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Received — 6 September 2026 ⏭ Live And Invest Overseas
  • ✇Live And Invest Overseas
  • The #1 Thing I Refuse To Do In Panama City Kathleen Peddicord
    I once saw a woman drive into an open storm drain. Her left front tire got stuck entirely inside. It was downtown Panama City. Rush hour. Blinding rain. Storm drains in this city often don’t have covers. In driving rain, you can miss the holes. That woman’s car wasn’t going anywhere. Water levels in the street were rising, as they can do when it storms in Panama City because drainage systems are often clogged. Horns blasted. Drivers shouted out open windows. The woman got out of h
     

The #1 Thing I Refuse To Do In Panama City

10 September 2026 at 08:00

I once saw a woman drive into an open storm drain. Her left front tire got stuck entirely inside.

It was downtown Panama City. Rush hour. Blinding rain.

Storm drains in this city often don’t have covers. In driving rain, you can miss the holes.

That woman’s car wasn’t going anywhere. Water levels in the street were rising, as they can do when it storms in Panama City because drainage systems are often clogged.

Horns blasted. Drivers shouted out open windows.

The woman got out of her car, stood in water above her ankles, laid down her head, and pounded her fists on the hood of her vehicle. I couldn’t hear through the rain, but I figure she was crying.

Our evening commute was delayed two hours.

A couple of years later, on another stormy rush-hour afternoon, I drove beneath the overpass onto Avenida Balboa. Fourteen lanes of traffic converge here from six directions.

The Panamanian drivers around me did what Panamanian drivers do. They attempted to defy the laws of physics while ignoring the rules of any road and all common sense. I was squeezed from every side including by two Diablo Rojos.

Over the decades, 1970s U.S. school buses have made their way down to Panama. Each is privately owned. Each entrepreneur pimps out his ride…

Panama diablo rojo bus

Then makes a business of it. By day these are local buses. By night, mobile party venues. There aren’t many left on the road today, but when we were first living in Panama City, these Red Devils terrorized the streets.

When one of these drivers wants to occupy the space you happen to be occupying… well, there isn’t much for you to do but get out of his way.

As one Diablo Rojo bore down on me from the right and another from the left, my father’s refrain from when he taught me to drive cried out in my head.

“When in doubt,” he’d tell me, “stop!”

I was still. The chaos around me carried on. Somehow nobody ran into me.

I regained my composure, made my way home, and parked my car. I have not driven in Panama City since.

We hired a driver.

Guillermo schooled me on the ways of Panama City’s mean streets.

“You’ve got to drive like a cowboy, Señora Kathleen” he told me one morning after I’d told him he didn’t need to cut continuously back and forth from lane to lane. I wasn’t in that great a hurry I assured him.

“If I don’t drive like this,” Guillermo assured me, “everyone will take advantage of us.”

It was a lesson in Panamanian drivers but also my introduction to juega vivo. Guillermo quit two months later. He moved his young family to Aguadulce. He’d had enough of playing the game of life in Panama City. He wanted to raise his children in the country. I thought he was on to something.

We hired our second driver, Alberto, just before Carnival that year.

“Are you staying in the city next month?” Alberto asked driving me to work one morning.

It would be our first Carnival in Panama. Every previous year since we’d been calling Panama home, we’d taken advantage of the all-hell-breaks-lose-in-this-country holiday to schedule trips outside the country.

“We haven’t decided yet,” I told Alberto.

“If you’re going to travel to the interior,” Alberto advised, “go early. Don’t wait until the weekend before.”

“The traffic will be bad?” I asked.

“You’ve never seen anything like it,” Alberto said.

You mean it could get worse?

I’ve been living in Panama full- and part-time for 20 years.

I named its highlands town Boquete as the world’s best place to live or retire overseas in my 2026 Retire Overseas Index.

I’ve based my business here, and I have invested more in Panama than anywhere else in the world.

I recommend Panama more strongly right now than at any point over the 30 years since I recommended it for the first time.

But some things about Panama I really don’t like. Top of that list is the traffic in Panama City.

Same could be said about anywhere. No place in this big beautiful world of ours is perfect. The key is to find the place that checks your priority boxes.

What’s most important to you?

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Make a list. No kidding. Take out a piece of paper and a pencil and write down the three or four things your dream life features.

Then go in search of places that deliver on those scores.

Each one you identify will have downsides. The 80/20 rule comes into play.

The point is don’t compromise on what matters to you… but be flexible otherwise.

