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Dear Live and Invest Overseas Reader,

No one place could possibly offer all that opportunity... could it?

If I weren't here, seeing it, watching it, living it for myself, I'd be skeptical, too.

But Panama really is the best place in the world right now to retire, to start a business, to live tax-free, and to invest for long-term upside. This is a remarkable little powerhouse of a country with an ambitious agenda. It has rolled out the red carpet-for foreign retirees, for foreign investors, for global entrepreneurs-making it easier and more attractive than ever before in this country's history... and easier and more attractive than anywhere else on earth today... to think about spending your time and your money.

In its continued and expanding efforts to welcome the world's retirees, investors, and business folks, Panama is remaking herself. She is building new roads and paving old ones... building new hospitals, more schools, additional airports... creating tax-free and investor-incentive zones... investing in a metro system for Panama City... as well as new parks and recreation areas...

Again, if I weren't here, on the ground, watching the infrastructure and other improvements myself day-to-day, I wouldn't believe the reports. It's like watching time-lapse photography. When these Panamanians set their minds to something, they do it. A new highway? New bridge? Other countries in this part of the world promise those things for years before following through. In Panama, you blink and the promised road is a reality... the new airport open for business.

Now, no place is perfect, and I'm not suggesting Panama is any exception. There are downsides, struggles, and challenges associated with living, investing, and doing business in this little country so committed to improving itself. But those things can be addressed... overcome... if you're prepared and if you have the right guidance and support.

And the payoff can be enormous. Here in Panama today, you really can realize the retirement you've long dreamed of even if your retirement nest egg is far smaller than you expected it to be. You really can generate the income you need to live the life you want... and keep every dollar you earn. You really can invest for both immediate cash flow and long-term upside, positioning yourself in an economy that has managed to thrive in the face of the global downturns and disasters of the past several years...

In Panama today, you really can live better, retire well, start over, reinvent yourself, and take control of your financial future.

But I wouldn't suggest trying to accomplish those things all on your own. Speaking from nearly three decades of living and investing overseas experience, I can tell you that this is all far, far easier and your chances of success much, much greater if you have a little help along the way.

Panama Inside-Out-Warts And All

Panama presents extraordinary opportunity right now, but, when you begin to try to make your plan for how to take advantage of it, you realize something.

You realize that there isn't just one Panama.

There's the Panama of the marketing hype...

There's the Panama of the Internet...

There's the theory of Panama... the idea of Panama...

Then there's the real Panama.

Beyond the much-touted advantages of this country's pensionado program... beyond the excellent infrastructure... the high standard of health care... the affordable cost of living... the enviable geographic position...

Beyond the banking advantages... the doing-business incentives... the tax breaks... the sustained economic prosperity...

Lies a squiggle of a country with two long coastlines.

All the benefits I've been suggesting exist, and there are many, many others...

But with so much on the table, the idea of Panama can become overwhelming... and, at times, misleading.

For, just as there is a wealth of information out there on Panama today... so, too, are there lots of mistruths and inaccuracies, misrepresentations and misunderstandings.

Some of this is a result of sugar-coating, misinformation intended to make a buck from the unsuspecting, inexperienced gringo.

More is a function of how quickly this market has been moving in recent years. Once information is published on the Internet, it becomes immortal, knocking around in cyberspace for all eternity. Even if it were true when first published, it can be misleading at best by the time you stumble upon it with the help of Google.

Then there are the travel tales of visitors who haven't spent more than a week in the country... or who've never ventured beyond Panama City. And there's so much more to the "Hub of the Americas" than its capital city. Panama, as a whole, offers every lifestyle option you could possibly wish for... from vibrant cities to sleepy fishing villages... from cozy mountain retreats to white-sand beaches (take your pick along either the Caribbean or the Pacific coast)... And, like anywhere else in the world, each of these enclaves has its pluses and its minuses.

You need to see Panama for what she really is. You need to open your eyes to the good, the bad, and the ugly of living, investing, banking, and doing business here. Only then can you set yourself up for success.

To get the best out of Panama-to determine which opportunities might be right for you-you need to know the full story... you need to understand all the facts, straight and complete and current...

You need to see Panama for what she really is. You need to open your eyes to the good, the bad, and the ugly of living, investing, banking, and doing business here.

Only then can you set yourself up for success.

You Need Help!

As a publisher of information on living and investing overseas for over three decades, I've been traveling to Panama for a long time now. And, today, I feel lucky to call this country home.

In the past dozen years, I've opened offices here (twice). I've purchased, rented, and renovated property... apartments and a whole building... riverfront and beachfront... in Panama City and beyond.

