Live and Invest Overseas
Panama: The #1 Retirement Haven In The Americas FREE Report

FREE REPORT: LIVE AND INVEST IN PANAMA






    We Value Your Privacy! We will not share your email address with anyone else, period.
    • Home
    • Countries

      Top Destinations:

      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
      • France
      • Montenegro
      • Browse All Countries

      Best For:

      • The Best Places To Retire
      • Health Care Abroad
      • Cost Of Living
      • Investing in Real Estate
      • Establishing Residency
      • Gun Laws In The World
      • English-Speaking Countries
      • Safest Places For Retirement
      • Best Places In Latin America
    • 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
      • La Rochelle, France
      • Mazatlán, Mexico

      Luxury

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

      Global Living

      • Living & Retiring Overseas
      • Raising A Family Abroad
      • Foreign Residency & Citizenship
      • Offshore & Diversification

      Making Money

      • International Real Estate
      • Banking
      • Employment
      • Investing

      Follow Us:

      • Meet Our Experts
    • Real Estate

      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.






        We Value Your Privacy! We will not share your email address with anyone else, period.

        Buying Real Estate For Cashflow

        • Discover tips and strategies used by global property investing veterans

        Explore Our Latest Posts

        • Learn how to invest and purchase property abroad…

        Go To The Overseas Property Alert Site

        • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
      • Conferences

        Upcoming Events

        • Explore Our Events Site

        Live and Invest In Spain Conference

        Offshore Wealth Summit

        Greece Workshop

        VALENCIA, SPAIN

        Sep. 17-19, 2025

        PANAMA CITY, PANAMA

        Oct. 15-17, 2025

        VIRTUAL

        Nov. 13, 2025

        LEARN MORE
        DISCOUNT
        LEARN MORE
        PRE-REGISTER
        LEARN MORE
        PRE-REGISTER
        • MORE EVENTS

        Contact Our Events Team

        Toll-Free U.S. and Canada:
        1 (888) 627 8834
        From Outside North America:
        1 (443) 599 1221
        Working Hours
        Monday – Friday 08:00 am – 17:00 pm EST.

        Reach us with your questions by email at: events@liveandinvestoverseas.com

      • Store

        Unlock The World

        • Access Your Library

        Overseas Havens Reports

        • Expats' comprehensive destination guides

        Conference Kits

        • Hours of coverage  from our latests conferences

        Lahardan Books

        • Titles on living and investing around the world
        • Explore Our Store
        Your passport to a life well-lived abroad

        Services

        overseas living letter offers affordable retirement guidance
        The Simon Letter Wealth Protection Insights
        Global Property Advisor Global Investment Opportunities

        Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

      • My Library
      Live and Invest Overseas
      • Home
      • Countries

        Top Destinations:

        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
        • France
        • Montenegro
        • Browse All Countries

        Best For:

        • The Best Places To Retire
        • Health Care Abroad
        • Cost Of Living
        • Investing in Real Estate
        • Establishing Residency
        • Gun Laws In The World
        • English-Speaking Countries
        • Safest Places For Retirement
        • Best Places In Latin America
      • 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
        • La Rochelle, France
        • Mazatlán, Mexico

        Luxury

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

        Global Living

        • Living & Retiring Overseas
        • Raising A Family Abroad
        • Foreign Residency & Citizenship
        • Offshore & Diversification

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        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.






          We Value Your Privacy! We will not share your email address with anyone else, period.

          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

          Explore Our Latest Posts

          • Learn how to invest and purchase property abroad…

          Go To The Overseas Property Alert Site

          • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
        • Conferences

          Upcoming Events

          • Explore Our Events Site

          Live and Invest In Spain Conference

          Offshore Wealth Summit

          Greece Workshop

          VALENCIA, SPAIN

          Sep. 17-19, 2025

          PANAMA CITY, PANAMA

          Oct. 15-17, 2025

          VIRTUAL

          Nov. 13, 2025

          LEARN MORE
          DISCOUNT
          LEARN MORE
          PRE-REGISTER
          LEARN MORE
          PRE-REGISTER
          • MORE EVENTS

          Contact Our Events Team

          Toll-Free U.S. and Canada:
          1 (888) 627 8834
          From Outside North America:
          1 (443) 599 1221
          Working Hours
          Monday – Friday 08:00 am – 17:00 pm EST.

          Reach us with your questions by email at: events@liveandinvestoverseas.com

        • Store

          Unlock The World

          • Access Your Library

          Overseas Havens Reports

          • Expats' comprehensive destination guides

          Conference Kits

          • Hours of coverage  from our latests conferences

          Lahardan Books

          • Titles on living and investing around the world
          • Explore Our Store
          Your passport to a life well-lived abroad

          Services

          overseas living letter offers affordable retirement guidance
          The Simon Letter Wealth Protection Insights
          Global Property Advisor Global Investment Opportunities

          Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

        • My Library
        Live and Invest Overseas
         Free Panama Guide

        LIVE AND INVEST IN PANAMA

        view of the skyline in Panama City, Panama,

        WORLD’S #1 RETIREMENT HAVEN
        IN THE AMERICAS

        Simply sign up to receive the FREE daily e-letter, Overseas Opportunity Letter plus our In Focus: Panama newsletter and we’ll immediately email you our editors’ latest research report… absolutely FREE






          We Value Your Privacy! We will not share your email address with anyone else, period.

