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      Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

      • Spain
      • Portugal
      • Panama
      • Belize
      • Colombia
      • Cyprus
      • Mexico
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      • Montenegro
      • Browse All Countries

      Best For:

      • The Best Places To Retire
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      • Gun Laws In The World
      • English-Speaking Countries
      • Safest Places For Retirement
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    • Budgets

      How Much Will It Cost You To Live Overseas?

      The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
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      Luxury

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      • The Panama City Beaches
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      • Raising A Family Abroad
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      • International Real Estate
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      • Employment
      • Investing

      Follow Us:

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      Join our Weekly Newsletter
      Overseas Property Alert

      Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






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        Buying Real Estate For Cashflow

        • Discover tips and strategies used by global property investing veterans

        Explore Our Latest Posts

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        VALENCIA, SPAIN

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        PANAMA CITY, PANAMA

        Oct. 15-17, 2025

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        • Explore Our Store
        Your passport to a life well-lived abroad

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        overseas living letter offers affordable retirement guidance
        The Simon Letter Wealth Protection Insights
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        Home Countries Panama

        Post Holes, Progress, And Problems

        by Kathleen Peddicord
        Oct 28, 2024
        in Panama
        0 0
        los islotes, panama

        Live And Invest Overseas

        I thought back to how this had begun ten minutes earlier.

        Lief and I had just finished a conference call with the marketing team for our publishing business in Panama City when we heard Dalys call out, “Come quick, Señor Lief, Señora Kathleen!”

        I looked up to see her running down our front path. Dalys isn’t easily ruffled.

        I’d never seen her run anywhere before. She stopped at the twisted tree in our front yard, the one we call the spirit tree, where she could see me looking out.

        “There’s trouble at our gate. You need to come, please,” she shouted so I could hear through the closed window.

        She cut through the garden where our allamandas are in full bloom. I don’t have the heart to cut them, so they overgrow the path.

        Rising amidst the masses of yellow blossoms is the spirit tree. While the rest of the garden is thriving, the tree could be mistaken for dead. Its gnarled trunk is black with rot and every limb is leafless.

        Dalys had my attention, but I couldn’t help searching the tree for proof of life as I do every time I look at it. I counted three small sprigs of green, same as yesterday.

        The tree will resurrect, I reassured myself. It always does.

        Lief and I jumped up from our laptops to respond to Dalys’ cry for help, but we weren’t surprised by it. Nearly a decade-and-a-half into our adventures at Los Islotes, we take trouble for granted.

        We’ve come to this Veraguas coast to create a resort. We’ve cut roads, dug wells, brought in electricity, and installed fiber-optic internet.

        Now we want to build a beautiful gate that announces our intentions and showcases the beauty of this place, welcoming people and inviting them to join our community.

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        Smoothing The Path Of Progress

        Our Los Islotes master plan calls for a grand arch with a bell tower and, between the arch and the gate, a wall and a fence. The problem is that Roberta insists that the land where we intend to build our entrance is hers even though we have the title document to prove it’s not.

        I’ve sometimes wondered whether, in the interest of keeping the peace, we could do without the fence in front of Roberta’s house. Then I’ve reminded myself that this is our land. Why shouldn’t we build a fence on it?

        With Dalys as our emissary, we have been trying to reason with Roberta for months. Dalys has stopped by Roberta’s house every day for two weeks to remind her of our plan. It’s our land. We want to improve it with a fence. Roberta responds every time simply to say no. She will not allow a fence.

        She’s been certain we wouldn’t defy her. No one in these parts goes against Roberta. They call her bruja. We aren’t from these parts, and where we come from people don’t believe in witches.

        I’ve encouraged Lief to give Roberta the benefit of the doubt.

        We’re the invaders. We could have landed here from Mars. That’s how much we have in common with the people of this Veraguas coast. They don’t think they can trust us. They don’t understand that we’re well intentioned. They’re afraid to let us in.

        All they know is that we’re making big changes in a place that has remained largely unaffected by outsiders since the Spanish landed on these shores five centuries ago.