For this strategy to work, you need a full and honest assessment of every destination you consider.

Whatever your live-, retire-, invest-, go-overseas agenda, I believe Panama should be on it. For the reasons we discuss all the time.

Meaning you need an honest assessment of what it’s really like to spend time and money in this country.

That’s where my team and I come in.

Join us in Panama City Jan. 20-22 when we’ll be sharing the whole truth about living and investing in Panama based on decades of firsthand experience.

You won’t get this kind of insider honesty anywhere else.

And you need it.

Here are the details.

Until next time,

Kathleen Peddicord Signature

The post The #1 Thing I Refuse To Do In Panama City appeared first on Live and Invest Overseas.

  • ✇Live And Invest Overseas
  • A True Land Of Opportunity… Kathleen Peddicord
    In all my 40 years of experience covering the live and retire overseas beat, one country has stood out above all the others. I named this country the world’s #1 overseas retirement haven for the first time in 2001. It remains one of the best place in the world to reinvent your life overseas in retirement today… with some caveats. This country is also… • A tax haven. As a foreign resident, you can pay zero local tax… and you can operate your business here tax-free, too… • One of th
     

A True Land Of Opportunity…

4 September 2026 at 08:00

In all my 40 years of experience covering the live and retire overseas beat, one country has stood out above all the others.

I named this country the world’s #1 overseas retirement haven for the first time in 2001.

It remains one of the best place in the world to reinvent your life overseas in retirement today… with some caveats.

This country is also…

• A tax haven. As a foreign resident, you can pay zero local tax… and you can operate your business here tax-free, too…

• One of the easiest and most advantaged places in the world to establish residency, thanks to a suite of the world’s best residency options…

• Home to the smartest beach, river, and mountain property buys anywhere on the planet…

• The best place in the world to base your business. I speak from long experience when I tell you that this is an entrepreneur’s playground…

• One place in the world that’s enjoying continued growth and prosperity and that is positioned for a whole lot more of the same over the coming decade…

• A great place to call home… a beach-lover’s delight… and an eco-traveler’s paradise…

• The ultimate escape. Based here, you and your family no longer need to worry about what’s going on in the rest of the world.

Can you guess what country I’m talking about?

Panama!

I’ve been making the case for the Hub of the Americas for more than 20 years, and I’m writing today to tell you that I’m more bullish on the opportunities and upsides on offer in Panama than ever before.

Bottom line, if you are in the market for a place to live, retire, invest, or do business overseas, you’re doing yourself a big disservice if you aren’t looking closely at this little isthmus.

Too much of the world is struggling through troubled and uncertain times right now, but you’d never know it in Panama. This remains a fast-moving, ever-expanding market… a land of opportunity… and an ultimate safe haven.

How can a country so small bring so much to the table?

That’s what my team and I will be sharing at my 2027 Live And Invest In Panama Conference, taking place in Panama City, Jan. 20-22.

Over our decades in Panama, Lief and I have bought pre-construction for investment and centuries-old French-colonial for renovation…

We’ve managed rentals, both tourist and commercial…

We’ve bought land for banking and for development, including on this country’s Veraguas coast where we’re developing a luxury beachfront community at Los Islotes.

We’ve also started businesses, formed corporations, and opened bank accounts…

We’ve established permanent residency…

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We’ve hired staff, shipped household belongings, sourced architects and carpenters, paid local bills, researched health insurance options, bought cars (because we finally had enough of dealing with Panama City taxi drivers!), gotten local driver’s licenses, even started a local franchise…

And our experiences in this tropical haven are only the beginning.

We have enormous depth and breadth of experience in Panama… but our perspective is only that—our perspective.

To form a full picture of the opportunities on offer for living, retiring, investing, and doing business in Panama, you should access many perspectives.

Which is exactly why you should come and join us in Panama in January.

There, my top in-country experts, contacts, colleagues, and friends will be unveiling decades of boots-on-the-ground real-world experience as well as every exciting opportunity we’ve uncovered in this booming little isthmus.

These are my trusted personal advisors on every aspect of making a move or an investment in this country… from taxes, banking, trusts, and corporations to health care, residency requirements, investor incentives, business ideas, financing, and insurance. People you can count on to help you accomplish whatever you’re hoping to accomplish in this country safely and efficiently.

They’ll be fully at the disposal of those who join us for this very special event.

And there’s more good news…

To make our 2027 event the biggest and best yet, I’ve asked my team to help me create opportunities for you to discover Panama firsthand.