          Home Countries Panama

          Chiriquí, Panama: Hawaii at Half the Price

          by Rebecca Teeters
          Jun 30, 2025
          in Panama
          0 0
          Sunset landscape in Cerro Punta, Chiriquí, Panama

          Sunset in Cerro Punta, Chiriquí, Panama / AdobeStock @Sam

          Gary and Elva Bittner have taken the world by storm. Or at least by plane, sailboat, and car.

          Elva is originally from Cuba and Gary from Michigan, but they found love and the travel bug while living in Florida together… and were ultimately destined for places more exotic.

          With just a few years left before retirement and a job in sales that allowed them to travel frequently, the Bittners took advantage of their circumstances exploring Tahiti, Costa Rica, the Caribbean, and beyond.

          Former owners of a sailboat, the couple were originally seeking island life, or at least coastal living.  

          On an excursion to Costa Rica, Elva, with her fluent Spanish, started a conversation with a bus driver, which led the couple on an amazing journey that eventually ended in Chiriquí, Panama…

          After Elva’s new friend shared a bit about this part of Panama with them, they thought it sounded like a place they’d love.

          In 2004, they made their first journey to Panama and, indeed, there was a lot to love here for them.

          After their first visit, a friend in Florida advised the couple to check out the province of Chiriquí in the northwest portion of the country. This brief conversation was all they needed to hear Panama calling them back…

          It took several years, a couple dozen beaches, and close to a hundred different locations in Panama, but, eventually, the small seed of a stranger’s suggestion grew into a dream come true.

          When it came to narrowing down the locations, “It had to be a river or beach,” says Gary. After all their travels, all their dreams of owning an island, this couple found true paradise in a small town just off the Pan-American Highway.

          In 2008, the couple made the move.

          “Panama reminded of us Florida, not too hot and not too cold—but it’s not nearly as expensive or crowded,” says Gary.

          The couple first lived close to bustling downtown La Concepción before ultimately moving to a more rural riverside property.

          The Panama dream home the couple built sits at 1,350 feet above sea level, “We get the breeze down the mountain from the Caribbean and from across the Pacific, sometimes at the same time,” Gary explains as the fan on the veranda swirls above with no electricity.

          The property borders the crystal-clear Río Mula and the couple enjoy a secluded swimming hole next to their house.

          Get Your Free Panama Report Today!
          Simply enter your email address below and we'll send you our FREE REPORT – Live And Invest In Panama: The #1 Retirement Haven In The Americas.
          We Value Your Privacy! We will not share your email address with anyone else, period.

          Not only is the breeze impressive and refreshing out of downtown, so is the soil. Elva shared a phrase they live by: “If you drop a seed, it will grow.” Evident by the lush landscape of their garden…

          “Everything grows here,” they explain, and you can see it for yourself. Their garden boasts vanilla, yucca, mango, pineapple, hot peppers, regular peppers, and medicinal plants and herbs.

          Between the moderate climate of La Concepción and the meticulous care the Bittners have given their property, you could just as easily be in Hawaii— without the cost.

          “We have wonderful neighbors and great friends in the area, both locals and expats,” they tell me. This is a testament to both their outgoing personalities and the friendliness of the people in the area.

          “When Elva is not in town, I make do… sometimes it takes a little longer to get what I want, but I can buy what I need, eat what I want, and go to the bank,” explains Gary, who is not fluent in Spanish.

          Among the Bittners many friends are the local policeman, the butcher, the vegetable lady, and the fish vendor who they catch up with regularly at the municipal market.

          “The veggies are at least half price compared to the local stores, and everything is so fresh!” says Elva.  

          They’ve also found health care in the region—specifically at Chiriquí Hospital in David about 20 minutes away—to be impressive.

          “I swear by it,” declares Gary as he goes on to explain that his amazing English-speaking doctor, Karen Zapata, has been nothing but the best. “Chiriquí Hospital is first-class. They treated me like a king.”

          Elva, too, was impressed that when going in for a simple test, they ran all her blood work at once— unlike in the States. This gave her the opportunity

          to see if there were any other areas of concern that she should have a doctor look at.

          “The price of an appointment has gone up over the years, but at $50 to $60… I’m not complaining!” says Elva.

          For something simple and commonplace like the flu, a local private doctor would only run to about $20.  

          Although there are not currently a huge number of expats in the area, everyday things are changing. “I remember coming home at 8 p.m. and the only thing I saw was a man on a horse. Today, there are nights I see bumper-to-bumper traffic headed up the hill,” Gary observes.  

