stay at a rainforest resort or an island hostel and still enjoy the same high-speed Internet that you would in Panama City. (I can work from anywhere, even holding conference calls via VoIP programs like Skype.)
  • From the expanding international airport at Tocumen, also known as the Hub of the Americas, you can travel anywhere in the world—often on a direct flight.
  • New cars of every make and model safely travel perfectly paved roads and highways—the country is small, so you can easily drive from the city to the rural, interior areas, including those gorgeous cool mountains, in just a few hours. See the sun come up over the Caribbean and go down over the Pacific all in one day!
  • With one of the world's biggest banking sectors, business-friendly government, and welcoming immigration policies, Panama offers a combination of benefits that no other Latin American country can match.
Panama is a GREAT Place to Start a Business

The legalities of starting a business in Panama, even for foreigners, couldn’t be easier. As you know, Panama uses the U.S. dollar. And as for employees, you’ll find a well-educated, English-speaking workforce to choose from.

If it’s import/export you’re looking at, there’s no better place than Panama. The Colon Free Zone, located on the country’s Atlantic coast, is the main commercial distribution center of the western hemisphere with some 2,000 companies, spread out over 1,000 acres, operating here. It’s the largest duty free zone in the world after Hong Kong and is served by four major ports with major expansion plans including a new international airport.

You’ll Enjoy the Ultimate Overseas Lifestyle in Panama

So let’s talk affordability… I’ve already touched on the low costs of buying real estate in Panama. And I’ve mentioned the low cost of living here. But just to give you an idea, here’s a typical monthly budget, based on calculations for two people living comfortably in a two-bedroom apartment in Panama City:

Rent: $800  (for their two-bedroom apartment)
Electricity: $60
Water: $12
Gas: $10
Telephone: $10
DirecTV: $75
Internet: $30
Groceries: $500 (includes alcohol)
Transportation: $100 (buses and taxis)
Entertainment: $250 (yoga classes, gym membership, evenings out)
Health plan* $62
TOTAL $1,909

Your own costs may differ depending on your habits and consumption. And, of course, if you pay outright for your home you won’t have any housing costs.

And remember: this budget is typical for a city dweller. If you choose to live outside Panama City—in a pretty little beach town or even in a mountain village like Boquete, your monthly expenses will be considerably less… up to 50% less, in fact.

Take it from me: in Panama, even the lowest budget affords a very good lifestyle. You really can enjoy guilt-free conspicuous consumption at laughably low prices. And on a daily basis!

For instance, splurge on a day of beauty at a local salon ($30), pay a maid to clean your house ($15 a day). A complete blood workup at that gleaming new Hospital Punta Pacifica I told you about earlier (affiliated with Johns Hopkins Medicine International, remember) is $36. A checkup with a physician is $50.

And if you’re in Panama on a pensionado visa, you’ll get a discount of up to 50% on these already amazingly low prices!

How about health care and health insurance?I know boomers who were paying roughly $1,200 a month in the U.S. for health insurance who say that in Panama, they are paying roughly $800 a year for coverage.

So are you ready to learn more about all that Panama has to offer?

Take Action Now—There's Never Been a Better Time

Panama's new President, Juan Carlos Varela, is a pro-business politician who values public investment and de-centralization. He is expected to continue in the same vein as his predecessor, Ricardo Martinelli (2009-2014). Martinelli's business-friendly government worked hard to attract foreign investment, slash red-tape, ease immigration, lower unemployment, and expand Panama's excellent infrastructure. He will likely go down in history as the man responsible for making Central America's first ever metro line a reality...right in Panama City. Whether you plan to live or invest here, you can be sure you'll benefit from Panama's foreigner-friendly, stable government...

One of the Lowest Costs of Living in the World

The Economist Intelligence Unit ranked Panama very well indeed in its most recent Worldwide Cost of Living Survey. In this index of major cities, Panama City ranks as the third least expensive. The Americas' "most affordable capital city," it's a place where luxury comes at a low price.

Whether you plan to live or invest here, you can be sure you'll benefit from Panama's business-friendly, stable government…

If you've ever dreamed of starting a new life in an idyllic haven like Panama, but thought that it's too late…too expensive…or even too crazy an idea to start with, you're in luck.

Your Quickest Route to Enjoying the Good Life in Panama

Nothing compares to Panama and its Pensionado Program.

Importantly, Panama wants you! Its world-class pensionado program was designed to attract foreign retirees. And what a warm and wonderful welcome it is!

With all the economic problems, social unrest, and political upheaval going on elsewhere in the world, Panama shines as a tranquil, safe haven… where you can live affordably, securely, and happily. And that’s all we really want, isn’t it?

In Panama you can have it all—great weather, gorgeous beaches, fresh mountain air, a safe, sparkling city, warm, friendly people and all the luxuries you deserve… but at a fraction of the cost you’d pay at home.

You’ll learn all about it… and then, no doubt, be on the first plane to Panama… once you reserve your copy of Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

As I mentioned, Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less is one of the best-selling publications in the International Living library. And for good reason. It's a comprehensive 280+ page guide that contains the latest inside information and research gathered by our on-the-ground experts and sources in Panama.

Dig into Escape to Panama and get the inside scoop straight from experts and expats living here full-time. You’ll be introduced to Panama’s best resources… attorneys, bankers, real estate and insurance professionals, doctors, dentists, veterinarians, and more. (There’s a comprehensive section on moving your pets to Panama. There’s no quarantine, but there is specific documentation you’ll need.)

