Category Archives: Retirement

Thinking of a move to Panama? Read This First

There is a feature for WordPress bloggers called “Tag Surfer.” It hones in on what other bloggers have written that you have expressed an interest in. Today I found a post by an unknown (there’s no”About” section attached to the blog so I don’t know who wrote it. It’s called:

http://livingtheamericandreamineurope.wordpress.com/

And the title of the post was: “So, You Want To Move To Europe? Part Two I have to admit I didn’t see Part One.

Anyway, the unknown author presented an article from Cracked.com and the post:

http://www.cracked.com/article_19363_6-reasons-your-plans-to-move-abroad-might-not-work-out.html

Now, Cracked.com is a humor site, but there’s a lot of truth in this post. Here are the six reasons given and I’ll add my own notes but you need to read the article for yourself if you’ve ever thought about moving to Panama or any other country that’s not your own…

#6. The People There Probably Don’t Want You

Personally I haven’t met anyone here in Panama like that, but I know they exist. My lawyer told me once that she has friends who don’t like gringos. Hey, I understand. I don’t like most of them either.That isn’t to say I don’t have some gringo friends here, but for the most part I avoid gringos. I went to the Tuesday Market in Boquete once and I shudder to think of ever having to go back again. I bought what I came to get and left as soon as possible. But then again, I do that with shopping in general. That may have something to do with sex. (No, not THAT kind of sex. Sex as in which one you were born into.) Most women go love to go “shopping.” That doesn’t mean they’re going to buy anything when they go, but that’s the term most women use. Men, on the other hand when they have something they want or need to get, they go to the store, find the item or items, pay for them and leave.

#5. Their Governments Don’t Want You, Either

Panama is a little bit different. They are actually trying to make it easy for people, retired people that is, to move to this small country where they will voluntarily spend their retirement income.

#4. Other Countries Treat Illegal Immigrants Worse Than America

Who knows about Panama? I do know, that despite having a Pensionado Visa, and am “legal,” I am perpetually a guest in this country and can be told to leave at any time for any reason or no reason at all. I hope I never have to find out how their extradition process works.

#3. What You Hate About America, You Find Everywhere

Now this is spot on. Don’t think moving somewhere else is going to change a lot of things. I never went to McDoo Doo’s in the States and I’m NOT going to go to one here. But I hate having to go all the way to Panama City for some tasty, spicy fried chicken. LOVE that chicken from Popeyes. Pio Pio just doesn’t cut it and KFC which is here in David, gets the same treatment as Mc Doo Doo’s. Didn’t eat it there won’t here, either. Same thing goes for Domino’s, Pizza Hut and TGIF,, all of which have a presence here in David.

#2. Adapting Will Be Harder Than You Can Imagine

I think this is something most new expats never really expect. Good old CULTURE SHOCK. It’s GOING to happen to you. There’s no way you can avoid it. You’re not in Kansas anymore. Again, personally, I haven’t been hit with culture shock here even though I’ve been “in country” for a year and a half. And I think I know why. About six months into my three year stay in France culture shock punched me in the gut. I wanted to leave. But I had a job that I said I’d do and I stuck it out. Things got better. Then, about six months after I got back to the States I experienced culture shock again. I wanted to go back to France so bad you can’t believe how much. But I didn’t have the money to do so, so I stuck it out and things got better, sort of. Now, I think having gone through two bouts of culture shock before I’ve simply learned to take things as they come. Things aren’t going they way you want them to? Well, TOUGH TITTY! That’s the way things are…DEAL WITH IT!

#1. You Will Likely Just Hang Out With Other Americans

This is definitely true for WAY TOO MANY GRINGOS who move here and settle around Boquete and Volcan. Not that there’s anything inherently wrong with that but it’s just not how I want to live here. Yes, as I said, I do have gringo friends here but, by and large, I avoid most gringos as if they had some kind of infectious disease. But that’s just me. Your mileage may differ.

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Another One Bites The Dust

In the last month I’ve encountered three people (that includes a couple) who are packing up and returning to the Great White North. Their stories illustrate some of the common things that happen to people whose retirement dreams turn sour.

