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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

A Cosmopolitan Latin-Flavored City,

1,500 Miles of Both Pacific and Caribbean Coastline,

Perfect-Weather Mountains…

And the Cost of Living is So Low, Bill and Mitzi Easily Live on Their Social Security Benefits… With Enough Left Over to Travel

In Panama, they say, "It's a very good life."

Dear Reader,

"Welcome to Paradise."

That's the sign outside the door to Mitzi and Bill Martain's home near the little village of Santa Fe, in the mountains of Panama's Veraguas province.

"We're about halfway… just a few hour's drive from either Panama City or Costa Rica, and the same from either the Pacific Ocean or the Caribbean," Mitzi says.

"We live on 10 acres that border the Santa Maria River, the most absolutely beautiful, bold year-round river you've ever seen. The Continental Divide is just a few miles away and there are lush mountains with waterfalls, and wild toucans and other birds…"

The community of Santa Fe, as Mitzi explains, is smack dab in the middle of Panama, an hour from the provincial capital of Santiago, where they go for shopping and medical services.

Santa Fe is a tiny rural town—only about 20 households of expats live here, Mitzi says. It's an agricultural community of mostly indigenous people, who run cooperativas where local farmers sell what they grow.

"This is citrus and coffee-growing country," she says, "so we have wonderful oranges, mandarinas, grapefruit… It's very, very safe, with healthy clean air, clean water, clean everything… There's not a lot of garbage and you have space… if you have dogs and cats, this is the perfect place."

Of course, this paradise is not for everyone, Mitzi says. If you're a city person, you'll surely be happier in cosmopolitan Panama City, just four hours away.

There, you'll find anything and everything you might possibly want… both discount and upscale shopping malls, ultra-modern supermarkets with all the in-demand brands, wine and cheese boutiques… and of course, top-quality hospitals such as the gleaming Punta Pacifica, affiliated with Johns Hopkins in the U.S.

The truth is, Panama has so much going for it, including the "world's best" Retirement Program that offers a myriad of hefty discounts and other incentives.

For all these reasons and more, Panama is one of the world's top retirement destinations.

You can satisfy just about any lifestyle dreams in Panama. If you prefer beach living, for example, you'll find more than 1,500 miles of coastline, including some 1,000 idyllic islands.

And besides little Santa Fe where Mitzi and Bill live, there are other mountain towns, too, like Boquete, which are far larger, with well-established expat communities and all the modern conveniences you'd expect.

But as Mitzi tells it, she and Bill didn't choose Santa Fe as much as it "chose them."

Back in 2000, they were living happily in North Carolina. But then the airline Bill had spent 36 years working for went bankrupt and he lost his pension and health insurance.

To make matters worse, after the 9/11 tragedy, the travel agency Mitzi owned went out of business.

At the time, Bill and Mitzi were both 60 years old… two years away from Social Security and even farther from Medicare. They had lost everything.

But a year earlier, on a scuba-diving trip to Panama, they'd fortuitously bought a piece of farmland. They now saw it as their salvation.

"We sold everything we had left in the States," she says, "and we came to Panama and lived on the proceeds until we reached 62 and could collect Social Security."

It was the best decision they ever made, she says.

"We love our wide open spaces with room to spread our wings. We take walks with our dogs… We have a few chickens for our eggs. We have organic gardens where we raise all of our fruits and vegetables. My pastime is growing medicinal plants. We like to think that we're self-sufficient.

"We have three buildings on our property: a large house we live in, a small guesthouse that we started out in, and a farm building for our equipment. All these have electricity, but still, our electric bill is never more than $35 a month."

That's largely thanks to the perfect mountain climate, she says. "We don't need heat or air conditioning… just a couple of ceiling fans. Internet costs me $22 a month. Our biggest expense is putting fuel in our pick-up truck and the John Deere machines we use to mow."

Health insurance, too, is readily available and affordable in Panama, but health care costs are so low, Mitzi says, "we don't feel we need it."

For minor issues, there is a local clinic in Santa Fe staffed by a doctor that speaks a bit of English. "When we go to pay… guess what? We show our resident card and the charge is just $1… a buck!"

For anything of a more serious nature, Bill and Mitzi take the bus (it runs by their front gate every 15 minutes) to Santiago, Panama's fourth-largest city, just 45 minutes away.

There, a consultation—including some minor procedures—with a dermatologist costs just $30, says Mitzi. The dentist they see charges them just $20 for a teeth cleaning.