        We’ve assured Roberta that we want to be good neighbors. We’ve offered to send crew and equipment to create a new path to her place from the public road, but the more we’ve cajoled, the angrier Roberta has grown.

        Finally, this morning, as Dalys had promised her they would, our guys appeared in the road in front of Roberta’s place to dig more post holes. That’s when the trouble began.

        Dalys had driven us down the hill from our house in a hurry. Just before we reached the gate, I’d asked her to pull off to the side, behind our front wall. Lief and I wanted to take in the scene. I’d hoped Roberta wouldn’t notice us. Now that we knew she knew we were watching, I felt cowardly. We needed to act.

        Roberta turned again to face our men and raised her machete over her head as though to charge them.

        “Dalys is right, Lief,” I said. “We’ve got to stop this. Dalys, let’s have these guys join the crew working on the stables. Then would you please drive out to the justice of the peace’s office to file a complaint against Roberta? While you’re there, make another report with the police, too.”

        The current situation was dramatic, but it was hardly the first time Roberta had interfered with our work. Dalys had met with local law enforcement many times. They just brush her off. Still, we wanted each incident on record.

        “Sounds good,” Dalys said as she opened her door.

        Wait.

        What?

        I nearly called out to object but stopped myself. I hadn’t imagined Dalys would walk over to our men. I was thinking she’d drive us to them so we could manage their exodus from the safety of the truck. I was surprised but shouldn’t have been.

        Dalys has lived her whole life in Quebro. She knows the Roberta stories. But, unlike our crew, she isn’t afraid of the woman. I worried that maybe she should be as she walked calmly through our gate, past Roberta and her machete, and over to our guys.

        I watched her give instructions to our men then help them collect their tools. All the while, Roberta kept her machete straight out in front of her, pointing it hard at Dalys and our crew as they walked away.

        Every man, woman, and child up and down this coast would hear tell of this confrontation by lunchtime. Most of them don’t have indoor plumbing, but they’ve all got WhatsApp on their cell phones. The twenty-first century’s coconut telegraph. So be it, I thought.

        As Dalys turned the truck around, the doubts that’d become my constant companions bubbled to the surface. I could never keep them down for long.

        Maybe we don’t belong here, and maybe our development plan is misguided. But we’re too invested emotionally and financially to pull out now. And, if we did, it wouldn’t be long before another developer took our place, and their agendas wouldn’t be as well-meaning as ours, I’d guarantee it.

        The world is finding its way to Veraguas. As publisher of a magazine for Americans interested in living and investing overseas, I’ve watched what passes for progress along coasts and valleys across these Americas for decades. The after is rarely better than the before.

        I think our vision for how the inevitable modern-day invasion of Veraguas plays out is its best hope.

        If Roberta doesn’t murder someone first…

        Until next time,

        Kathleen Peddicord signature

        Kathleen Peddicord

        Founding Publisher, Overseas Opportunity Letter

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        Tags: 'Beachfront In Panama''buying property overseas''Los Islotes'
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        Kathleen Peddicord

        Kathleen Peddicord

        Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

        Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

        Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

        Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

        Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

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              HOME

              Top Countries

              • Spain
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              Best For:

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              BROWSE ALL COUNTRIES

              Budgets

              How Much Will It Cost
              To Live Overseas?

              Super Cheap

              • Chitré, Panama
              • Santa Marta, Colombia
              • Phuket, Thailand
              • Dumaguete, The Philippines

              Cheap

              • Medellin, Colombia
              • Boquete, Panama
              • Kyrenia, Cyprus
              • Hua Hin, Thailand
              • The Algarve, Portugal

              Affordable

              • Valencia, Spain
              • Cascais, Portugal
              • Las Terrenas, The DR
              • Pisa, Italy
              • La Rochelle, France
              • Mazatlán, Mexico

              Luxury

              • Ambergris Caye, Belize
              • Kotor, Montenegro
              • The Panama City Beaches
              • Paris, France

              Resources

              Global Living

              • Living & Retiring Overseas
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