Specifically, we’ve conceived five fun ways for you to get to know Panama including an invitation to come and explore my personal Panama paradise, Los Islotes (more on that, here) and a five-day, four-night Relocation Discovery Tour of Panama’s top coastal lifestyle options (get the full program here). Plus, property tours, VIP excursions, and of course, the main event: my Live And Invest In Panama Conference.

I can’t wait to welcome you to Panama.

Until next time,

Kathleen Peddicord Signature

The post A True Land Of Opportunity… appeared first on Live and Invest Overseas.

  • ✇Live And Invest Overseas
  • The Best Introduction To The World’s Best Place To Live Overseas Kathleen Peddicord
    I hosted my first Panama conference in 2001. I’ve hosted events in this country every year since. After two-and-a-half decades of introducing folks to Panama in person, I think it’s time to take things to the next level. My network in this country is unparalleled. From Panama City to the City Beaches… from Boquete to Bocas… from Las Tablas to Venao… from Santiago to Santa Fe… from Mariato to Quebro… and everywhere in between… nobody is more connected on the ground. As always,
     

The Best Introduction To The World’s Best Place To Live Overseas

2 September 2026 at 08:00

I hosted my first Panama conference in 2001.

I’ve hosted events in this country every year since.

After two-and-a-half decades of introducing folks to Panama in person, I think it’s time to take things to the next level.

My network in this country is unparalleled.

From Panama City to the City Beaches… from Boquete to Bocas… from Las Tablas to Venao… from Santiago to Santa Fe… from Mariato to Quebro… and everywhere in between… nobody is more connected on the ground.

	Map of Panama showing its provinces, major cities, and surrounding seas.

As always, all those folks who’ve become trusted colleagues and good friends all across this country—I’m speaking of attorneys, bankers, tax pros, business builders, property agents, insurance agents, property managers, doctors, shippers, developers, Spanish-language teachers, representatives from the Rotary, representatives from the Lions Club, representatives from the Johns Hopkins-affiliated Punta Paitilla Hospital… plus more than one-dozen expats currently living and retired in key locations across this beautiful country…

They will all convene altogether under one roof for all three days of my 2027 Live And Invest In Panama Conference.

All throughout those three days, my team will be at the service of every attendee in the room for this signature event.

The experts and expats in residence will share their expertise, their experience, their wisdom, their recommendations, and, most important, their cautions and caveats…

They’ll tell their tales. The unvarnished truth. That’s what you get at any event I host—the good, the bad, and the what did you just say… that can’t really be the way things are done here, can it?!

If you’re looking at living, retiring, or investing in Panama (as I strongly believe anyone who’d like to live better while also increasing their personal bottom line should be), you want to be in the room with us for these three days…

Because these three days of panel discussions, interactive conversation, and human-to-human Q&A will save you time, money, and missteps.

If you have any Panama-related agenda, these could be three of the best-spent days of your life.

But how much fun is it, let’s be honest, to sit in a conference room learning about Panama… when you could be out and about seeing Panama?

We do everything we can to keep things interesting. Open bar cocktail receptions, traditional Panamanian entertainers, prize drawings… having a good time is definitely part of our objective.

Still, every time you look out the conference hotel window, you’ll be reminded that… well… you’re in a conference hotel…

And just outside that window is… Panama!

So for my 2027 Live And Invest In Panama Conference, taking place Jan. 20-22, I’ve asked my team to help me create opportunities for you to discover Panama firsthand.

The invitation on offer is no longer come on down and find out why you should be spending time and money in Panama.

I’ve extended that invitation for a good long while now… and it was great. But not enough.

Now we’re inviting you to come on down and experience Panama.

This next-level invitation comes in several parts.

Specifically, we’ve conceived five opportunities for you to get to know Panama up close and personal.

Join us for one or two or three pieces of the program… or, better, sign on for the full Monty!

Specifically, here’s what I propose:

Jan. 16 to 18: Discover Panama’s Secret Veraguas Sunset Coast

	Tropical beach at sunset with ocean waves, silhouetted trees, and dramatic clouds.

For this pre-conference tour you’ll travel down the western coast of Panama’s Azuero Peninsula to discover one of this country’s least-known and least-developed regions. The Veraguas Pacific coast is a virgin land where Mother Nature shows off.

Specifically, you’ll explore Los Islotes and its two private beaches. This tour is for anyone who prizes wide-open spaces, privacy, and a chance to create your own reality in the most beautiful natural setting imaginable. Details here.

