Join us in Panama for one of our annual Live And 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 #1 Do-Everything Haven. 

Attendees at our annual Live And Invest In Panama Conference will pay as much as $1,595 to be in the room over the three days of this high-caliber event. 

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. Furthermore, feel free to bring a guest.

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

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 (and bring a guest each time).

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 $15,000 to you.

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 $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 $5,950.

When you do make it down to Panama to see this beautiful country for yourself, we’d like you to enjoy some of the best it has to offer with our compliments, as the guest of some of our friends here.

Specifically, as a Panama Circle member, you are invited to stay free for up to four nights at this top retreat.

Use this as your base to explore different regions of Panama… while relaxing in style and savoring the Panamanian pace of life.

In addition to offering guest accommodations, this resort is a private development with opportunities for part- and full-time living. In some cases, expats and retirees are already in residence, meaning you could have the chance to meet with others just like you who have already settled here and launched their Panama adventures. Maybe you’ll even decide you’d like to come back to this beautiful setting as a resident yourself… (If so, be sure to avail of your special Panama Circle real estate purchase benefit—see Benefit #11 below!)

Again, as a Panama Circle member, you qualify for complimentary stays of four nights at this top resort. Taking into consideration the daily rate at this development, this benefit alone is worth a total of $1,000…

This is our first time negotiating and offering this kind of an accommodation benefit in any country—and I hope you’re as excited as I am that we’ve been able to make this part of our new Panama Circle benefits package.

This includes the live, high-definition video access during the event, but also all PowerPoint presentations, notes, and reports—plus on-demand recorded access that you can view at any time.

It’s everything you’d get at the live event. You’ll just have to bring your own coffee and cocktails…

The cost of these livestreams is $595 per event. Over 10 years of membership in Panama Circle, this membership benefit is worth $5,950… 

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.

Spend two hours with our Panama attorney or perhaps an hour with our real estate consultant and an hour with our relocation expert or two hours with our tax specialist. Up to you how you use them… but you’ve got two hours to spend.

If you could buy this kind of personalized attention, it’d cost you $500 an hour.

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 Starter 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.

The Panama Starter Kit sells for $97. Over 10 years of membership in the Panama Circle, this benefit is worth $970…if we publish but one new edition of the kit each year. We’ll do at least that.

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…

With so much on the table, the idea of Panama can become overwhelming… and, at times, misleading…

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

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

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

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…

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

That’s the promise we deliver on every month in each issue of Panama Letter—the real Panama in real time.

As a Panama Circle Member, you’ll receive every issue.

This electronic subscription service sells for $118 per year. Over 10 years of membership in the Panama Circle, this benefit is worth $1,180.

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 your full team of assistants, based out of our Live And Invest Overseas headquarters in the heart of Panama City—they’re all fluent in Spanish and English.

More than that, though, here in Panama, this set of locals and expats are connected. They’ve got pull. Without it, in this country, you get nowhere.

In Spanish, it’s palanca. As one of oldest residents explains, “You can be a Ph.D. You can be president of a company. These things mean nothing here… unless you have palanca.”

We’ve got it… and we know how to use it. Now you can leverage it, too.

The entire team is standing by… and we’ll do two things as soon as you become a Panama Circle Member…

First, we will send you a direct contact, so you can reach us whenever you need to do so.

Second, we’ll send you a copy of our personal, private electronic rolodex.

Who do you need? A shipper? A builder? A dry cleaner? A driver? A plumber? A babysitter? We know the best… and we have current contact details for them all in this rolodex.

Current Panama Circle members cite our personal support and assistance as perhaps the most valuable Panama Circle membership benefit of all.

If my team’s time and incomparable support services were made generally available, we’d charge at least $100 an hour. As a Panama Circle Member, again, you’ll have unlimited access… at no extra charge. Over 10 years of membership in the Panama Circle, this benefit could be worth at least $10,000.

Arranging health insurance in your new country of residence can be one of the most important and confusing issues you’ll face as you prepare for your new life overseas. The options are many.

What’s best for you? We can’t say, of course. However, I can tell you that the international health insurance Lief and I have chosen to carry since we left the States two decades ago is with ISA International.

Why ISA? We consider it the best international health insurance available. Among its benefits, ISA provides:

In addition, ISA’s rates are very competitive relative to other international insurance options. In fact, your ISA International coverage could, depending on your age and country of residence, cost less than Medicare. And, unlike Medicare, your ISA policy will follow you wherever you travel. You can even arrange a policy (yes, at a greater cost) that will cover you not only in Panama but in the United States, as well (ideal if you’re considering dividing your time between the two countries and establishing a part-time presence in Panama).

As I said, we’ve been sold on ISA International since we left the States. And the more research we’ve done, the more convinced we’ve become that this is the gold standard for international health insurance.

Now, thanks to the Live and Invest Overseas Group Policy we’ve negotiated with ISA International, all Panama Circle members will enjoy a 10% discount off the cost of their ISA coverage.

Your cost of coverage will depend on your age, your country of residence, and your personal health circumstances. An average premium cost for someone aged 65 or older can be $2,500 per year, meaning your member discount would be $250 per year—or a total savings of $2,500 over 10 years of your membership…

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 up to $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, over 30 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:

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 email. Included in this electronic Welcome Package will be a file containing your 1% up to $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 1% up to $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 1% up to $3,000 voucher… and we rebate you up to $3,000 for the purchase.

But we are going to send you that voucher I’ve been telling you about, good for up to $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 $8,051 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 $42,746, 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 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.

To recap one more time, the total lifetime value of the benefits of being a member of our Panama Circle is $38,777.

The value to you in your first year of membership alone is $7,637.

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 $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.

And, in addition, right now, during this period of Open Membership, we’re also making it possible for you to become a member without paying the full membership fee up front, all at once.

Today you can arrange lifetime membership in our private Panama Circle for only $1,800 down and 12 monthly payments of $250. After those 12 months, 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.

Or, pay in full and enjoy a discount of a full $300 (You’ll pay only $4,500 when you purchase membership in a single payment!).

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
Founding Publisher, Live and Invest Overseas
Founder, 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 located in the heart of Panama City, 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: 10 new Members.

P.P.S. The Panama Circle is Panama fully figured out and turnkey. And remember, these “Panama in a Box” benefits of the Panama Circle are lifetime:

This is everything you need to make every Panama daydream you have come true. What are you waiting for? Join today!