The three came to Panama and settled in Boquete on the other side of the valley from Potrerillos Arriba. In the last couple of years Boquete has been heavily promoted as being one of the premier spots for people to retire to when the wish to retire outside of the United States. It’s a place that was described by a sixth grader at a school in David as “Gringolandia.”  There are a lot of expats who have settled in and around Boquete many of them in gated “communities” where they are insulated from the reality of Panama and way too many of them don’t learn Spanish and are often an embarrassment when I see them in the local stores pissed off that the locals haven’t learned English so the expat’s lives would be easier. They’ve been taken in by the misinformation publications and sites like “International Living” who say “many of the locals speak English. NO THEY DON’T! Nor should they. The language here is Spanish and YOU should learn THEIR language, not the other way around.

Dealing with the language for the monoglots who only operate in English is one of the biggest reasons so many people leave. Of the three people mentioned earlier not learning to speak Spanish played a great part in their decision to return north of the border. I talked to the single man who was leaving. He is doing it for health reasons which is a valid excuse but part of his problem is he “can’t find a doctor, here, who speaks English.” Well, MY doctor here speaks near-perfect English. Also this gentleman is from Mississippi and his accent is so thick you can, as they say, cut it with a knife. Now, not to put down anyone from the great state of Mississippi, I had a problem understanding his speech and I’ve been speaking English since I was able to speak at all. He said he’d tried to learn Spanish but he was too old, which is another weak excuse although I’m sure that with his accent no Panamanian would have been able to understand his Spanish anyway.

The couple fall into the biggest category of quitters. Though they say they did all their “due diligence” before committing themselves to living here I think they deluded themselves. They read all the propaganda about how this is a paradise. They came down, looked around, found “Gringolandia” and bought a house. Then, not speaking the language, they became disenchanted and when “culture shock” landed on them with both feet they succumbed and are selling their house at a loss. Besides not learning to speak the language they didn’t do one of the most important things of all which is to have come down here and rented a place for at least six months to see if they could actually make the transition.

Not everyone can, nor should they, pack up their old way of life and move to a different country where the customs and language are so different. It takes a special kind of person to pull it off. It take a commitment that most people don’t possess. Of all my friends, relatives and acquaintances in the States I only know ONE who could pull it off and that’s because he has at various times in his life. Because of circumstances beyond his control he’s living in the States now, but in the past Bill’s lived for at least six years in France, three or four in Spain and spent, literally, years in Mexico and Guatemala. He speaks both French and Spanish. He’s a few years away from retirement age but it wouldn’t surprise me that when he hits the magic number he’ll drift south of the Rio Grande and be successful at it.

The big hurdle for everyone who leaves their comfort zone in the States is, of course, culture shock. It WILL hit you. Just how long that will take before it hits varies from person to person but it is inevitable. Your success depends on how you cope with it and whether you can work your way through it or not. It hit me in France at about the six month mark and that’s about when it gets most people. I really wanted to leave, but I’d committed myself to doing a job and so I stuck it out and am glad I did. In fact, I was hit twice with culture shock. When I returned to the States after being abroad for nearly four years again at about the six month mark I wanted to clear out and thought seriously about returning to France. I didn’t, of course, but the determination to leave the States stayed with me until I could actually get things together and do it. I haven’t had a problem with culture shock here in Panama and I don’t think I will, having gone through it twice I know how to roll with the flow now and deal with things as they are.

It isn’t just moving to another country that can be a problem for people in their retirement years. Want a great deal on a nice sailboat? Go to places like the Virgin Islands, the Rio Dulce in Guatemala and other “destination” ports. There are plenty of boats there that are owned by people who dreamed of sailing around the world, bought a boat, sold everything and took off only to abandon their dream at their first distant port of call. Reality bit them in the pooper and they discovered that the “cruising life” is little more than repairing broken gear in exotic locations without the proper tools or the skills to actually do the job. Usually, though not always, it’s the woman who gives up first. I remember one woman in Guatemala who was forcing the end of the adventure because she couldn’t cope with the lack of shopping malls and places to get her nails done. I’m not making that up. That’s exactly what she said. Of course I think that’s stupid, but for her it was a valid reason for going back and who am I to ridicule her reasons. There hers and not mine.

I feel sorry for those people whose dreams lie ship wrecked on the bleak shores of reality but that’s how life goes sometimes.