Jan. 19: Panama City Property Tour—Free For Conference Attendees

	Modern Panama City skyline featuring tall residential and commercial towers beneath a blue sky.

Arrive a day early and give yourself a chance to begin exploring Panama before the conference begins.

This private guided tour will introduce you to Panama City’s best beach as well as the current best city and beach property buys in one fun-filled day.

Every Live And Invest In Panama Conference attendee is invited to participate in this program at no additional cost. Please, come, join us as our guest.

Jan. 20 to 22: The Main Event—My 2027 Live and Invest In Panama Conference!

Scenic waterfront promenade lined with palm trees, overlooking Panama City’s dense skyline.

The main event, of course, is the biggest and most important Panama conference available anywhere and two-and-a-half decades in the making. Join me and my entire Panama team in person for three action-packed days. This everything-you-need-to-know-about-Panama event sells out so reserve your place now while the Early Bird Discount is in effect.

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Jan. 22 and 23: Elite Attendee Access—Tour Of The Panama Canal, Casco Viejo, And Our Favorite Panama City Neighborhoods

Elegant colonial architecture in Panama, showcasing a beautifully preserved white building, ornate balconies, tropical greenery, and a bright Caribbean sky.

After the final day of the three-day conference concludes, our Elite Attendees will meet in the lobby of the Sortis Hotel before setting off on a guided tour of the Panama Canal (because, well, you’re in Panama… you’ve got to go to see the Canal, right?)…

From there, we’ll move to Panama’s old town, the most romantic spot in Panama’s capital city.

The historic Spanish-, French-, and American-colonial enclave known as Casco Viejo is my favorite part of Panama City.

Let us show it to you as it’s meant to be seen… on foot, with a guide, at sunset.

Casco Viejo is enjoying a renaissance. Many of the centuries-old structures have been lovingly restored and converted to restaurants, bars, art galleries, and shops.

A vibrant colonial street in Panama featuring blue-and-white architecture, ornate ironwork, colorful decorations, and charming local storefronts.

Our group will wander neighborhood to neighborhood, to and through the 17th- and 18th-century squares and the historic churches of this UNESCO-protected site. We’ll finish our private walking tour with a drink and a snack at one of our favorite Casco night spots.

Then, the next morning, our Elite Attendees will gather once more for a full day out and about across Panama City on a private tour of our favorite Panama City neighborhoods to help you decide where in this city might be the best fit for you.

Details on how to join us as an Elite Attendee are here.

Jan. 24 to 28: Five-Day, Four-Night Relocation Discovery Tour Of Panama’s Pacific Riviera

Breathtaking panoramic view of Panama’s tropical coastline, with turquoise Caribbean waters, lush greenery, sandy beaches, and a scenic city skyline.

For the first time ever, we will follow our Live And Invest In Panama Conference with a five-day, four-night Relocation Discovery Tour of Panama’s top coastal lifestyle options.

Join a small group of fellow attendees to hit the road post-conference to discover together Panama’s renowned Pacific Riviera.

Both a private driver and a concierge guide will escort you every step of the way for this immersive experience to help you consider, compare, and contrast Panama’s most desirable beach communities and residential lifestyle choices from Punta Caelo, Ensenada, and Casamar to Riomar, Vistamar, Coronado, and Buenaventura.

The tour includes accommodation (three nights in Coronado and one night in Panama City), all ground transportation, and most meals, including Welcome and Farewell dinners… as well as all guided excursions and the full-time support of your concierge tour director.

If you’re considering retirement, a second home, a real estate investment, or a full relocation in Panama, you need to explore your best options for yourself.

This is your chance.

Our first-ever Panama Relocation Discovery Tour can accommodate only 20 attendees. These places will fill very quickly. Details are here.

OK… to regroup… here’s what’s on the table…

It amounts to the best introduction imaginable to the world’s best place to live, retire, and invest overseas.

Join us in Panama to explore it’s hidden Veraguas coast (Jan. 16-18)…

To enjoy a day on a white-sand beach just 10 minutes from downtown Panama City (Jan. 19)… Remember that this private excursion is free for every conference attendee…

To meet, mix, and mingle in person with me, my entire Panama team, current Panama expats, and a whole lot of your fellow Live And Invest Overseas readers at my 2027 Live And Invest In Panama Conference (Jan. 20-22)…

To enjoy a private tour of the Panama Canal, a guided walking tour at sunset of Casco Viejo, and insider access to our favorite neighborhoods across Panama City as an Elite Conference Attendee (Jan. 22-23)…

To explore Panama’s renowned Pacific Riviera with a concierge guide. This first-ever Panama Relocation Discovery Tour is your chance to consider, compare, and contrast Panama’s most desirable Pacific beach residential communities firsthand (Jan. 24-28).

