Here's US$3,000 To Help Launch
Your New Life In Panama

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 grown more than 8% a year for the past five...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.

"What attracted me to Panama? It has a great metropolitan city, good business opportunities, a relatively low cost of living, and it is near to the United States and easy to get to. The country is friendly to foreigners. I enjoy the culture and the food. It's a place I know I want to spend time long-term." -- Randy T., United States

Tax, banking, business, and investment advantages...and beautiful, too. Panama boasts an abundance of coastline and a mountainous interior of waterfalls and coffee plantations...unspoiled, even uninhabited islands fringed by powder-sand beaches...and expanses of forests, jungle, and parkland home to more species of birds and plants than many of the country's neighbors more famous for their eco-tourist offerings.

This, then, is the dual personality of this little country that holds such an important geographic position.

On the one hand, Panama is the most advanced nation in the region, the hub of the Americas, and one of the world's biggest trading zones, thanks to geography and the Canal.

On the other hand, Panama beyond its capital remains a largely undeveloped tropical paradise with a rich history and a vibrant culture.
These are exciting times in Panama. It's been nearly 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.
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 last year 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... We're tightening our belts just like everyone else these days...and this is a very affordable place to call home. We're enjoying little luxuries we couldn't afford elsewhere (full-time household help, for example)...and still living within Lief's budget... We travel a lot...and this is the top travel hub in the Americas...the most efficient point from which to move around, not only the region but the world beyond, as well...

"As Kathleen writes, trying to establish yourself in a new country, you need a liaison. As a Member of the Panama Circle, I have found that I have not just one liaison, but a team of experts at my disposal, every one of them a simple e-mail away. It's all, I repeat, all as Kathleen and her able crew said it would be." -- Rich G., United States

We need regular, reliable, high-speed Internet...and, here in Panama City, that's no problem...

We appreciate the Old World and enjoy the colonial history of this region, nowhere better represented than in Panama City's Casco Viejo...

We have an 8-year-old son...and Panama City offers top-notch international schooling options (including a French school, where Jackson is enrolled)...

Lief and I are both starting new businesses...and Panama is an efficient, affordable, straightforward place for the would-be entrepreneur to pursue opportunity...

Furthermore, Panama City is home to an impressive (and, again, affordable) international yet English-speaking labor pool...

We don't like to pay taxes...and this is a jurisdiction where, depending on your circumstances, you can organize your affairs so you pay no tax locally...

We appreciate (and require) the infrastructure and services of a big city, but we like country living, too...

Furthermore, our long-term plan is a big house at the beach where all the family can gather for holidays and getaways...a place where we're sure the kids and their friends...and, eventually, their kids...will want to return to as much and as often as we do...

In Panama, we've got the best of city, country, and beach life, all within a few hours drive...
 

"My Panama Circle Membership has provided me introductions and access to a network of helpful and trusted professionals with lots of good experience in Panama. It is good way to meet people who may become valued business advisors, partners, and friends. This is what's most valuable to me--the experience and knowledge of the staff and their helpful support and advice. Plus, the events and tours, the opportunities for networking with other Members." -- Alan S., United States

 
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 have 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 haven't named Panama as the #1 place to retire in 2009...

They've 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: "We fell in love with El Valle the moment we set foot here. "We'd visited the usual spots: Panama City, Boquete, Vulcan Baru, and Santa Fe," Cynthia goes on to explain. "But there was just something magical about this place, and we connected with it immediately.

"As a businessperson, entrepreneur, and retiree, I can say that I've more than gotten what I paid for with the Panama Circle Membership. The yearly two-hour expert conference alone is worth the cost of Membership." -- Rich G., United States

"When our pensionado visas were ready, we further explored the area looking for property to buy. We found it just outside town and bought on the spot.

"We bought the land in El Valle, returned home to Colorado, finished remodeling our house, sold it and most of our belongings, and moved here with our two cats. With the exception of our mover, everything went smoothly.

"Today, nearly a year later, we are known in the community by both Gringos and Panamanians alike, and yes, we feel accepted...We feel so fortunate to be here..."

How do you get from where you are today...to "here"?