Things are changing here in Panama recently. The 29th of this month will mark my first anniversary. The seasons are changing. After a long dry spell we’re starting to get rain on a nearly daily basis now. Not the drenching frog-choking gully washers of last year, but a couple of hours of the wet every day. Gas prices are over $4/gallon now which is driving up the cost of transportation and as a result food prices are rising and it’s hard for the ordinary Panamanian. Yesterday I took the bus down the mountain to do some grocery shopping. What used to cost 90¢ for the one-way trip is now $1.05.

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The Difference Half A Century Makes

I LOVE the dawn. Seeing the world wake up. Listening to the roosters calling up here on the side of the mountain in Panama.

When I was 18 I used to stay up all night so I could see the dawn. At 68 I turn in early so I can wake up and see it.

I KNOW I posted this video before but I like it.

The dawn is such a precious thing there are several words in the Spanish language for it: La Alba, La Madrugada describe the time and amanecer describes the process of the dawn.

Of the two words, La Alba is used most often in poetry.

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Panama’s National Bird

Officially, the Harpy Eagle, the largest raptor in the Western Hemisphere, is the national bird of the Republic of Panama.

I’ve written previously about some of the birds I’ve become acquainted with here and regular readers have seen my videos of the Rufus-tailed hummingbird that lives in the garden of the Potrerillos Arriba house and the screeching flocks of parrots that are everywhere in the highlands. But anyone who has spent any time outside of Panama City soon becomes aware of the fact that the real national bird of the Republic is not the majestic eagle but the common, every day chicken.

Chickens are everywhere. You can even buy your future suppers at the bus terminal.

I have to say, here, that much has been written about the “chicken” buses of Central and South America but I’ve yet to encounter one here in Panama. Once on the ride up to Potrerillos there was an Indian lady with a small box with some young chicks she probably bought at the terminal but that’s the only time I’ve ever been on a bus with chickens here and it hardly counts. On the other hand, a couple of years ago in the central province town of Santiago I did run across this lad waiting for a ride home.

Taking my morning coffee on the porch of the house on the side of the mountain the crowing of roosters could be heard from every point of the compass. Here on my short street in Boquerón there are at least a half dozen flocks of chickens roaming unmolested throughout the daylight hours and there is seldom a time when a rooster isn’t announcing his presence. On the half-mile walk to the Info Plaza it seems there’s a small flock at every other house.

At the first house on the right leaving my yard the owner is serious about raising gamecocks. He has 30 of them and every day they are released from their cages and staked out on the front lawn to catch some fresh air.

It would be a tossup as to whether baseball or cockfighting is more popular in Panama since I’ve noticed that many homes have a small coop in the back yard with one or two gamecocks.  Along the Interamerican Highway between Boquerón and David I know of three “Jardins” that have “Coliseo Gallistico” pits attached and there are at least two on the road from Potrerillos to David. There’s a good-sized baseball stadium in David complete with lights for night games and both Dolega and Boquerón have their own baseball fields though these are just for day games for both Little League and adults.

My paternal grandfather used to raise and fight gamecocks and in the future I will be submitting future posts about my neighbor and his birds.

My neighbor to the left of my house has a couple of flocks of chickens that roam freely about the area. Several of them are the tailless Aracuana breed lead by this handsome fellow:

It’s noisy around here with the crowing of cocks throughout the daylight hours but surprisingly enough I don’t find it annoying at all.

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Learning Curves Can Cost Ya!

As my readers know the house here in Boquerón doesn’t have an internet connection so I got a USB modem so I could stay connected. I signed on to a 2 gig plan meaning I can up/download two gigs of information each month.

After two weeks I couldn’t sign on any longer. There were all kinds of theories as to why. One was that Cable and Wireless hadn’t been paid, but a quick check while signed on from the Info Plaza showed this not to be the case. Then it was thought that perhaps in disconnecting the modem without first having clicked the tiny, microscopic icon one is supposed to use to safely remove such things as modems and thumb drives. This, too, wasn’t the problem.

On the sixth day with no connection from the house I went with the modem to my agent who happened to be on the phone with the C&W people in Panama City who said that I had gone way over the monthly limit and had racked up 1.35 gigs of overtime to the tune of $138.76! I couldn’t believe it, and though I’ve been playing around with computers since 1995 I learned a heap yesterday.

Most of the blogs I like to follow daily are extremely photo intensive and most of them aren’t “compressed” so they gobble up a lot of megabytes each time I click on one. Bummer. Things like Yahoo and MSN Hotmail are compressed and don’t jack up the usage at nearly the same rate. But still, I had downloaded a bit over half of my monthly allotment in just two weeks of use.