All in, you’re looking at about two weeks in Panama this coming January. I can’t imagine a better way to start your new year…

Or to jumpstart your go-overseas plans.

Can’t manage two weeks away?

No worries. Remember, this invitation is a la carte! Please… come on down to sunny Panama for as much of this adventure as your schedule allows.

If your time is limited, I recommend you join us for my 2027 Live And Invest In Panama Conference as an Elite Attendee. It’s your most efficient option for sizing up all that Panama has to offer you right now.

Plus, it’ll be a really good time. Promise.

I can’t wait to see you then.

Take a look here now for all the details on all that’s on offer!

Until next time,

Kathleen Peddicord Signature

The post The Best Introduction To The World’s Best Place To Live Overseas appeared first on Live and Invest Overseas.

  • ✇Live And Invest Overseas
  • The #1 Thing That Turns Dreams To Reality Kathleen Peddicord
    If I had to name one thing that could make the difference between making your living, retiring, or investing in Panama dreams come true… and risking a disappointing, maybe even doomed experience, it’d be… Connections. As you work on your Panama plan, focus on making the right connections. I’m talking about…  Connections with experts—professionals with long experience helping others like you do the things you’re considering doing in this country. Who has the authority, judgment, and e
     

The #1 Thing That Turns Dreams To Reality

1 September 2026 at 08:00

If I had to name one thing that could make the difference between making your living, retiring, or investing in Panama dreams come true… and risking a disappointing, maybe even doomed experience, it’d be…

Connections.

As you work on your Panama plan, focus on making the right connections. I’m talking about… 

Connections with experts—professionals with long experience helping others like you do the things you’re considering doing in this country.

Who has the authority, judgment, and experience to help you navigate the local landscape safely, efficiently, and with maximum success?

Identify as many on-the scene, English-speaking experts as you can, including lawyers, tax pros, medical professionals, shipping agents, bankers, real estate agents, developers, etc.

Whatever you’re hoping to do in this country, you’ll need an infrastructure of serious people who understand the challenges that expat retirees and investors face here…

Connections with expats—people just like you who have already made a move or an investment in Panama.

To maximize your chances of success and minimize frustration along the way, you need to connect with both professional local experts and, just as important, expats with boots-on-the-ground knowledge about how best to capitalize on the many opportunities Panama offers. Who knows better how to do what you’re thinking you want to do in Panama than other people like you who’ve already done it?

Connections with like-minded folks—more people like you who share your dreams and ideas but who, again, like you, haven’t yet made the leap. More people than ever are considering moving to Panama, in retirement or even decades before conventional retirement age. These folks can provide great support for you… as you can for them.

While your family and friends might find your live-, retire-, and invest in-Panama inclinations silly or even batty, many thousands of other folks do not. Many thousands of folks are thinking the way you’re thinking and are also seeking a new, better, and more diversified life down here in the Hub of the Americas.

These folks, who have so much in common with you, could be sounding boards for your plans and ideas and maybe even potential travel partners. Some could even become your new neighbors…

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Connections with me and my team—You could make a move or an investment in Panama without enlisting our direct help. But why make things harder for yourself than they need to be?

Honestly, retiring, relocating, investing, or starting a new business anywhere, including Panama, comes with complications, challenges, frustrations, and pitfalls. But you have an option that can greatly reduce your risk, and the amount of effort required. This option can make your move or your investment in Panama easier, more efficient, and less costly… not to mention a whole lot more fun.

The best way to take advantage of all the hard-won knowledge and wisdom of me and my team… in effect goof-proofing your move to your dream place in the Panamanian sun… whether that’s in the mountains, at the beach, in the rain forest, or maybe in Panama City… is to join us for the 2027 Live And Invest In Panama Conference.

What Panama adventures would suit you best? Only you can answer that question.

What I can tell you is that no matter who you are… Whether you’re in your 20s or your 80s or anywhere in between… Whether you’re single or married… Whether you have health concerns… Whether you have kids to raise (and find good schools for)… Whether you’re looking to retire or to invest or start a business…

You could improve and enrich your lifestyle dramatically while perhaps reducing your cost of living significantly by reinventing your life in Panama.

Our Live And Invest In Panama Conference is your most efficient chance to compare, consider, and filter all of your best opportunities for living and investing in this dynamic little country.