How do you join Cynthia and Fred...Lief and me...and the thousands of other people just like you who have already made the move and who are already enjoying the myriad benefits Panama has to offer?

Live, retire, invest, do business in Panama, the world's #1 retirement, business, and offshore haven, we say.

But...but...how...maybe you can't help but wonder...

How do you get started?

I made some big promises at the start of this letter. And those promises are the answer.
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:

• Receive a voucher good for US$3,000 toward your first Panama real estate purchase...
   
• Position yourself among the savviest group of Panama expats, investors, businesspeople, retirees, colleagues, contributors, friends, associates, resources, and contacts ever assembled...
   
• Guarantee yourself all the support you'll need to make every one of your Panama dreams come true--from VIP conference invitations to private one-on-one consultations with our experts...from members-only teleconferences to invitation-only special events in-country...from privately circulated opportunity alerts to special market reports and White Papers...from five-star concierge service to Panama Circle member discounts...

What's more, the US$3,000 voucher good toward real estate purchase in this country is a one-time benefit...but all the other benefits, invitations, discounts, perks, advantages, and privileges of Panama Circle membership continue for your lifetime.

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.
 

"Most valuable aspect of my Panama Circle Membership? Without a doubt, it's been the very personal assistance from Marion de Mena, the Members Liaison. Marion has provided wonderful support. She has come up with an answer to every single question I've put to her. She is an invaluable resource, so well-connected in this country." -- Elmore S., United States

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. A year-and-a-half 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.

"Mike and I would like to take this opportunity to thank you so very much for the recent Live and Invest in Panama Conference. Our minds are still reeling with all of the information presented to us. All of the presenters were very knowledgeable in their respective fields, and we so enjoyed talking with other expats-in-waiting. Mike and I live in the snowy part of Washington State. Last winter was very snowy and cold. Needless to say, we would rather be in Panama instead! "After the Conference, we spent a little (and by that I mean too little!) time visiting areas around Panama City and El Valle. Although our Spanish is at best rudimentary, we were able to talk with people. We ate wonderful food, saw incredible sights, and were able to appreciate a bit of this beautiful country. "Thanks again for all of your hard work in putting together the Conference. For anyone considering a move to Panama, your event should be on their 'must-do' list." -- Diane D., United States

 
 
Attendees at our annual Live & Invest in Panama conference will pay as much as US$1,500 to be in the room over the three days of this high-caliber event. As a Panama Circle Member, you'll pay nothing.

Not the first year you attend...and not any year you choose to attend thereafter. If you're in the Circle, you're welcome as our guest...every year.

This benefit of Panama Circle membership carries a value that far exceeds the conference registration fee. It could save you not only the US$1,500 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:

• How do you open a bank account...and which bank should you choose? Panama is an international banking center, but, the truth is, it's harder and harder all the time for a foreign resident to open a bank account, not only in Panama, but anywhere in the world. You need advice, and you may even need a referral and a personal introduction. That's what our Panama team can provide.
   
• What kind of visa should you choose? Panama offers the would-be foreign resident many options...which is great...but confusing, as well. Which visa choice is best for you? Visa experts with many years experience helping foreigners wade through the residency visa process will detail all the options...then help you decide which is the best one for you.
   
• What kind of health insurance should you buy? Again, our experts have years of experience helping foreign residents, just like you, make the best choice.
   
• Should you ship your personal belongings? Your car? Your pet? What import duties will you be liable for?
   
• Should you buy or rent? (Hint: Always rent first.)
   
• Internet, cable, telephone...household help, a gardener, a driver...volunteer organizations, expat groups...business opportunities and potential business partners...language lessons...a driver's license...

Join us as we address all these issues and every other that you'll face as a foreign resident or investor in this country. Spend three days in Panama City with our team of experts your first year of Panama Circle membership...and every year thereafter if you like.

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 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 Live & Invest In Panama 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 Live & Invest In Panama 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 Live & Invest In Panama 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.

Live & Invest In Panama Kit sells for US$79. Over 10 years of membership in the Panama Circle, this benefit is worth US$790...if we publish but one new edition of the kit each year. We'll do at least that.


