Here's US$3,000 To Help Launch
Your New Life In Panama And that's only the start of what we're prepared to do to help you realize your Panama dreams
Panama is the world's #1 retirement haven...
It's the world's top offshore haven... and an international banking center... Its pensionado program of special benefits for foreign retirees is the Gold Standard... And, as a foreign resident, you can pay zero local tax... Panama is one of the best places in the world right now to start a business...and one of the easiest places to obtain foreign residency... Plus, outside Panama City, this beautiful country hides the smartest beach, river, and mountain property buys anywhere on the planet today... Dear Live and Invest Overseas Reader, Low cost of living...excellent health care...idyllic climate (outside the capital)...Pacific and Caribbean shorelines...with wildflower-covered mountains in between...real-world infrastructure...the U.S. dollar for currency (since 1904), so Americans face no exchange risk... An economy that has averaged growth of more than 7% a year for the past six...and that, despite market meltdowns elsewhere, will expand further this year...
Furthermore, again, ongoing worldwide fiscal fiascos notwithstanding, the future for little Panama is bright indeed, thanks largely to its Canal. When the people of this country voted in 2006 to proceed with the Panama Canal Expansion Project, they guaranteed themselves a decade at least of further and expanding prosperity. A Land Bursting At The Seams With Opportunity These are exciting times in Panama. It's been over 10 years since the Americans left and handed over control and management of the Panama Canal to the Panamanians. The transformation in this country over the past decade has been remarkable. Panama has shown the world that she knows how to put her assets to good use. And she stands today as the world's #1 overseas retirement and lifestyle haven. Indeed, it's the place my family and I have chosen to call home ourselves. Frankly, we could be living anywhere right now. However, after 10 years living in Europe, we've chosen to relocate to the Hub of the Americas. Why Panama? Why Now? After more than a dozen years making a career as a global property investor and more than two years of focused research to identify The Next Big Thing, Lief Simon, my husband, chose Panama as the place to invest his money and his time. He's busy out on the Azuero Peninsula developing a long stretch of beautiful beachfront. And, after nearly 25 years doing business all over the world, I chose Panama two-and-a-half years ago as the place to invest my time and my money in the launch of my new publishing venture. (Lucky for Lief and me, I guess, that our two geographic agendas collided!) All things...and this whole wide world considered...it was a no-brainer at the end of the day. We made our lists...pooled our decades of international travel, investing, and business experience...and we arrived at:
Panama. We earn our money in U.S. dollars...and this is a dollar-based economy...
The World's Best Place To Slow Down, Too
We've come to Panama to do business. But maybe that's not your agenda. Maybe you're at the point in your life where you're ready to slow down...settle in...sit back...and enjoy... Again, Panama is the answer. Low cost of living, excellent health care, and the best program of discounts, tax breaks, and other perks for foreign retirees available anywhere in the world today... Everything from 50% discounts off movie, theater, concert, and sporting events tickets to 25% off in-country airline tickets...from 50% off hotel stays to 15% off hospital bills...from 10% off prescription medicines to 20% off doctor's consultations...and, even, 50% off closing costs for home loans (yes, foreigners can borrow to buy in this country...no problem). In fact, the editors of our Overseas Retirement Letter named Panama the world's top retirement haven for 2009. No, that's not what I mean to say...for that's not the truth of it. Our editors didn't name Panama as the #1 place to retire in 2009... They named El Valle de Anton, the little town that sits at an altitude of about 2,000 feet in the Province of Coclé to the west of Panama City as the World's Top Retirement Haven. "After spending a month in the melting heat of Mexico's Yucatan Peninsula," writes Overseas Retirement Letter Contributing Editor Lucy Culpepper, "we craved a cooler, greener place. Panama had been on our minds for almost a year, and El Valle--conveniently positioned not too far from Panama City, yet high enough to be cooler and less humid--kept popping up on our radar."
Expat retiree Cynthia, who, with her husband Fred, took up residence in this lovely mountain town just about a year ago, puts it this way: Welcome To The Panama Circle  It's the secret to realizing every dream you may have of a new life...a grand adventure...a big upside...or a quiet retirement...in the world's top lifestyle, retirement, and offshore haven. And here's your special, limited-time opportunity to take part. Here's your invitation to: Join our Panama Circle. When you do, you will:
I told you a little about myself earlier, explaining that my husband and I have chosen, after a decade living in Europe, to relocate now to the Hub of the Americas...and I cited the reasons for that move.
