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    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

    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 Panama Conference

    Live And Invest In Greece Workshop

    Live And Invest In Portugal Conference

    PANAMA CITY, PANAMA

    Jan. 21-23, 2026

    VIRTUAL

    Feb. 19, 2026

    LISBON, PORTUGAL

    Mar. 25-27, 2026

    Learn More About This Event
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    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

    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 Panama Conference

    Live And Invest In Greece Workshop

    Live And Invest In Portugal Conference

    PANAMA CITY, PANAMA

    Jan. 21-23, 2026

    VIRTUAL

    Feb. 19, 2026

    LISBON, PORTUGAL

    Mar. 25-27, 2026

    Learn More About This Event
    DISCOUNT
    Learn More About This Event
    PRE-REGISTER
    Learn More About This Event
    • 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
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Home Countries Panama

Extraordinary Young Women In Panama

by Kathleen Peddicord
Jan 04, 2026
in Panama
0 0
Kathleen Peddicord stands on a terrace, facing away from the camera, overlooking a lush green landscape and a vibrant orange-pink sunset sky.

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It got to where I was too embarrassed to talk about it.

I first had the idea to start a school at Los Islotes 15 years ago.

Every year since it has been my priority New Year’s agenda.

This time last year, I shared again my plan to open my Los Islotes Learning Center.

It would be, I continued to imagine, a place for students in this Veraguas region to come to access the internet. They don’t all have it in their homes.

We’d create a lending library—the first anywhere on this coast.

We’d offer English-language lessons as well as tutoring and classes in basic computer skills.

Panama’s glorious but still unsung Veraguas District is where Lief and I have sighted our longest-term plan. This Sunset Coast remains unexplored even among Panamanians. We value privacy and elbow room, making it the perfect location for the beachfront community we’re creating at Los Islotes.

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At first, Los Islotes was about making money. More than a decade-and-a-half into the most challenging undertaking of our lives, we’ve finally recognized that this is not about cash flow or profit.

Los Islotes has been our bridge to a secret world. Connecting with this realm has gifted me purpose. Giving the next generation here a leg up is the most worthwhile use of my time I can now imagine.

A new economy is emerging on this hidden coast. Los Islotes is leading the way. We’re installing infrastructure, building houses, and planting gardens.

We’re the first and right now the only ones undertaking these kinds of activities here, but others will follow. And we’ll all be in the market for staff.

We’ll need construction crews and woodworkers, housekeepers and landscapers, security and cooks.

Local schools have small budgets and limited resources. I’d like to help supplement.

Ultimately, I’d like to offer a fully fledged curriculum for children from pre-kindergarten through eighth grade.

However, putting together the pieces for that was daunting. Thus the 15-year delay getting this project off the ground.

Earlier this year, my righthand at Los Islotes, the young woman named Dalys who runs things day-to-day, made a suggestion.

“Senora Kathleen,” she began, “I know you want to start a school for all the children in these parts. But that is a very big idea. What if we started smaller? What if we offered a summer camp?”

Summertime in Panama is January through March. That’s when the weather is best and kids are out of school.

“And what if,” Dalys continued, “we focused on the girls?”

In our Veraguas world, girls don’t grow up with big dreams. Dalys is an exception. As she told me straight up the day she came to interview for a job at Los Islotes, she wanted a “real career.” Her mother had nurtured the idea, sending Dalys to Panama City to be educated and making sure she learned to speak English.

Like Dalys, her mom isn’t typical.

“Mothers in these parts,” Dalys told me once, “they teach their daughters that the key is to find a man. I try to tell my friends that they shouldn’t worry about boys. They should focus on school. Get jobs. Learn to take care of themselves. But they’re afraid.”

So, when Dalys suggested that I rethink the approach for my Los Islotes school, I understood. She had come up with a strategy to help local girls build confidence.

Dalys’ idea has evolved into the Los Islotes Summer Camp For Extraordinary Young Women.

“Because that’s what we can show them that they are,” Dalys said. “They’re extraordinary. They just don’t know it yet.”

Our camp will take place in three three-week sessions—Session I for girls aged 6 to 9; Session II for girls aged 10 to 14; and Session III for girls 15 to 18.

The camps are free, sponsored by Los Islotes, and each will finish with a graduation ceremony. Each girl will leave with a certificate of accomplishment.

Dalys posted flyers around Quebro town. Within two weeks, we had 12 girls registered for Session I and 16 girls each for sessions II and III.

“Senora Kathleen,” Dalys came to me to ask in a panic, “can we handle all those girls? What will we do with them all day?”

Dalys and I have conceived a program. Our goal is for each girl to leave able to hold a basic conversation in English. And we’ll show the older ones how to prepare a resume and write a cover letter to apply for a job—maybe with us!

The first session, for the little ones, starts tomorrow.

It’s my long-held New Year’s goal coming true.

It’s not a school. But it’s a start.

Until next time,

Kathleen Peddicord signature

Kathleen Peddicord
Founding Publisher, Overseas Opportunity Letter

Tags: 'living in panama''Los Islotes'New Year's GoalsOverseas EducationVeraguas panamaWomen's Empowerment
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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
  • 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 Panama Conference

PANAMA CITY, PANAMA Jan. 21-23, 2026
Learn More About This Event
DISCOUNT

Live And Invest In Greece Workshop

VIRTUAL Feb. 19, 2026​
Learn More About This Event
PRE-REGISTER

Live And Invest In Portugal Conference

LISBON, PORTUGAL Mar. 25-27, 2026
Learn More About This Event
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

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