And the 2027 program is jam-packed with opportunities for you to discover Panama firsthand including an invitation to come discover my own personal paradise on the country’s untamed Veraguas Coast—Los Islotes—and a four-night Relocation Discovery Tour of Panama’s top coastal lifestyle options.

Plus, real estate tours, a sunset jaunt to Casco Viejo, the most romantic spot in the country’s capital city, and of course, a tour of the Panama Canal.

It’s all yours for the taking…

Please, leverage our decades of experience to formulate your plan and make your Panama dreams a reality and join me in January for the 2027 Live And Invest In Panama Conference.

Until next time,

Kathleen Peddicord Signature

The post The #1 Thing That Turns Dreams To Reality appeared first on Live and Invest Overseas.

Received — 27 August 2026 ⏭ Live And Invest Overseas
  • ✇Live And Invest Overseas
  • Seeing Is Believing Kathleen Peddicord
    I’m all in on Panama. I’ve been spending time and money in this country since 1997. Lief and I have been living here full- and part-time since 2008. We’ve raised our son here. Based our business here. Made every kind of property investment it’s possible to make from pre-construction condos to commercial buildings and from productive land to land for banking and the legacy undertaking that is Los Islotes on Panama’s gloriously undiscovered Veraguas Pacific coast. Based on all that exp
     

Seeing Is Believing

1 October 2026 at 08:00

I’m all in on Panama.

I’ve been spending time and money in this country since 1997.

Lief and I have been living here full- and part-time since 2008.

We’ve raised our son here. Based our business here. Made every kind of property investment it’s possible to make from pre-construction condos to commercial buildings and from productive land to land for banking and the legacy undertaking that is Los Islotes on Panama’s gloriously undiscovered Veraguas Pacific coast.

Based on all that experience, what do I say to anyone who asks me what I think of Panama today?

“Get on a plane and come see for yourself,” I suggest.

Because if you aren’t taking a good close look at all that Panama has to offer right now, you’re missing out.

This is true regardless of your agenda.

Whether you’re looking to improve your lifestyle…

To make some money…

Or both…

Panama should be at the top of your list.

Our Live And Invest Overseas business is based in the heart of Panama City. We’re in good company. The Panamanian capital is home to hundreds of international operations, including some of the world’s biggest from Estee Lauder and Nike to Dell, Caterpillar, Nestle, and on and on.

I appreciate the great advantages that Panama offers the globally minded entrepreneur, but, to be honest, I don’t love Panama City.

Panama City is a boom town… crowded, dirty, noisy, and hot.

Our now 27-year-old son, on the other hand, enjoys every chance to return to the town where he grew up. He and his friends from school hit the clubs, the restaurants, the casinos.

Panama City is recognized by his generation and other folks younger than me as Miami South.

My favorite thing about Panama City is driving out of Panama City, across the Bridge Of The Americas, headed west.

Because while Panama City is not my lifestyle cup of tea, life out at Los Islotes, west of the capital and way down at the bottom of the western coast of the Azuero Peninsula, is my definition of paradise. No nightclubs or casinos in these parts. No shopping malls or fast food either. This is a frontier.

Privacy, elbow room, and a chance to create your own reality in the most virgin natural setting imaginable—those are the things that attracted Lief and me to this outpost in the first place and those are the things we most appreciate about this secret coast still.

Panama City is the most developed city in the region and increasingly recognized as a brand-name city on the world stage alongside Miami and Dubai…

Panama City skyline overlooking the Pacific Ocean and modern waterfront high-rises.

Panama’s Veraguas coast is one of the most unspoiled spots on our planet…

Scenic black-sand beach with lush tropical vegetation and mountains in the distance.

In between are just about every other lifestyle option you could be in the market for… from cool, comfortable living among a welcoming community of fellow expats in Panama’s highlands…

Lush countryside with gardens, farmland, and mountain views in Panama.

To beaches that are weekend-commutable, within a couple of hours drive of Panama City…

Panoramic coastal view of Panama from a high-rise balcony overlooking the beach and ocean.

Pounding Pacific beaches that attract the world’s best surfers…

 Surfers walking along a beach at sunset, carrying their boards as golden light reflects on the wet sand.

And tranquil Caribbean beaches ideal for unplugging and recharging…

Crystal-clear turquoise water surrounding a lush tropical island with palm trees and a thatched-roof pavilion.

This little country is hugely diverse not only when it comes to lifestyle. Panama also offers one of the world’s most diversified investment markets.