Allow me now, though, to introduce myself a little further. My name is Kathleen Peddicord. For more than 23 years, I was Publisher and Senior Editor of International Living. Two-and-a-half years ago, I struck out on my own, launching this new Live and Invest Overseas group. Altogether, I've had nearly 25 years experience living, traveling, and doing business all over the world. I've researched, scouted, investigated, reported on, uncovered, discovered, written about, and recommended opportunities for living, retiring, and making money from one end of this earth to the other. It's getting to the point where I'm a little reluctant to admit it...but you're not going to find anyone else with as many years (or frequent flyer miles) of experience covering this beat. And, at this tumultuous time in world market and economic history, I've chosen to relocate myself, my family, and my business to Panama. I didn't make that decision lightly. And I bring the same level of experience to bear when I make this recommendation to you today: If you'd like to join me down here in the world's top retirement haven...let me help. That is, let me connect you to the unparallel network of resources I've been able to establish over the past dozen-plus years of spending time and doing business in this country. Let me do everything I can to help you launch your adventures abroad in Panama (including sending you that US$3,000 voucher I mentioned above that you can use toward the purchase of your new Panama home!). Sure, you could try to manage things on your own...but, believe me...your experience will be smoother, easier, and more pleasant...less hassle-filled and frustrating... And it'll cost you far, far less...far less money and far less time... If you don't try to go it alone. Frankly, that route can lead to disaster. How do you know, on your own, whom you can trust? I've learned the hard way. Over the many years I've been spending time in Panama, I've made missteps and miscalculations...I've worked with people who've let me down...and I've paid for it. I don't want you to pay, as well. Please, leverage my experience. What are we talking about, specifically? Here's the deal: As a Panama Circle Member, you will receive:  Benefit #1 Free Attendance at Our Annual Live & Invest in Panama Conference It's all about who you know. That's the secret to success retiring, relocating, doing business, or investing in a new country. Join us in Panama for one of our annual Live & Invest in Panama events...and we'll make sure you know the right people. You'll be connected to every resource, expert, and advisor you'll need to accomplish everything on your Panama To Do list. We'll introduce you to our preferred and recommended attorneys, bankers, visa specialists, mortgage brokers, health insurance advisors, real estate agents, shipping companies, tour operators, even taxi drivers... Plus we'll put you in touch with fellow expats, who will share the stories and the lessons learned from their own firsthand experiences living, investing, and doing business in this country. And, just as important, you'll have the chance to mingle with your fellow attendees, others just like you, researching, considering, planning for, and making real their dreams of a new life in the World's Top Retirement Haven.
Attendees at our annual Live & Invest in Panama conference will pay as much as US$1,595 to be in the room over the three days of this high-caliber event. As a Panama Circle Member, you'll pay nothing. This benefit of Panama Circle membership carries a value that far exceeds the conference registration fee. It could save you not only the US$1,595 cost of attending...but the incalculable cost of trying to find reliable and current answers on your own to the important questions you'll struggle with as you prepare to invest your time and your money in this country:
You'll find that one of the biggest benefits of attending one of our events is the personal connections you'll make...the friendships, with our speakers and with your fellow attendees. Come back again and again, if you want...to renew those relationships...and to make new ones. Come back again, too, to stay up-to-date with changes in Panama related to the foreign retiree...as well as to hear first of new opportunities for the foreign investor. And come back to share your own story. Once you've made the move, novitiate attendees will be eager to hear your firsthand tales of success! Over 10 years of membership in the Panama Circle, this membership benefit alone, considered at face value only, is worth over US$15,000 to you.  Benefit #2 Be Our Guest at All Panama Circle Meetings At least twice a year, including during our annual Live & Invest in Panama event, we'll plan special Panama Circle members-only get-togethers. This is your chance to mingle one-on-one with fellow Panama-philes, to make business connections, and to make Panama friends. Theme parties...keynote speakers...special opportunities...language lessons...dance lessons...cooking lessons...each get-together will be different...and a lot of fun. And they're private, for Panama Circle Members only. If we were to allow non-Panama Circle members to attend, the cost would be at least US$100. You, though, as a Panama Circle member, are welcome at every special Panama Circle event, as our guest. Over 10 years of membership in the Panama Circle, this membership benefit is worth at least US$2,000.  