Nearly ten years ago, Panama City Panama City became my family's primary residence. My husband and I conduct our businesses here, and my son attends one of the city's international schools.

And, again, the most important thing I've learned, in all my experiences travelling, living, and doing business all over the world as well as here in Panama, is that you can't do it alone. At least, not if you want to avoid making costly mistakes.

I know people who've turned their backs on Panama thanks to misinformation (which usually originated on the web) or because they put their faith in the wrong people. A real estate deal that went awry... living costs that worked out to be more expensive than advertised... a bad experience with a so-called "professional" financial advisor or business consultant...

This is such a shame. I appreciate how much Panama has to offer right now... and I believe in the potential of this country at such an important turning point in its history. But that doesn't mean you're guaranteed a good experience here.

Quite the contrary, to take advantage of what's on offer in Panama today, you need reliable help that you can trust. You need not information... at least not only information. More than information, you need judgment.

Here's Our Promise:
No Rose-Tinted Glasses

For sure, I couldn't have gotten to where I am today all alone. Over the years, I've made lots of contacts in Panama. Some have turned out to be no use at all (these I politely discontinued doing business with)... while others proved to be goldmines of information. I continue to work with and to count on these resources today. Some have become good personal friends.

Now, to help you pursue your own dreams in this country, I'd like to share my experience-and that of my most trusted friends and advisors-with you...

With the help of the network of resources I've developed over more than a decade of living and doing business in this country, I'd like to tell you the truth about Panama... without any sugar-coating.

My Panama Letter, a monthly e-zine from the Panama-based staff of Live and Invest Overseas, will make it possible for you to get up to speed and to stay current, in real time, with current opportunities in the real Panama... opportunities that would be impossible to uncover, to vet, or to act on your own.

My Panama Letter doesn't deal in theory or rhetoric. It isn't produced by researchers or editors sitting in some far-off office who may have visited Panama once or twice. My Panama Letter is packed with information from expats living in this country and from my personal team of in-country advisors and professionals, including the attorneys, real estate agents, offshore experts, and tax consultants I trust personally. You can be assured that everything you read in Panama Letter is current, accurate, and real.

More important, it's delivered by people with real judgment... judgment born of real-world experience.

My team behind Panama Letter includes expats who love their adopted homeland, but who aren't afraid to admit its pitfalls, downsides, and really, really frustrating, ridiculous, enigmatic, even maddening quirks...

Experts whose mission it is to give the full story...

Get Up Close With The Real Panama

You probably know at least a little of Panama City. It's a vibrant, electric place of business, banking, and entertainment. A wonderful hub from which you can easily reach most major cities in Latin America. I like Panama City for its First-World infrastructure and amenities for doing business. That's why we've chosen to make it our home, right now.

But, as I've said, there's so much more to Panama beyond its capital. We'd like to introduce you to these other sides of Panama (beyond the expat hot-spots of David and Boquete, too). Every month in Panama Letter, our editorial team will show you a new area within this beautiful country. They'll tell you about a particular neighborhood, a certain beach, a little-known town-what it has going for it... how much living here would cost... who this region will suit... who wouldn't be happy here... and who-on the ground-can help you settle in... It's their mission to introduce you to less known places. Places like the little beach town of Las Tablas on Panama's Azuero Peninsula... a town of 10,000 people without a single traffic light...

Panama Letter isn't a dreamy travelogue or glossy lifestyle magazine. It doesn't paint a rosy picture of life in Panama. It gives you a real feel for what it's really like to live, retire, invest, and do business in the world's top overseas haven.

Up-To-Date Information From
The Front Line

Little Las Tablas is one of our favorite budget choices in this country. When we report on the cost of living in Las Tablas, we always get the same reaction: "You've got to be kidding me!"

We admit it. On the surface, it can be difficult to believe the cost of monthly rent in this ocean-side town. But it's true. It's possible to rent a two- or three-bedroom, two-bath home a few kilometers from the beach and within five minutes' walk of the center of town for as little as US$300 per month. Your rent can be less than your monthly food bills!

Yes, a little place like Las Tablas can be affordable, but it's made even more so when you know where to go to get the best deals. For instance, you could never find the US$300-a-month rental by searching on the Internet. Such deals are circulated purely by word-of-mouth among the locals. If these kinds of super-deals make their way to agents, the prices are inflated for the gringo market.

To penetrate the gringo pricing level in a place like Las Tablas and get the real deals, you've got to become part of the local community. You've got to be connected on the ground. That's where we come in.

Our editorial team are expats themselves. Panama Letter’s Managing Editor Kat, expat since age 8, moved to Panama in 2011 to take advantage of all the opportunity she perceived on offer in this country right now. They're doing what you're contemplating doing-rebuilding their lives in one of the most exciting countries on earth right now.