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Venezuelans, Colombians, Hondurans, El Salvadorans, Argentines, and others from across Latin America… when they have capital to safeguard, they put it in Panama.

Americans and Canadians, too, likewise, prize this safe-haven marketplace… alongside the French, the Dutch, the Irish, the Spanish, Norwegians, Brits…

As well as, increasingly, investors from Dubai and across the Middle East…

Anyone anywhere seeking safe harbor… they’re looking to Panama.

I sat down with longtime friend in Panama Jose Bern for a conversation to launch my new Living And Investing Overseas With Kathleen Peddicord podcast. (Subscribe to our YouTube channel to be the first to hear when it’s released.)

Lief, Kathleen and a man posing together on a sandy beach with ocean waves and dramatic clouds in the background.

Jose’s father Herman was one of the first people I met in Panama. Herman took me to see the beach just outside Panama City that he was preparing to develop.

Today, nearly three decades later, that Playa Bonita is a Westin-branded stretch of coastline. We hosted our Beachfront Living Event here this past July…

Aerial view of a tropical coastal resort overlooking a beautiful turquoise bay, surrounded by lush greenery and mountains.

In the decades since we connected with him, Herman’s Empresas Bern has become “The Brand That Built Panama City”… headed up now by Jose.

As Jose put it when we spoke, investors who want to grow their money need to go to a place that’s growing.

After decades of firsthand experience on the ground in this country, I can tell you…

Boy, howdy, yes indeed. Panama’s growing.

If you’re interested in expanding your lifestyle… or your investment portfolio… or, like me, both…

I strongly recommend that you come on down and see this little country for yourself.

I’d love the chance to show you all that Panama has to offer in person.

Until next time, 

Kathleen Peddicord Signature

The post Seeing Is Believing appeared first on Live and Invest Overseas.

Received — 20 August 2026 ⏭ Live And Invest Overseas
  • ✇Live And Invest Overseas
  • Mexico 101 Kathleen Peddicord
    Mexico is home to more American expats and retirees than any other country—at least 1 mil­lion and as many as 2 million, depending on the survey. They’re drawn in by beautiful beaches, laidback living, and welcoming locals, and by more practical matters, too. Let’s take a quick look at three of the main ones; health care, residency, and taxes… Health Care In Mexico, there’s a difference in the quality of medical care be­tween public and private facilities. As an expat, you’ll likely see
     

Mexico 101

18 August 2026 at 07:00

Mexico is home to more American expats and retirees than any other country—at least 1 mil­lion and as many as 2 million, depending on the survey.

They’re drawn in by beautiful beaches, laidback living, and welcoming locals, and by more practical matters, too. Let’s take a quick look at three of the main ones; health care, residency, and taxes…

Health Care

In Mexico, there’s a difference in the quality of medical care be­tween public and private facilities. As an expat, you’ll likely seek out private care, which is excellent.

The best facilities have first-rate technology, English-speaking doc­tors, and low prices. Private facilities are the best option for expats. They’re similar to what you’re used to in the U.S. or Canada.

Medical tourism is a fast-growing industry, with more Americans choosing to cross the border to seek quality, affordable health care in Mexico every year, and many Mexican doctors are trained in the U.S., Europe, or Canada and speak English fluently.

Costs here are low, typically just one-third the cost you’d pay for comparable care in the United States.

Residency

Mexico offers straightforward paths to residency, although it doesn’t offer a retiree-specific, golden, or digital nomad visa.

You can apply for temporary or permanent residency. To qualify for temporary residency, you’ll need to show that you receive $4,295 per month in income or have a minimum of $71,375 in savings.

Mexico is unique in that it allows you to jump straight to perma­nent residency, which is a more solid residency status. To do this, you’ll need to show that you receive $7,075 per month in income or $284,089 in savings.

Note that the exact qualifying amounts can vary from consulate to consulate.

Our Latin American correspondent Lee Harrison is a permanent resident of Mexico, and he found the process to be simple, straight­forward, and fast.

All it took to get a residency visa was a single consular visit, where he was helped by an English-speaking agent. And even better, they accepted his English-language documents at the consulate with no translations.

He also didn’t need apostille certifications of his income, social security, or banking information… although if a couple applies as a family unit they will require that you apostille your marriage or birth certificate.

Best of all, there’s no lawyer required… although if you do not speak English or Spanish, you’ll need to bring a translator.

The biggest thing that stands out about Mexico is that they allow you to use savings in lieu of income when qualifying for a visa. This is great for people who have savings (like a 401k) but don’t have a formal pension.