What really killed me was posting to this blog. I, too, like to post a lot of photos and since they aren’t “compressed” you can almost hear the meter running. Just two of my most recent post chalked up half a gig alone. Reluctantly I went to the C&W main office in David and forked over the dough and have rethought how I will have to approach my internet experience until I get back to Potrerillos where I’m not limited in my usage.

In the past and even here using the Info Plaza I would go to the sites I like, copy them and past them into a Word document and place it in a folder marked “Read Later.” The only disadvantage to that is on blogs I’m not able to make comments immediately. For news items and such it doesn’t matter.

So, I can’t use my modem until the middle of December and will have to rely on the Info Plaza for posting new items to my blog. I’ll just have to write my posts at home first and paste them from the Plaza restricting my home usage to emails as much as possible.

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Could YOU?

Okay, I’m an old guy and I wear dentures. Partials. The other day getting ready for bed I noticed, when taking them out, that I had lost one of the lower teeth sometime during the day. Probably happened when I was eating one of my homemade tostadas for lunch.  I figured if I could find it I’d super glue it back in place so I searched all around the desk where I eat but couldn’t find it. I guess, since it’s a fairly small tooth, that I swallowed the damned thing. If I did I’m sure I would eventually pass it but I absolutely refuse to search for it, and if I did happen to find it no matter how well sterilized I might be able to make it I don’t think could deal with ever having it in my mouth again. Could YOU?

So now I’m in the process of trying to find someone who can make the repair while using my fractured Spanish. Living abroad can be a challenge some days.

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Not A Bad Idea

Yesterday I got an email from a friend who lives in Panama with a link to a site I don’t often visit primarily because the person, Don Winner, who seems, to me, to be a major shill for the real estate interests there. I will give him credit, though, he doesn’t sugar coat a lot about the bad side of Panama reporting on crimes and murder as well.

The link my friend provided led me to this story:

By Rodrigo Campos, AFP Writer- Ciudad de Panamá – Panamanian President Ricardo Martinelli signed into law Wednesday a controversial measure requiring all visa applicants to pass a Spanish test before receiving residency documents. The new law, which will go into effect when it is published in the government´s Gaceta Oficial early next week, will likely affect thousands of visa applicants who come from non Spanish speaking countries. The new rules require everyone requesting a new or renovated visa, including those already approved for permanent residency status, to pass a state issued test and demonstrate the grammar and speaking abilities equivalent to that of a 5 year old. The test, which is similar to the aptitude test given to preschool children before admittance into elementary school, will be created and administered by the Ministry of Education in cooperation with the Immigration office. The test will be half written and half oral, and will cost $30. Under the new law all applicants for non tourist visas, regardless of country of origin, will be required to pass a Spanish test before being issued their residency permits. The law covers nearly all residency statuses, both permanent and temporary, with the lone exemption being given to foreigners living in Panama under refugee status. Those either failing the test or refusing to take it will have their visa status downgraded to the same regulations given to those carrying a tourist visa.


The new rules come at a time where the Central American country is seeing an influx of foreigners who are moving there for retirement and investment. Proponents of the law say that the new requirement will assure that people who decide to move to the country can assimilate with more ease. Opponents say the law can cripple the real estate and investment market, still recovering from the world recession, by discouraging retirees and investors from moving there. For a complete transcript of the entire law translated into English, please visit http://tinyurl.com/2ht3po.

Now, I actually think this is a great idea. When I read posts on some of the Yahoo Groups I subscribe to and people are asking where they can hook up with other gringos I always tell them they need to learn Spanish and try and integrate themselves into the culture as much as possible or stay in the States. Lots of gringos there.

I wouldn’t have a problem with having to do what this new law proposes, but I did write to my lawyer in Panama City and asked her if she had heard anything about this.

She wrote back in about an hour and said: “I found the article in a yahoo forum and at the end there’s a link that will take you to the definition of April’s Fool Day? Do you know of this day?”

WHAT A CLASSICALLY GREAT JOKE. And I fell for it hook, line and sinker.