"We live very well here on just Social Security," she says, "and we even save enough that we go back to the States every year to visit family.

"If we were still living in the U.S. under our circumstances, we would not be as healthy, as happy, as content as we are here. This is our home now and we love the way things turned out for us. It's a very good life."

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.

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 ten 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:

  • It's close to the U.S. (just a 3 hour flight from Miami).
  • Besides being politically stable, Panama is safe and welcoming to expats.
  • The weather is excellent and 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:

  • 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 Being a Retiree in Panama…

As a qualified pensionado (retiree) 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, a tax exemption every two years 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 that are living comfortably on budgets as low as $2,000 a month. With just a little bit more…say $2,500 per month—you can live very comfortably, just as 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 how to get your hands on a special 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 best visa options available to you, including comprehensive details of Panama's famed Pensionado Program.

We'll give this report to you absolutely free when you agree to take a look at our best-selling manual 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 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 for it. 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!

Ronan McMahon, executive director of Pathfinder Real Estate has logged hundreds of thousands of travel miles in pursuit of the world's best real estate bargains. Here's what he says about today's Panama real estate market:

"The past nine years has seen an unprecedented boom in Panama as the skyline has been transformed with cranes and new construction. Back in 2006 you could have bought a prime condo preconstruction for $120 per square foot. Within three years preconstruction prices almost tripled. But we all know what happened. As the U.S real estate market stalled and credit tightened, the frenzy dulled. Americans stopped buying. Europeans, too. For a while Venezuelans and Colombians filled the void but there were just too many condos.

The result is that today there is too much supply. And prices are adjusting."

Today, Ronan says it's time, once again, to look at Panama. He's identified a buying opportunity on what he says "is the last undeveloped stretch of Pacific beach close to Panama City. It's the nicest stretch. This point of land with its white-sand beaches, stayed undeveloped as the city and other beach locales close by were transformed. Now this area is set to explode."

You'll pay $140 per square foot here, he says… a two-bedroom luxury condo can be had for $141,167. Best of all, the developer is offering a manageable payment plan.

Pathfinder's managing director, Margaret Summerfield, has this to say:

"Panama is one of the best locations in Latin America for re-location, retirement or a vacation home.

"Ignore sky-high price tags from wishful sellers. Do a bit of research, put in some legwork, and look for a fire sale. They're out there, even if they take a little work to find. But it's well worth the extra effort. You'll pay significantly less than official market rates for a property when the seller is motivated."

Point is: There are bargain opportunities out there if you know where to look.

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

Check out these bargains that I found just today in exciting, cosmopolitan Panama City:

  • In Panama City's central Parque Lefevre neighborhood, where many middle-class Panamanian professionals make their homes, a three-bedroom/two-bath condo—with both city and ocean views—just sold. The asking price: just $113,000.

· In the popular San Francisco neighborhood—with an expansive jaw-dropping view of the waterfront, ocean and skyline and near some of Panama's best restaurants, you'll find a large, luxurious and very modern condo with two bedrooms and two bathrooms. The building also houses a lounge, gym, pool, BBQ area, and more. Price: just $240,000.

Also in the bustling San Francisco neighborhood (very popular with expats) and close to cafés, shops, restaurants and more—you can pick up a chicly modern, fully furnished apartment with a huge balcony for just $165,000. This is city living at its best.

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 three-bedroom, two-bathroom home of nearly 1,500 square feet on a lot of 13,000 square feet in the cool mountain town of Cerro Azul, just 30 minutes from Panama City. Price? An unbelievably low $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 new 1000-square foot house with three bedrooms and two bathrooms for just $150,000. The home is in the popular Alto Boquete area popular with well-heeled expats and locals.

How much does it cost
to rent in Panama?

Average rental prices in Panama City's nicer areas tend to range from $800 to $1,800, but a little legwork can yield some bargain results. And outside the city… in popular Boquete or up-and-coming Pedasí, you can find rentals for half as much. As Mitzi Martain says, "In Santa Fe you can rent a house with a garden for $300 a month."

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:

  • At the upscale beach community of Coronado, a beautiful 2,790-square-foot four-bedroom three-bath house comes completely furnished, including major appliances and air conditioning, for just $195,000.
  • Get even better value in Gorgona, where a two-bedroom oceanfront condo is selling for an unbeatably low price of just $155,000 each. And there's even a swimming pool and social area.
  • And in popular 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 spacious two-story three-bedroom two-bath home just a few minutes from the center of town—with a covered terrace and a pretty garden from which to enjoy the sunshine and stunning mountain views, and all for just $165,000! (And that's negotiable, of course.)