Qualification thresholds have become high, at least for now. This is because income requirements are based on multiples of the Mexi­can minimum wage, which has gone up dramatically in recent years. There are plans to correct this calculation, so that thresholds are more reasonable… but no timetable as to when it will happen.

Most of the people we hear from choose to qualify with savings, using an IRA or a 401(k). Then they switch to permanent residency after four years, with no required proof of income.

No minimum stay time is required to maintain your visa. You do not need to live in Mexico to maintain residency, however you do need to be there to renew your residency if you have a residency which expires.

Of course you may not even need residency in Mexico, thanks to their liberal tourist-entry policies. You can get a 180-day stay when you enter the country, which is usually enough for a part-year resident. And if you leave Mexico during your stay, you get another 180 days when you return.

You can import your household effects duty-free as a new resident. The nearest consulate will give you the permit upon request.

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Taxes

Mexico has a good tax treaty with their USMCA brothers in the U.S. and Canada, as well as a lax policy for categorizing you as a “tax-res­ident”.

Mexico has the lowest tax burden among all OECD countries (a group of the world’s 35 wealthiest nations).

You are a tax-resident of Mexico if you have established your pri­mary home or center of business there. Unlike most jurisdictions, they do not use time-in-country to determine tax residency.

Non-tax-residents are subject to tax on their Mexican-source in­come only, paying zero, 15%, or 30%, depending on your income. Capital gains for non-tax-residents are taxed at either 25% of the sale, or 30% of the gain (the highest tax bracket), whichever is less.

Tax-residents are subject to tax on their worldwide income, al­though much of your income may be exempt for various reasons. (For example, any income that had tax withheld is considered final, and not declared on a Mexican return.)

Also, Mexico has tax treaties with the U.S. and Canada, designed to prevent double-taxation. Otherwise, tax brackets run from zero to 35%. Capital gains for tax-residents are taxed as ordinary income.

There is no inheritance tax or wealth tax in Mexico.

Until next time,

Kathleen Peddicord Signature

The post Mexico 101 appeared first on Live and Invest Overseas.

  • ✇Live And Invest Overseas
  • A Helping Hand Kathleen Peddicord
    Years ago, when we were getting started at Los Islotes, we rented a house in the nearby town of Mata Oscura. This was before we had a house of our own here… before there was any construction on the property. Gary, who ran the construction crews for us in the beginning, lived in the house, with his wife Karen. Lief and I would stay in their guest room as we came and went. This was our first connection to this coast… and on our doorstep in Mata Oscura was the little Morrillo School. It was a
     

A Helping Hand

17 August 2026 at 08:00

Years ago, when we were getting started at Los Islotes, we rented a house in the nearby town of Mata Oscura. This was before we had a house of our own here… before there was any construction on the property.

Gary, who ran the construction crews for us in the beginning, lived in the house, with his wife Karen. Lief and I would stay in their guest room as we came and went. This was our first connection to this coast… and on our doorstep in Mata Oscura was the little Morrillo School.

It was a two-room schoolhouse with a dozen children. They had a tiny budget so we would make a point of bringing books and other learning materials with us to drop off each visit.

We’ve sponsored Christmas parties and graduation fiestas each year since… and last week Dalys, our righthand woman at Los Islotes, approached us to ask if we might be up for helping the Morrillo School with a special project.

“They want to create an area for presentations and festival celebrations,” Dalys explained. “They need cement and other things. And they are wondering if we’d be able to contribute something.”

“Let’s go have a look,” I suggested.

We drove the 20 minutes from Los Islotes to Mata Oscura to meet with the Morrillo School’s teacher. Maestro Moreno met us with a big smile…

Maestro Moreno, Lief and Kathleen

Then he showed us the project site. “I’m working with the parents of the children,” he explained, “to create a new space for dances and other activities… plus we can host special events here at holidays”…

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“We’re trying to finish our work by Sept. 11… in time for a special party. We work every Sunday from 7:30 a.m.”

Maestro Moreno, Lief and Kathleen looking at the project site

Maestro Moreno needs 20 bags of cement and some rebar. We’re organizing for the materials to be delivered by Saturday. Then, early Sunday morning, Lief and I plan to drive over again to lend a hand. I don’t think I’ll be any help, but they might appreciate Lief’s strong back… and I’ll have a chance to know more of our neighbors.

Until next time,

Kathleen Peddicord Signature

The post A Helping Hand appeared first on Live and Invest Overseas.

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