Benefit #3 Never Miss Out, Even When You Can't Join Us When you can't be in the room with us, don't worry. We'll bring the information, the recommendations, the insights, and the discoveries of every Live & Invest in Panama event, as well as materials from our special Panama get-togethers, to you. That is, we'll make sure you have access to PowerPoint presentations, notes, and reports from all Panama events. They'll be archived on your Panama Circle members-only website, where you'll be able to access them anytime you want...as often as you like. When we package and sell these kinds of events materials, the price will be US$200. Therefore, over 10 years of membership in the Panama Circle, this membership benefit is worth US$2,000.  Benefit #4 Private Consulting With Our Panama Team of Experts "Is there any way I could speak with you personally," wrote a reader recently. "I have questions about living in Panama that I'd like to have answered directly. Is this possible?" No problem, dear reader...when you're a member of our Panama Circle. As a member, you'll enjoy two hours of consulting time with our Panama Panel of Experts. All your residency, tax, business, investing, relocation, etc., questions answered, one-to-one, either in person or over the phone. You couldn't arrange this consulting time on your own. Our key Panama experts don't make a business selling their time by the hour. But they've agreed to make it available on a strictly limited basis for Panama Circle members only. Like every other benefit of membership (other than the US$3,000 voucher good toward your real estate purchase in Panama), this benefit continues over your lifetime. Spend two hours with our Panama attorney this year...then two hours with her again next year. Or perhaps an hour now with our real estate consultant and an hour with our relocation expert...then two hours next year with our tax specialist. Up to you how you use them...but, each year of your lifetime membership, you've got two hours to spend. If you could buy this kind of personalized attention, it'd cost you US$500 an hour. Over 10 years of membership in the Panama Circle, this benefit is worth US$10,000.  Benefit #5 Our Panama Bridge Kit This brand-new, fully up-to-date, complete, comprehensive, and unparallel resource will be yours hot off the virtual presses. You'll receive our Panama Bridge Kit...and you'll also receive every update and new edition we publish every year during your Panama Circle membership. I've been in this business a long time. And, over the years, one of the most-often-heard complaints from readers is that information we've published has become out-of-date. They're right, of course. What we publish today won't necessarily be true two months from now...or even next week. Panama, especially Panama City, is a fast-moving market. Real estate prices, legislation related to foreign residency, banking rules, tax code...these things are in constant flux. I tell you this: The information in our new Panama Bridge Kit will be correct and current the day we publish it. Beyond that, I can't make any guarantees...except this one: We'll update the Panama Kit regularly...and, every time we do, we'll send you the new edition. Panama Bridge Kit sells for US$97. Over 10 years of membership in the Panama Circle, this benefit is worth US$970...if we publish but one new edition of the kit each year. We'll do at least that.  Benefit #6 Panama in Real Time--The Panama Letter Our monthly Panama Letter service is Panama, warts and all, from on-the-ground experts, expats, and insiders. This is your direct line, in real time, to the real Panama. Each monthly issue of The Panama Letter features an in-depth report on another region of this country worth your attention. In addition, each report includes current news, recommendations, insights, and discoveries from the isthmus. This is Panama beyond the marketing hype and beyond the theory of Panama. This is the real-deal Panama, prepared each month by real Panama expats. Your Panama Letter issues will keep you current on changes in the country's residency legislation and visa programs, on developments in medical care and health insurance, on the economy, on the cost of living, on the real estate market, on tax incentives, on business opportunities... To get the most out of your investment of time and money in this country, you need current information, not cached reports from a search engine. You need to know the full story and to understand all the facts, straight, complete, and current... That's the promise we deliver on every month in each issue of The Panama Letter--the real Panama in real time. As a Panama Circle Member, you'll receive every issue.