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What to Bring to Panama

“At sea, I learned how little a person needs, not how much.” – Robin Lee Graham – Dove

I am currently in the process of culling down my possessions before I make my permanent move to Panama. Though Panamanian law says I may import up to $10,000.00 worth of household goods the biggest problem is I don’t have $10,000.00 worth of household goods. I probably don’t even have one third that amount and the question arises as to whether I want to bring them along with me, anyway.

Besides the opening quote there are two two others I’ve kept for years that address this dilemma.

“‘I’ve always wanted to sail to the South Seas, but I can’t afford it.’ What these men can’t afford is not to go. They are enmeshed in the cancerous discipline of ‘security.’ And in the worship of security we fling our lives beneath the wheels of routine–and before we know it our lives are gone.

“What does a man need–really need? A few pounds of food each day, heat and shelter, six feet to lie down in–and some form of working activity that will yield a sense of accomplishment. That’s all–in the material sense. And we know it. But we are brainwashed by our economic system until we end up in a tomb beneath a pyramid of time payments, mortgages, preposterous gadgetry, playthings that divert our attention from the sheer idiocy of the charade.

“The years thunder by. The dreams of youth grow dim where they lie caked in dust on the shelves of patience. Before we know it the tomb is sealed.” – Sterling Hayden – Wanderer

“If we’re really going to start a new life, we have to kill the old one. That’s why most people never really start anything new. They’re claimed by old lamps and bureaus left to them by their grandmothers.”Betty WilsonAway from it All

So, what do I do with those old lamps and bureaus?

My full name is Richard Staigg Philbrick. The original Richard Staigg was a fairly well-known painter, primarily or portraits and miniatures. I have a pencil sketch of his of a young girl with flowers. It’s not worth a whole lot of money. According to the web site Live Auctioneers the original oil painting of the sketch sold at auction for $425.00. While the pencil sketch has little intrinsic value it does have value as a family heirloom. But it certainly isn’t something I want to take with me. So, I will be sending it to one of my nieces. She is the last one in the family to carry the Staigg name. A few years ago when I asked her what she thought of her middle name she just shrugged. Now that she’s in college perhaps she’s better disposed of carrying on a long family tradition.

When my dad sold the family home in Orleans, on Cape Cod, built before the Revolution, he gave each of us boys a few things from the home. I received one of the few chairs that had been built in the 1800s by my mother’s relatives. Since I was working on living on boats at that time I had no use for it and gave it to my brother Gary and his family. One thing I have kept, primarily in storage for the last twenty years or so is a beautiful Reed & Barton tea pot. But what do I need it for? I rarely drink tea and when I do it’s simply made with a bag. I have decided to give it to another niece. One who has a home and children.

There are other items like those that I’m not going to take with me and I really don’t know of anyone who want or need them. What does one do with their high school year book in a situation like mine? I’ve been an avid reader all my life but in the past year or so I’ve been buying my books on-line through Audible.com and listening to them on my Ipod. I’m certainly not going to pack up the stack of books I’ve accumulated over the past few years and lug them to Panama. They’ll end up somewhere.

I love my large screen t.v. but it’s not coming with me, either. The woolen suits that I haven’t worn for years will probably end up at Goodwill, and some of them are quite expensive, too. But they were all given to me in the first place so they’re going.My bed, chest of drawers, computer desk, etc., though only a couple of years old, are staying, too.

My computer(s) of course are going but the five year old printer and scanner don’t make the cut. My small stereo/CD player is probably coming along and I definitely can’t leave my Krups espresso maker behind.

The hardest thing I’ll be leaving behind is my dog, Penny. img_00012

I got her out of a shelter 16 years ago. She’s been a good and faithful friend all these years. She’s old now and has trouble getting around. She loves her afternoon walk but she’s consigned to one speed which is very slow. When I first got her she was able to leap from the ground into the seat of my Toyota van. Now I have to lift her into the seat of my Hyundai Elantra. But she soldiers on. I don’t think she’d make the transition well at all. Fortunately my roommate loves her and has agreed to care for her in her last years.

In the last couple of days I’ve donated a ton of clothing to several charitable organizations. Eight very expensive suits that were all given to me. Some I never wore and the others I haven’t worn for at least five years. They were simply taking up space in the closet. Today I got rid of more than a dozen dress shirts, slacks and sweat suits.There’s absolutely no reason to bring them with me. After all, if I need to replace something I might have given away they sell clothes in Panama, too.