Benefit #6

Panama in Real Time

Between Live & Invest In Panama Kit editions, we'll keep you connected on the ground in this country with our Panama in Real Time alert service.

I say again: This is a fast-moving market. Blink...and there's a new high-rise condo tower on the horizon. Turn your back, and a new highway is under construction. Just last month, the avenida Balboa expansion project was completed and, as a result, downtown Panama City, frankly, has been transformed.

The property tax exemption law has been extended...then it hasn't...then, ah, yes, in fact, it has...

Pensionado requirements have been adjusted...requirements for new construction permits have been amended...

Panama is rebuilding itself before your eyes, retooling for the next decade-plus of growth and expansion. What's true right now may not be true tomorrow. You can't afford to wait for the next edition of Live & Invest In Panama Kit to understand the current particulars of applying for a pensionado visa!

You need real-time information. That's what our Panama in Real Time alerts are all about. We're here...you're not. But, with the help of our Panama in Real Time alerts, you'll be informed and up-to-date as though you were.

If it's happening in Panama, you'll hear about it first...in our Panama in Real Time alerts.

In addition to market news and changes, our Panama in Real Time alert service will also make sure you know first about the best real estate buys and investment opportunities that cross our desks.

Sometimes, in a fast-emerging market like this one, less is more. When it comes to property opportunities, for example, you don't necessarily want to know about all of them.

You want to know about the best of them.

You need a filter. You need to know what to pay attention to and what to dismiss out-of-hand...you need to be able to make the distinction, quickly, between a deal of a lifetime...and a developer in search of the next greater fool. You want to get in early, of course, because getting in early means the best pricing and the best selection...but you don't want to get taken to the cleaners because you jumped too soon.

Here in our office in Paitilla, in the heart of this boomtown, we hear about more "great deals" than we could shake our proverbial sticks at. Most are a waste of time. But when we find one that isn't, you'll hear about it in real time...through our Panama in Real Time alert service.

This service sells for US$89 per year. Over 10 years of membership in the Panama Circle, this benefit is worth US$890.


Benefit #7

Panama: the White Papers

Three reports, prepared especially for Panama Circle Members, will be dispatched to you as soon as you join their ranks:

• Panama White Paper #1: The World's Best Offshore Haven--How to Take Advantage of Panama's Business, Banking, and Tax Advantages
   
• Panama White Paper #2: Sunsets and Surfing--Where and Why to Put Your Money Into Panama Property in 2009
   
• Panama White Paper #3: The World's Best Residency Option, Even If You're Not a Retiree

These White Papers sell for US$59 apiece. Total value to you is US$177.


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.
 


 

"Kathleen, I want to compliment you on the work that you are doing. What I admire is your honest, tell-it-like-it-is approach. A lot of people have been hurt by the glowing reports about offshore living from various sources. I am sure that your honest, direct approach will be a real service." -- Arlean K., United States

 

OK...Here's How the Voucher Works:

1. You respond to this special invitation and apply to become a Member of the Panama Circle.
    
2. Our staff here in our Panama City office reviews your application for membership, approves it, and registers your name and other details in our Membership Log.
    
3. We send you your initial "Welcome!" materials by e-mail. Included in this electronic Welcome Package will be a file containing your US$3,000 voucher. You're free to print out the voucher, along with all the other electronic materials you receive.
    
4. Meantime, we'll also dispatch to you, by regular mail, your formal Welcome Package, containing a print copy of your US$3,000 voucher, along with all other materials, bits, and pieces promised you in this letter...plus a few little surprises, as well.
    
5. You go shopping. When you're ready to purchase a piece of Panama real estate with the help of our in-Panama real estate support team, you present your US$3,000 voucher...and take US$3,000 off the purchase price.