 Benefit #8 Quarterly Teleconferences We want to keep you informed and connected every way we can...so, four times a year, we'll convene key Panama contacts for an hour-long teleconference. For each call, we'll identify a particular and timely topic, issue, or question, something of immediate relevance to you, the would-be retiree or investor in this country. We'll put the issue out to our panel...and you'll be privy to their thinking and their related recommendations as they talk it through. Has the property market in Panama's capital peaked? (Yes, in fact, this market has turned.) Where will prices go from here? (Down? How far?) Does it make any sense to buy now? Where? For how much? What about rentals? We'll consider all these questions at our next teleconference. On the line will be our key in-city experts, to help you understand and make sense of one of the most talked-about property markets on the planet. Participation in these special teleconferences will cost non-Panama Circle Members US$100. Over 10 years of membership in the Panama Circle, therefore, this benefit is worth US$4,000.  Benefit #9 Palanca...Thanks to Your Personal In-Panama Assistant What if you had your own personal Panama secretary? Someone on call to help you manage all things Panama-related? Travel, meetings, appointments, tours, shopping, shipping, accommodation, doctor referrals...someone to help you get around and get things done. As a Panama Circle Member, you've got all this and then some. Allow me to introduce my Panama assistant, Marion de Mena. A 30-year resident of this country, Marion, who hails originally from Germany, is efficient and reliable...resourceful and on the ball. More than that, though, here in Panama, Marion is connected. She's got pull. Without it, in this country, you get nowhere. In Spanish, it's palanca. As Marion explains, "You can be a Ph.D. You can be president of a company. These things mean nothing here...unless you have palanca." Marion's got it...and she knows how to use it. Now you can leverage it. Marion's standing by...and she'll do two things as soon as you become a Panama Circle Member. First, Marion will send you her direct personal telephone number, so you can reach her whenever you need her. Second, Marion will send you a copy of her personal, private electronic rolodex. Again, Marion is connected in this country. After 30 years living here, working here, doing business here, and raising a family here, Marion knows what's what...and, critically, who's who. Who do you need? A shipper? A builder? A dry cleaner? A driver? A plumber? A babysitter? Marion knows the best...and she has current contact details for them all in her personal rolodex, which she's agreed to share with Panama Circle Members. Current Panama Circle members cite Marion's personal support and assistance as perhaps the most valuable Panama Circle membership benefit of all. If Marion's time and incomparable support services were made generally available, we'd charge at least US$100 an hour. As a Panama Circle Member, again, you'll have unlimited access to Marion...at no extra charge. Over 10 years of membership in the Panama Circle, this benefit could be worth at least US$10,000.  Benefit #10 US$3,000 No, we're not going to send you cash. But, as I explained at the start of this letter, as soon as you become a Member of the Panama Circle, we are going to send you a voucher good for US$3,000 off your first real estate purchase in Panama. Frankly, I feel like I should stop here. What more can I say? If you've any interest in investing in a new life, a second home, a retirement escape, a fresh start, a rental property, or a beachfront parcel in this country...why wouldn't you jump at this opportunity? Why wouldn't you let us send you a voucher good for US$3,000 you can put toward that purchase? You can use your voucher immediately...or you can tuck it away until you're ready to act. Remember, your Panama Circle membership is good for your lifetime. As a Member, you've got a lot of years of benefits to look forward to. I don't know why you'd wait, though. As I've mentioned, I've been covering this beat a long time. When I started out, nearly 25 years ago, these live and invest overseas ideas were considered a bit fringy...and those of us who practiced them...well, "fringy" was sometimes the kindest way we were described. But today? Today these are ideas whose time has come. Perhaps never before in our lifetimes has it made as much sense as it does right now to think about expanding your horizons and seeking out better opportunities overseas. Better opportunities for living...for retiring...for doing business...for investing...for having the time of your life in a place where maybe you can make your life's fortune...current global financial fiascos notwithstanding... That's Panama in a nutshell. That's what this country has to offer you today. Better opportunities. To live well and comfortably in retirement or otherwise, even on a modest budget... To invest with big upside in some of the world's most beautiful beachfront, riverfront, and mountainside property... To have the adventure of your lifetime...in a country at one of the most important turning points in its history. This living and investing overseas thing isn't only about the money, you know. There's so much more to a new life overseas than a lower cost of living or a chance to buy real estate with an upside. Here in Panama, you can have it all. A comfortable, affordable retirement. An exciting new life. An entrepreneur's playground. A global property investor's dream. You can have it all right now...served up to you on a silver platter, thanks to my nearly quarter-century of experience covering this beat and the incomparable in-Panama network of contacts, insiders, and other resources I've been able to assemble in more than a dozen years spending time and doing business in this country. Take advantage of me...of them...of it all. Please. Leverage us. 
OK...Here's How the Voucher Works:
To recap, here's the complete Panama Circle membership program, in review:
Again, this final, take-you-by-the-shirt-collar-and-pull-you-up-straight-so-you'll-take-notice benefit of Panama Circle membership isn't cash. We aren't going to send you US$3,000. But we are going to send you that voucher I've been telling you about, good for US$3,000 toward your purchase of real estate in this tiny, beautiful country with such an enviable geographic situation.
Let's Do The Math Sincerely,  Kathleen Peddicord Publisher, Live and Invest Overseas Founder, The Panama Circle P.S. How can we do this? How can we possibly provide the level of support and service I'm promising in this letter? The truth is, as I've explained, we can do it for only a very limited number of members. This isn't marketing hype. This is a simple matter of: we don't want to let you down. I make every promise in this letter sincerely. And, from where I'm sitting as I write to you today, in this office overlooking the Bay of Panama, I know my team and I can deliver what I'm promising. With the help of my Panama team, I can exceed your expectations...as long as the "you" doesn't number too many. Here's the cap during this limited period of Open Membership: 20 new Members. |
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