There's no two ways about it. To take advantage of the best opportunities on offer in Panama you've got to be in Panama. Kat and her team are.

In every issue of Panama Letter, for every region, city, beach town, and community they feature for you, therefore, they are able to provide you with local contacts who will make it possible for you to access the most interesting opportunities and to operate beyond the gringo world (where the costs can be much greater!).

Our team can tell you...

• Where to go to enjoy breakfast for as little as US$1.75...


• Or a full Panamanian dinner of meat and fish with a couple of sides for US$6...


• How to shop for jumbo shrimp, fresher than you'll find in the supermarket, for US$2.50 a pound...


• How to snack on the go for pocket change...

And it's not just food that's cheap in Las Tablas and elsewhere in Panama...

• A taxi across town some places is no more than US$1.50...


• The four-hour bus journey from the interior to Panama City can be as little as US$8 each way...


• Things like getting your car serviced can be a super bargain, too, if you know where to go... the mechanic we recommend charges as little as US$5 an hour...

The cost of living and of real estate, too, can be bargain-basement in Panama. Not in Panama City, but beyond, yes. A friend on the Azuero coast bought a two-bedroom house on a double lot for just US$45,000...

Cities, Beaches, Islands, And Hills:
Find The Piece Of Panama To Suit You...

Of course, any place featured in Panama Letter will have more going for it than affordability. Our entire Panama Letter team understands what it takes to build a rich and rewarding life in this country, and they're every one committed to vetting every destination they consider for coverage accordingly. In addition to details to do with cost of living and cost of real estate, you also need to know all about things like good medical facilities, leisure and entertainment opportunities, safety issues, who your neighbors would be...

The Panama Letter team will cover all these lifestyle concerns in every issue, introducing you to the best of Panama from end to end and from coast to coast. Over the coming months, Panama Letter will introduce you to:

• Top choices in the mountains and the beaches (still within easy reach of Panama City)...


• Alternative cities to the capital where you'll find good amenities and the services and infrastructure you'd need to make a comfortable life for yourself...


• Within Panama City itself, which offers a diversity of neighborhoods-each with its distinct feel and lifestyle...

Many of these places you likely never would have heard of before. They're not on the radar of most visitors to this country or glorified in the magazine press.

That's part of what makes these places so special and an important part of the reason you should know about them. They remain blissfully undiscovered and therefore temptingly cheap. For such a small country, Panama offers an enormous range of diversity. You couldn't possibly discover it all on one whirlwind trip... or even several. It could take you years of travel on your own to get to know all the faces of all Panama. We understand that you likely don't have years to invest in that kind of research. So our mission with Panama Letter is to help you to narrow your search... to target the locales that make the most sense for you.

Go In With Your Eyes Wide Open

Like anywhere in the world, Panama has its pitfalls. With its high standard of infrastructure and capital city that feels like a U.S. city, you can easily forget that you're in Central America... at first. But spend a little time here, and you'll remember! For all its advantages and benefits, Panama remains part of the developing world.

This is the Land of Fiestas and Mañanas. As I write, we're all sitting, smoldering, in our downtown Panama City office. The air conditioning system went on the fritz last week. The air conditioner repair guy was due two days ago. No sign of him yet...

Generally speaking, people in this part of the world show up late for appointments, meetings, even dinner parties. And good luck getting anything done in the months of November (Patriot's Month, when the country remembers-and takes off for-three separate days of independence) and February (when Carnaval celebrations can seem to extend for weeks)...

Things don't work here in Panama as you might think they should... sometimes it'll seem that they don't work at all.

I couldn't be more committed to this country or more impressed by what she has to offer. But I'm no fool either. I see Panama's downsides as well as her advantages. I know about the frustrations and the limitations of living and doing business here. I face them every day.

I've got my eyes wide open. And still I choose to be in Panama. And I speak for my entire Panama Letter team. We're not dummies. We know the real Panama. And we're here to stay.

In the virtual pages of Panama Letter each month, we'll help prepare you for the downsides and the hassles of life here. Forewarned is forearmed. It's easier to let the frustrations roll off your back if you know to expect them. In fact, once you're prepared for them, the cultural differences are easier to accept. After a while, you may stop noticing (even start embracing) these little quirks.