To recap, here's the complete Panama Circle membership program, in review:

• Benefit #1: Free Attendance Every Year at Our Annual Live & Invest in Panama Conference
  • Lifetime Value: US$15,000

• Benefit #2: An Open Invitation to All Panama Circle Members-only Meetings
  • Lifetime Value: US$2,000

• Benefit #3: Electronic and Website Access to All Conference Materials
  • Lifetime Value: US$2,000

• Benefit #4: Private Consulting With Our Panama Team of Experts, Two Hours Per Year
  • Lifetime Value: US$10,000

• Benefit #5: Our New Live & Invest In Panama Kit...and Every New Edition We Publish Over the Lifetime of Your Membership
  • Lifetime Value: US$790

• Benefit #6: Panama in Real Time Alert Service
  • Lifetime Value: US$890

• Benefit #7: Panama: The White Papers
  • Lifetime Value: US$177

• Benefit #8: Quarterly Panama Teleconferences
  • Lifetime Value: US$4,000

• Benefit #9: Palanca...That Is, Your Personal Panama Assistant
  • Lifetime Value: US$10,000

• Benefit #10: US$3,000
  • Lifetime Value: US$3,000

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
 

Taking tally of everything detailed above, the total value of Panama Circle membership to you is US$7,645 in your first year of membership alone. However, remember, this is a lifetime offer. We're here to help you realize your Panama dreams today...tomorrow...and for years to come. Over 10 years of membership, your Panama Circle benefits are worth US$47,857, based on my conservative estimates here of their value and of your use of them. In truth, the value could be (and we believe will be) far greater. Furthermore, this valuation doesn't include any new benefits added over time. Our new Panama Circle is an ever-evolving proposition. The list of benefits you're reading about here is only the start. We'll add to this list regularly...and, every time we do, existing members, of course, will be invited to take advantage of every new product, service, discount, and perk, right along with new members. You're in this for the long haul, and so are we. We're in a unique position to be able to identify and then to be able to provide and fulfill any and every service and support system you could need as you continue to explore and chase your Panama dreams. For we're here...in the heart of Panama City...living and doing business in this exciting town ourselves every day. We understand the goals you might have related to this place...and we see the opportunities that you might want to pursue...because we share many of those same goals and we ourselves are right now pursuing those same opportunities.

"Kathleen, I started with you back in 1984, and I wish I had been able to act on your suggestions back then. I did buy in Costa Rica in 1988, and that was good.  "I so enjoy all your materials, as I believe in your truthfulness about places to look at and buy. I also remember your little stock suggestions, and you were always on target.  "Thank you for all your hard work. You have made a lot of people dream and a lot of dreams come true. I enjoy all the e-dispatches from all your staff all over the world. I am always telling people about you and how you started your publications years ago. In fact, I just today told my banker about how honest and smart you are, letting us know where to go. Wish I had listened to you more years ago..." -- Marlene M., United States

To recap one more time, the total lifetime value of the benefits of being a member of our Panama Circle is US$47,857.

The value to you in your first year of membership alone is US$7,645.

However, right now, we're extending an opportunity for you to become a Panama Circle Member for a cost so small...well, you may wonder how we can afford to do this. Membership in our private Panama Circle costs only US$4,800. That's little more than half the value of the membership benefits to you in your first year of membership alone...and only one-tenth the value of Panama Circle membership over 10 years.

However, again, during this special and very limited period of Open Membership, you can enroll as a Panama Circle Member for only US$3,895. That's nearly a full US$1,000 savings off the regular cost of enrollment.

One more time, right now, during this limited period of Open Membership, you can arrange lifetime membership in our private Panama Circle for a one-time payment of US$3,895. That's all you'll ever pay...to enjoy not only every single benefit I've detailed for you here in this letter...but also every single product, service, discount, and perk we add to the roster of benefits in the months and years to come...except for the nominal annual maintenance fee of US$69.

Lief and I could be anywhere at this point in our lives. We've chosen to be here in Panama, because the benefits and the advantages are irresistible.

We'd love for you to join us. And we're prepared to do everything we can...to bring all our resources to bear and to provide all the in-country, on-the-ground, insider support you could ever hope for.

Come...realize your Panama dreams.

It's easy. When you're a Panama Circle Member.
 


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 apartment 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.

Open Membership continues through July 31...or until we've welcomed 20 new Members. After July 31, we'll have to close membership. For this reason, this may be your only opportunity in 2009 to become a Panama Circle Member.

Apply for Panama Circle Membership now by clicking on the button below. Or contact us with your questions about the benefits of Panama Circle Membership at: CustomerService@PanamaCircle.com.