The last thing I need to get rid of is my Boston Whaler. The money I get from selling it will build my houseboat in Panama.trimmed

DSCN0877

It’s a Revenge model. Very rare and a scary fast boat. My friend, Stephen, got stopped in the Intracoastal one day and clocked doing 44 mph. If anyone reading this is interested, I’m asking $10,850. Fully titled and including trailer.




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Reflections on Panama

“If we’re really going to start a new life, we have to kill the old one. That’s why most people never really start anything new. They’re claimed by old lamps and bureaus left to them by their grandmothers.” — Betty Wilson-Away From It All

So now that I’ve received my Pensionado I’m back in the States and involved in the process of ridding myself of those old lamps and bureaus to start my new life. My One More Good Adventure.

Actually I don’t have any old lamps and bureaus. I do have a picture, a pencil sketch of a painting by a marginally famous relative, Richard Morrell Staigg, and was probably the study for this painting: http://www.liveauctioneers.com/item/5638094#

I am Richard Staigg Philbrick. I remember this pencil sketch from the time I was very young. But there’s no way I going to take it with me to Panama? There’s no place for it on the houseboat I hope to build and live on down there. It will be going to a niece who is the only other person, as far as I know, to carry the name Staigg. There is also an heirloom silver tea pot that I will be sending to a nephew. All the rest of the detritus I have accumulated will be sold or given away. I really don’t intend to take much more than some clothes, my cameras and my computers to Panama.

I readily admit that my personal knowledge of Panama is very limited at this point. I’ve only been to a few towns and cities, Santiago, Chitre, Los Santos, Pedasi, Bocas del Toro and David.  But my three trips to the Republic have left me with several impressions,..

So far I have found the Panamanian people to be nothing but friendly, kind and helpful. I have not met the least bit of animosity towards my “gringoness.” My Spanish is far from fluent, but I can hold a basic conversation with people who don’t speak any English. It’s rough Spanish and filled with grammatical mistakes, but the essence of what I’m trying to express comes through and that goes a long way.

Much of the country are breathtakingly beautiful. Just as long as you don’t look at the side of the roads. If you do you can almost imagine Poppa telling Momma, on a Sunday afternoon, “round up the kids and we’ll take the car for a spin and throw shit out the windows.”

On the other side of that coin, I saw young Nôbe-Buglé Indian children leaving shacks that homeless people in the States would refuse to live in wearing spotless, brilliantly white shirts and blouses and pressed blue skirts and blouses as they set off for school.

I’ve met quite a few Americans and Canadians who have retired to Panama and all seem to love it though I know there are just as many who are disillusioned with the experience. But I also have a lot of friends in the States who are so locked into the United States culture they would never be able to adapt to living in the Republic. These are the people who will end up retiring to “creative retirement” communities in places like those Asheville, North Carolina, giving them access to spas, seminars, etc. There’s nothing inherently wrong with that, but it’s certainly not the challenge many of us are looking for.

Retirement abroad definitely has a broad appeal. Many believe they will be able to live in the lifestyle they’ve always had on a much smaller budget. Well, kids, when you move to Panama you’re not in Kansas anymore. Sure, the high rises in downtown Panama City remind you of Miami Beach and everyone’s speaking Spanish like they do in Miami. But it’s different. You get out into the hinterland and you’re living in a land of primary colors. Stores and buildings are often painted with bright, almost garish to some eyes, reds, blues, yellows. The signs on what seems to be the majority of those buildings are crudely hand-lettered. Small cement block houses outside of the towns are only painted on the side that faces the street.

Move to another country and you’re going to be hit hard smack in the face with culture shock. But that’s what attracts many of us. The challenge of it all. That opportunity to have One More Good Adventure.

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The Best Immigration Lawyer in Panama

This is a shameless plug for Lizi Rose; probably the best Immigration Lawyer in Panama. She shepherded my Pensionado Visa through the labyrinth of Panamanian Immigration in just over four months. I don’t think it’s a record, but it’s a shorter period of time than some people I have talked to went through.

When Lizi walks into Immigration she owns the place. She takes no prisoners and doesn’t deal gladly with fools. She speaks absolutely flawless English. I should hope to be half as good in Spanish.

If you’re considering Panama as a retirement destination you couldn’t do better than getting in touch with this fine young lady.

Lizi Rose

www.panamalawyerservices.com

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