Smartest Real Estate Buys On The Planet

I'm sure this doesn't come as news to you: Panama City is no longer the super-cheap destination she was 10 years ago. It didn't take long for foreign investors and retirees to catch on to her charms... and for city real estate prices to rise accordingly. Rise they did... up, up, up, up... until a few years ago. Then world markets in general began to tumble and crumble, and the Panama City market evened out. In the time since, this market has fallen, but I wouldn't say it's crumbled. Prices in general are more negotiable than they've been in a decade, but some sellers are in denial. They continue to ask pre-fall prices. Which means you've got to keep your wits about you. How much should you pay for an apartment in the banking district... in Paitilla... in San Francisco... in El Cangrejo? Pricing in this town today is a very moving target. We'll help you follow the bouncing ball, neighborhood by neighborhood.

We'll be in touch whenever there's opportunity to be shared or recommendations to be made. From new property developments to legislative changes affecting foreign residency or visa options... from updates on tax law to restaurant openings or further surprises from the government, our Panama Letter team will make sure you're in touch with Panama in real time.

The country beyond the capital is a different market altogether. In fact, it's many different markets, some of which make solid sense right now for the would-be investor. Which ones? Why? How much should you pay for beachfront, ocean-view, riverfront, farmland... raw land for development... a lot in a private community? We'll tell you, local market by local market.

Panama beyond Panama City hides some of the smartest real estate investment opportunities on the planet today.

Stay On Top Of All Things Panama

I say again: Panama is one of the fastest-moving markets on the planet today. While much of the world is mired in recession and worse, Panama is pushing ahead... pushing, expanding, growing... Opportunity abounds.

You'll receive our full reports on the top options for living, retiring, investing, and doing business in Panama in each monthly Panama Letter issue. From new property developments to legislative changes affecting foreign residency or visa options... from updates on tax law to restaurant openings or further surprises from the government, our Panama Letter team will make sure you're in touch with Panama in real time.

Why You Don't Want To Miss A Single Issue Of Panama Letter

Every month, in the virtual pages of Panama Letter, you'll read...

• In-depth, insider coverage of top expat living options... detailing the pluses and the minuses of each destination featured...


• Full cost-of-living analysis for each featured destination, including detailed budgets...


• Interviews with expats already living and doing business in the featured destinations...


• Current top recommended real estate options, for both purchase and rental...


• Business opportunities...


• Top banking options...


• Updates on Panama's status as an offshore haven...


• Up-to-date information on issues affecting expats (from residency requirements and health care to investment laws and travel)...


• Details of upcoming events of interest to expats, hotel and restaurant reviews, a traditional Panamanian dish, and more...

Practical And Actionable Information Every Month To Your Email Inbox

Panama Letter isn't a dreamy travelogue or glossy lifestyle magazine. It doesn't paint a rosy picture of life in Panama. It gives you a real feel for what it's really like to live, retire, invest, and do business in the world's top overseas haven.

The pages of Panama Letter are packed with practical information, everything you'd need to launch your new life or your new business... all the know-how, experience, and judgment you could possibly require to realize whatever Panama dreams and objectives you may have.

Every feature destination report in Panama Letter includes:

• Complete details of the cost of living (including tips of where to shop for the most affordable items)...


• A sample monthly budget for living in a particular locale (including the cost of gas, electricity, high-speed Internet, having part-time household help, owning and maintaining a car... )


• Coverage of the neighborhoods and best places to live (and where to avoid)...


• Your best medical care options...


• An overview of the current real estate market, both for sales and rentals, including current listings (and how much you should really expect to spend in each case)...


• The best places to eat, drink, and be entertained...


• Opportunities for settling in, making friends, and becoming part of the community...


• What you need to know if you want to relocate to Panama with children... or pets...


• Full contact details for everyone you should know in every location featured, from architects and attorneys to bankers and dry cleaners... from shippers and painters to handymen and auto mechanics...

Plus, you'll get all the need-to-know information that's relevant no matter where in the country you choose to settle. Things like...

• The property purchase process in this country...


• Your best options for local and international health insurance...


• How to bring your dog (or cat)...


• What you'll need to open a bank account...


• How to get the best deal on the rental that's right for you...


• Top international schooling options...


• An insider's guide to local customs and etiquette (to help prevent you from making social blunders)...


• Your options for staying in the country, so you can figure what visa is right for you...


• New business opportunities in real time...


• How to buy a car (and when not to)...

Try My Panama Letter Today... And Receive New Subscriber Bonuses Worth US$129.93!

Get Started Today For Only 99¢!

To get you up-to-speed with Panama as quickly as possible, I'd like to offer you a number of special bonus reports, simply for giving my Panama Letter a try.

In fact, I'd like to send you 7 important Panama resources... and they're all yours with our compliments as part of this special invitation.