          With everything La Concepción has to offer, it’s no wonder that in recent years it has begun to make its name on the expat map.

          “We love it here, it is perfect for us,” the happy couple concludes.

          Sincerely, 
          Rebecca Teeters
          Contributor, Panama Letter

          Tags: panama expatsretire overseas
          Share83Tweet52
          Rebecca Teeters

          Rebecca Teeters

          Rebecca Teeters is a freelance writer who spent many years in New Orleans, Louisiana, before catching the travel bug. After four years in Nicaragua and a solo drive through Central America, she has finally put down roots in the small beach town of Puerto Armuelles, Panama, where she enjoys learning about the local culture and blogging about those lessons.

          Get Your Free Panama Report Today!
          Simply enter your email address below and we'll send you our FREE REPORT – Live And Invest In Panama: The #1 Retirement Haven In The Americas.

          We Value Your Privacy! We will not share your email address with anyone else, period.
          Our Expertise Unlocks The World

          quick links

          • Best Places To Live
          • Best Places To Retire
          • Finding A Job Overseas
          • Real Estate

          LIOS Resources

          • New To LIOS
          • Ask An Expert
          • Media Center
          • Contact Us
          • FAQs
          the 10 best places to retire in 2025
          Sign up for our free daily e-letter, Overseas Opportunity Letter, and get your FREE REPORT: The 10 Best Places To Retire Overseas In 2025






            We Value Your Privacy! We will not share your email address with anyone else, period.

            As seen in

            US Media Logos

            © 2008 – Live and Invest Overseas™ – All Rights Reserved.

            About Us / Contact Us / Privacy Policy / Terms / Unsubscribe
            Facebook-f X-twitter Youtube Linkedin-in Instagram

            Welcome Back!

            Login to your account below

            Forgotten Password?

            Retrieve your password

            Please enter your username or email address to reset your password.

            Log In

            Sign up to receive the FREE daily e-letter, Overseas Opportunity Letter and we’ll immediately email you our editors’ latest research report…

            BEST PLACES TO RETIRE 

            FREE REPORT:






              We Value Your Privacy! We will not share your email address with anyone else, period.

              Sign up for FREE and learn how to live the good life on a modest budget, find bargain property, and more. Plus, check out our free report on the 10 BEST PLACES TO RETIRE.

              RETIRE OVERSEAS AND LIVE LIKE ROYALTY






                We Value Your Privacy! We will not share your email address with anyone else, period.
                HOME

                Top Countries

                • Spain
                • Portugal
                • Panama
                • Belize
                • Colombia
                • Cyprus
                • Mexico
                • France
                • Montenegro

                Best For:

                • Health Care Abroad
                • Retirement Living
                • Cost Of Living
                • Investing in Real Estate
                • Establishing Residency
                • Gun Ownership
                • English Speakers
                • Safety
                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
                • Raising A Family Abroad
                • Foreign Residency & Citizenship
                • Offshore & Diversification

                Making Money

                • International Real Estate
                • Banking
                • Employment
                • Investing
                Meet Our Experts

                Real Estate

                Overseas Property Alert 

                 

                How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams

                VISIT SITE

                Buying Real Estate For Cashflow

                 

                Discover tips and strategies used by global property investing veterans

                READ MORE

                Explore Our Latest Posts

                 

                Learn how to invest and purchase property abroad…

                EXPLORE

                Conferences

                Live and Invest In Spain Conference

                VALENCIA, SPAIN Sep. 17-19, 2025
                LEARN MORE
                DISCOUNT

                Offshore Wealth Summit

                PANAMA CITY, PANAMA Oct. 15-17, 2025
                LEARN MORE
                PRE-REGISTER

                GREECE WORKSHOP

                VIRTUAL Nov. 13, 2025
                LEARN MORE
                PRE-REGISTER
                MORE EVENTS

                Contact Our Events Team:

                Toll-Free U.S. and Canada:
                1 (888) 627 8834

                From Outside North America:
                1 (443) 599 1221

                Working Hours
                Monday – Friday 08:00 am – 17:00 pm EST.

                Reach us with your questions by email at: events@liveandinvestoverseas.com

                Store

                Overseas Havens Reports

                • Expats' comprehensive destination guides

                Conference Kits

                • Hours of coverage  from our latests conferences

                Lahardan Books

                • Titles on living and investing around the world

                Services

                • Overseas Living Letter: Affordable Retirement Guidance
                • The Simon Letter: Wealth Protection Insights
                • Global Property Advisor: Global Investment Opportunitites
                VISIT OUR STORE

                Free Report

                THE 10 BEST PLACES TO RETIRE IN 2025

                FREE REPORT: The 10 Best Places To retire in 2025

                Sign up to receive the FREE daily e-letter, Overseas Opportunity Letter and we’ll immediately email you our editors’ latest research report…






                  We Value Your Privacy! We will not share your email address with anyone else, period.

                  LIBRARY

                  Follow Us:

                  © 2008 - Live and Invest Overseas - All Rights Reserved.