Reclaim Your Retirement Dreams
Like Clyde and Terry Coles Did

Just a few short years ago, Clyde and Terry Coles were living in Corpus Christi, Texas. She was working for a medical equipment company and he was a firefighter. He loved his job, but he had always wanted to retire at age 57.

As Terry tells it, Clyde was eligible for a good pension, but his ex-wife is entitled to a third of that. The remaining amount wouldn't go far, especially since Clyde would lose his health insurance benefit when he retired.

Even worse, since they would not yet be eligible for Medicare, Clyde and Terry would need to fork over $1,250 every month for an adequate health insurance policy.

Panama is the
"Land of the Free"

According to the New York Times, Panama's "laissez-faire stance on private property rights and entrepreneurship" makes it an easy place to invest and to start a business.

Foreigners can legally buy property in Panama and generally enjoy the same rights as Panamanian citizens.

In Panama, you're guaranteed social freedom, individual freedom, freedom of religion… in fact, Freedom House, an independent organization that issues an annual "Freedom in the World" report, gives Panama high marks for civil rights, rating it one of the freest nations in Latin America.

So Clyde started doing some research. He asked Terry what she thought about the idea of retiring overseas.

"Did I want to work another 15 years or did I want to retire now and enjoy life?" she asked herself.

It didn't take long to make a decision. "Where are we going and when?" she asked Clyde.

After much research, the couple chose Panama.

"It had everything we were looking for," Terry says. "A great pensionado (retirement) program, excellent healthcare at a fraction of the cost back home, and a warm tropical climate. It's close to the U.S., uses the U.S. dollar, and so much more."

On a visit to Panama, the hook was set. Fast forward to today. Clyde and Terry live in the town of Chame, not far from the popular, upscale beach community of Coronado.

They spend their time doing "whatever we want to do," Terry says.

"We work around the house… we exercise, take walks with the dogs, and spend a lot of time socializing with friends. It's easy to make friends here."

Best of all, their fabulous new retirement lifestyle comes with a low price tag.

Pamper YourselfYou Deserve It

In Panama, a manicure and pedicure at any number of salons is just $15, and a relaxing hour-long massage is just $30. You can hire a maid to clean your house for $20 a day. A hearty, three-course executive lunch can be had just about anywhere for under $7.

Terry and Clyde's total monthly living expenses amount to no more than $2,000. That includes utilities, food, prescriptions, property taxes, internet, gas and maintenance for the car, and more….

And by moving from the States to Panama, Terry and Clyde were able to vastly reduce their health insurance costs—from $1,250 a month to just $270 a month. And that's for a comprehensive policy with a low deductible of just $250.

"We haven't had to use the insurance yet," Terry laughs. "It's hard to do that when a doctor's office visit is just $15… and that's to see an English-speaking doctor at a very modern clinic."

Evenings out are spent socializing, maybe listening to some live music… Clyde plays the guitar and sings. "We like to go out dancing, and we're only 60 minutes from the nightlife of Panama City," Terry says.

"We really feel like we have it all. We're very happy with our new lives and our new friends and experiences in Panama, and we've never looked back."

Panama Is on the Upswing… and
You Can Ride the Wave of Prosperity

Yes, Panama is thriving. It boasts the most vibrant economy in Latin America… #22 in the world, in fact, and well ahead of the U.S. which ranks #121 according to recent data released by the CIA World Factbook.

For you it means that Panama is a land of opportunity. Lots of folks who have settled in Panama as retirees have been enticed by it—and they've started B&Bs, opened restaurants or bars, run import-export businesses, and more…

I'm sure you've heard of Panama's biggest "stimulus" project: a massive expansion of that Modern Wonder of the World called the Panama Canal. It's just one of several mega-projects expected to fuel Panama's economy in the years to come.

Not bad for a "Third World" country, huh? Well, believe me, Panama is hardly Third World these days. For instance:

  • Panama is more modern than any other Central American country. 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.
  • From the expanding international airport at Tocumen, also known as the Hub of the Americas, you can travel anywhere in the world, and often on a direct flight.
  • New cars of every make and model safely travel modern 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 historically low inflation, one of the world's biggest banking sectors, and the government's business-friendly "go get 'em" attitude, Panama offers a combination of benefits that no other Central American country can match.