Yours free when you try my Panama Letter, your package of free gifts include:

• "Panama 101: 101 Things You'll Wish Someone Had Told You About Panama" (a US$9.99 value)-This is the guide I'd love to have had when I first came to Panama some 20 years ago. It would certainly have saved me embarrassment, hassle, delay, and headaches... not to mention a whole lot of cash. 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 US$25 value) our private Rolodex, not available for sale anywhere-This is a guide to our best in-country contacts, which is supplemented every month with the new contacts we'll introduce you to in your issues of Panama Letter...


• 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)...


• "Top 5 Medical Insurance Options for the Expat in Panama" (a US$19.95 value) introduces you to Panama's health care systems, both public and private. This country boasts some of the best health care facilities in region. In fact, Panama is increasingly recognized as a leading medical tourism destination. And the top-notch medical facilities aren't limited to the capital city.

But wait, as they say, there's more.

For this special offer, we're bundling together every resource we can imagine you might need as you consider and prepare for a new life in this beautiful little country. In addition, therefore, to the complete set of reports above, when you take advantage of this limited-time invitation and subscribe to Panama Letter for only for two years, we'll also send you two presentations from the 2022 Live And Invest In Panama Hi-Def Video Conference Bundle:

Additional Two-Year Bonus #1: "Panama's Best Health Insurance Options" (a US$18 value) Our collected experts spoke this month on Panama’s insurance options—we got the discussion on video for you.

Additional Two-Year Bonus #2: "Panama’s Top Residency Options" (a US$18 value)Live and Invest Overseas’ trusted lawyer reveals insights on your top residency options in Panama, as well as recent changes and opportunities...

7 Special Panama Resources With A Total Value Of US$129.93-Yours Free!

To regroup, this limited-time invitation includes 8 special premium resources in all when you subscribe to my Panama Letter for two years:

1. "Panama 101: 101 Things You'll Wish Someone Had Told You About Panama" (a US$9.99 value)...


2. "Panama Residency Visas Supplement" (a US$9.99 value)...


3. "Little Black Book for Panama" (a US$25 value)...


4. "44 Things You Must Know Before You Relocate, Retire, or Invest Offshore" (a US$29 value)...


5. "Top 5 Medical Insurance Options for Expats in Panama" (a US$19.95 value)...


6. VIDEO: "Panama’s Top Residency Options" (a US$18 value)...


7. VIDEO: "Panama's Best Health Insurance Options"
   (a US$18 value)...

That's 7 special resources with a total value of US$129.93.

Now here's the crazy part. These 7 special Panama resources that we're standing by to send to you with our compliments together are worth more than the cost of one year of your Panama Letter subscription!

Panama Letter's retail price is US$120 for one year, US$239 for two years.

However, during this limited-time invitation, you can become a subscriber to my Panama Letter for one year for only US$69. That's far less than the cost of the special free reports if you were to purchase them on their own... and a discount of nearly 50% off the regular one-year subscription price!

What’s more, you can sign up for a 30-day trial subscription today for only 99¢.

But here's an even better deal...

Subscribe Today For Two Years—Get All 7 Bonuses (Worth US$129.93) And Save 55% Off The Subscription Cost!

Panama Letter normally sells for US$120 for one year, US$239 for two years.

Subscribe today for two years of the support, insider information, judgment, experience, and real-life know-how you'll gain with the help of Panama Letter, and you'll pay only US$109. That's less than the regular one-year subscription rate... a savings of nearly 55% off the regular two-year subscription rate... and almost US$60 less than the cost of the 9 special bonus resources if you were to purchase them on their own!

My Panama Letter is your real-life, real-time, real-deal guide to the real Panama. The subscription cost, considered within the context of the resources and the research that will be brought to bear to fulfill this service, is, I fear we will discover, not enough.

However, right now, for a limited time, it's the price on the table.

Remember, you also have the chance to sign up for a 30-day trial subscription today for only 99¢.

Try everything out, risk-free for a full 30 days.

Then, during the 30-day test-drive, if you are not happy with the service, simply let us know, and you will not be charged anything beyond your initial 99¢ investment.

The free resources are yours to keep.

And, if you love the service, as I know you will, simply do nothing. We'll continue your subscription, charging your credit card for the balance of your subscription price.

Go here now to take us up on it (before we change our minds).

Sincerely,

Kathleen Peddicord
Publisher, Panama Letter

Subscribe Now-100% Risk Free

Panama Letter is the most complete and current resource to living, investing, retiring, and doing business in Panama available anywhere. I guarantee it. If you are disappointed in any way with the information, insights, recommendations, and discoveries shared in your Panama Letter subscription, simply say so. If you do, we'll promptly reimburse you for any issues remaining in your subscription. No questions asked. The Special Reports and Videos are yours to keep, no matter what.