We’ll introduce you to the country’s best cities, towns, beaches and islands where you can start your new life:

Affordable, cosmopolitan Panama City. It’s a city of skyscrapers, modern office buildings, state-of-the-art new hospitals and hotels of shining glass. You can dine in five-star restaurants. Attend plays, symphonies, and the ballet and shop at the many unique boutiques. High-speed Internet is everywhere. And in Panama City, you can enjoy these First-World luxuries at about half the price you’d pay in any U.S. city. You’ll learn all about this future-forward city in Escape to Panama. We’ve even devoted one complete chapter to helping you find the home of your dreams here. Read all about the best neighborhoods to buy in, and at bargain prices, including the historical colonial Casco Viejo.

A lush, hidden valley just an hour from the city. Closer than you'd imagine to Panama City, an idyllic valley awaits. With lush green mountain vistas, tinkling waterfalls, bright flowers that offer explosions of colors, markets filled with fragrant tropical fruit, near-perfect, spring-like weather year-round… and surprisingly inexpensive homes and land. Cradled in one of the world's largest volcanic craters, this town is also less than an hour from Panama’s best white-sand beaches. More and more expats are moving to this secret garden valley… and you’ll understand why after you read Chapter 5 of Escape to Panama.

Glorious coastlines, pretty beach towns and unspoiled tropical islands. Where are the best and most affordable places to buy beachfront property right now in Panama? Remember, we have both a Caribbean Coast and a Pacific Coast… and hundreds of tropical islands plucked straight out of a travel guide poster. There are a couple of beach areas, in particular, that are poised to boom. Read all about them…

Boquete and its up-and-coming (and affordable) alternative.  For all the reasons I’ve already explained, Boquete is, hands down, one of the most popular destinations for foreign retirees. But there’s another nearby village with many of the same traits. With the same spring-like climate year-round, the same fresh mountain air, and the same beautiful scenery as Boquete—but with prices that are 40% to 70% less! You’ll want to know about this secret spot. And you will, when you get your hands on Escape to Panama.

No one has better insider intelligence, better resources, or better advice about Panama than International Living does… and in Escape to Panama, you’ll be privy to it all, including:

  • How to choose and easily qualify for the right visa. The residence process is simple. And unlike some other countries we know, Panama has never revoked residence rights. So once you have your residence it's yours… for life. Your visa typically takes no more than 90 days to process. You just need to know which visa is right for you and where to start.
  • Where to find affordable, first-rate health care. You'll find all the health care services that you want and need, but at a fraction of the price in the U.S. or elsewhere. Insurance, too, is highly affordable, as are prescription medications. Many that require a prescription in North America are available over the counter in Panama. Get the complete rundown as well as contact info for doctors, hospitals, insurance agents, and more in your newly updated Escape to Panama.
  • Financial privacy and tax benefits.Long before Panama became known as a top retirement destination, it was known as a business and banking haven. Open a bank account, set up a corporation, trust, or private foundation... and take advantage of major tax and asset protection benefits. And remember, when you move to Panama, you're poised to take advantage of exemptions on import taxes, exemptions of up to 20 years on real estate taxes, and zero income tax on your foreign-earned income.

Of course, this is only the tip of the iceberg… just a small glimpse at what you’ll learn in Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life for Less.

If you think about it, you can see that it would take years to gather all this information on your own. But you don't have to. You can leverage our expertise, experience, and resources when you reserve the newly revised, completely updated Escape to Panama.

The best part is that we publish this bundle electronically…so it's much more useful, colorful, and interactive than ever before. And you'll have access to it as soon as your order has processed. If you would like to purchase a printed version, go here.

What's more, we're so confident that you'll be pleasantly surprised by all Panama has to offer, that we’re giving you a 30-day, no-hassle, money-back guarantee. If for any reason you’re not completely satisfied with the depth and breadth of information you find in Escape to Panama, we’ll refund your purchase within 30 days, no questions asked.

Just Like the Country Itself, This In-Depth Look at Panama is Remarkably Affordable.

Escape to Panama is your best guide to the best retirement haven around, and right now we're offering it for just $99.

Just like Panama itself, this is a huge bargain—especially for the amount of current, usable information included. And especially considering that it could launch you on your way to the most enjoyable—and affordable—life you've ever imagined.

Plus, we'll send you a valuable free Special Bonus Report – The World's Best Retirement Program: Your 3-Step Guide to a Pampered Life (Value $49). This report provides complete details on the one-and-only Panama pensionado program.

Retirees are drawn here by the Pensionado program, one of the best retiree benefit programs in the entire world. As Al Fine would say, "Don’t let this opportunity pass you by!" Find out exactly how to qualify and learn all the juicy details about the tremendously lucrative benefits this program offers.

Once you read about all that Panama has to offer… and read the stories about those who are living the good life here I expect I’ll meet you in Panama someday very soon. I look forward to it!

Please note, this format is a downloadable PDF. If you would like to purchase a printed version, go here.

Best regards,

Jessica Ramesch
Panama Editor, International Living

P.S. Last year Escape to Panama was one of the best sellers in the International Living bookstore. No other country offers the benefits of Panama’s Pensionado Program. If you’re looking for the most welcoming place in the world to retire, start a new business, or where you can just enjoy life the way it’s meant to be… then you need to know more about Panama. Act now and put yourself on the path to a fantastic future!

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