So let's talk affordability…

I've already touched on the low costs of buying real estate in Panama. But what about the low cost of living overall? Many expats report they're living well on budgets of less than $2,000 per month. That doesn't include rent, but even if it did, you can see that in Panama, you can live very comfortably.

Here, in fact, is Terry and Clyde's average monthly budget, for their comfortable lifestyle in the beach community of Chame—not far from Panama City:

Electricity: $35
Propane (cooking and hot water): $5
Water and trash collection: $5
Maintenance/ insurance/ fuel for one car: $200
Internet: $50
Cellphone (prepaid cards): $10
DirecTV (US channels): $20
Groceries/ prescriptions/ dining out: $900
Health insurance: $270
Home maintenance, etc. $200
Spanish classes $25
Clothing/misc. $50
TOTAL: $1,770

As Terry says, their food budget is high because "we're spoiled Americans and we buy chips, cookies, alcohol, soda and all the U.S. imports that we like. If we ate a typical Panamanian diet, our food expenses would be far, far less."

A good rule of thumb for your grocery bill in Panama is to budget about 40 percent less than what you spend at home. All of your expenses, of course, will depend on your habits and consumption.

In any case, you can easily see how affordable it is to live in Panama. While city living may cost a bit more, thanks to all those entertainment and shopping temptations, when you choose to live outside the city… in a pretty little beach town or even in a mountain town like Boquete and your monthly expenses may be considerably less.

Terry and Clyde are doing just that… on

the coast near what is arguably Panama's most popular and most upscale beach community, where they own their own home and are living comfortably on less than $2,000 a month.

That allows them to save money each month for one of their favorite activities. As Terry says, that's "exploring the beautiful country we now call home."

Yes, in Panama even the lowest budget affords a very good lifestyle. You'll enjoy guilt-free conspicuous consumption at laughably low prices. For instance, splurge on a day of beauty at any number of salons ($20 for a blow-out and mani-pedi), pay a maid to clean your house (just $20 a day).

A complete blood workup at that gleaming new Hospital Punta Pacifica I mentioned earlier (the most technologically advanced hospital in Latin America) is $36. A consult with a physician at this state-of-the-art hospital is $50.

At smaller-but-modern clinics, like Hospital America or Clinica Omega, you'll pay 50-75% less, and in rural areas a doctor's visit can be far less. As Mitzi Martain says, she spends just $1 for her doctors' visits in little Santa Fe.

Remember, retirees on the Pensionado Program are entitled to sizeable discounts !

What about health insurance? Retirees like Terry and Clyde who would be paying $1,250 a month or more—$15,000 a year—in the U.S. for health insurance with a high deductible say that in Panama, they're paying, on average, $3,240 a year for coverage—and that's with a deductible of just $250 a year. That's a substantial savings of nearly $12,000!

It's easy to see how living in Panama can contribute to your quality of life. You'll save, too, on the little things that matter the most, but can add up.

Imagine… sitting at a sidewalk café and enjoying a cup of premium Panamanian coffee, aromatic and hot, for just $1. (True, at $3 per pound, you can make delicious coffee at home for just pennies. But this way, you can enjoy the beautiful scenery as you soak up the sunshine and enjoy the tropical breeze.)

A taxi anywhere in town is only a few dollars. In any of Panama's cities or towns you can buy juicy tropical fruits and fresh vegetables for "locally grown" prices…a few bucks a bag. At any of the many ocean-side restaurants, you can enjoy a cold beer for $2. A satisfying executive lunch can be had just about anywhere for under $7.

More time and more money to spend as you like… no taxes on your foreign income, no inflated health care costs, no more worries about outliving your retirement nest egg.

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

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 two hours 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, and spring-like weather year-round. 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. 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 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.

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 that 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. Find out exactly how to qualify and learn all the juicy details about the tremendously lucrative benefits this program offers.

Discover Panama Risk-Free

I'm so confident that the Escape to Panama Manual will help you realize your dream life in Panama that I'll offer you this guarantee: If, for any reason, you're not completely happy with this manual, just let us know. You have our 30-day no-hassle money back guarantee…

We'll refund your $99, no questions asked… and you can keep your copy of The World's Best Retirement Program: Your 3-Step Guide to a Pampered Life.

Think about it. Escape to Panama: Everything You Need to Know to Retire Better, Invest Well, and Enjoy the Good Life For Less and your free Special Report. All for just $99

And a no-question money-back guarantee if you're not 100% satisfied.

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

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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