Live and Invest Overseas
  • HOME
  • COUNTRIES
    • TOP DESTINATIONS
      • PANAMA
      • PORTUGAL
      • MEXICO
      • FRANCE
      • GREECE
      • SPAIN
      • BELIZE
      • THAILAND
      • COLOMBIA
      • MONTENEGRO
      • THE DOMINICAN REPUBLIC
      • ITALY
      • ARGENTINA
    • RANKING & GUIDES
      • THE 12 BEST PLACES TO RETIRE OVERSEAS IN 2026
      • CHEAPEST REAL ESTATE
      • BEST PLACES TO RETIRE IN LATIN AMERICA
      • THE BEST PLACES TO RETIRE IN EUROPE
      • BEST HEALTH CARE OVERSEAS
      • BEST COST OF LIVING OVERSEAS
      • QUICKEST AND AFFORDABLE RESIDENCY OPTIONS
      • COUNTRIES WITH EASIEST GUN LAWS
      • BEST ENGLISH SPEAKING COUNTRIES TO RETIRE OVERSEAS
      • SAFEST PLACES TO RETIRE OVERSEAS
    • BUDGETS
      • CHEAP
        • HUA HIN, THAILAND
        • CRETE, GREECE
        • MENDOZA, ARGENTINA
      • AFFORDABLE
        • TARRAGONA, SPAIN
        • SANTA FAMILIA, BELIZE
        • GASCONY, FRANCE
        • SARDINIA, ITALY
        • KOTOR, MONTENEGRO
        • LAS TERRENAS, THE DOMINICAN REPUBLIC
        • BOQUETE, PANAMA
      • JET-SET
        • THE ALGARVE, PORTUGAL
        • PUERTO VALLARTA, MEXICO
  • REAL ESTATE
    • LATEST POSTS
    • THE OVERSEAS PROPERTY ALERT
    • BUYING REAL ESTATE FOR CASHFLOW
  • CONFERENCES
    • UPCOMING EVENTS
      • IN PERSON EVENTS
      • VIRTUAL EVENTS
        • 2026 LIVE AND INVEST IN MEXICO ONLINE WORKSHOP
        • 2026 LIVE AND INVEST IN FRANCE VIRTUAL CONFERENCE
        • 2026 OFFSHORE WEALTH VIRTUAL SUMMIT
        • 2026 LIVE AND INVEST IN COLOMBIA ONLINE WORKSHOP
    • CONTACT OUR EVENTS TEAM
  • RESOURCES
    • GLOBAL LIVING
      • LIVING & RETIRING OVERSEAS
      • RAISING A FAMILY ABROAD
      • FOREIGN RESIDENCY & CITIZENSHIP
      • OFFSHORE & DIVERSIFICATION
    • MAKING MONEY
      • INTERNATIONAL REAL ESTATE
      • BANKING
      • EMPLOYMENT
      • INVESTING
  • STORE
    • SERVICES
      • THE OVERSEAS LIVING LETTER
      • THE SIMON LETTER
      • GLOBAL PROPERTY ADVISOR
      • EUROPE UNCOVERED
      • THE PANAMA LETTER
    • REPORTS
      • EUROPE HAVEN REPORTS
      • OVERSEAS HAVEN REPORTS
      • PANAMA SPECIAL REPORTS
    • LAHARDAN BOOKS
  • MY LIBRARY
Live and Invest Overseas
  • HOME
  • COUNTRIES
    • TOP DESTINATIONS
      • PANAMA
      • PORTUGAL
      • MEXICO
      • FRANCE
      • GREECE
      • SPAIN
      • BELIZE
      • THAILAND
      • COLOMBIA
      • MONTENEGRO
      • THE DOMINICAN REPUBLIC
      • ITALY
      • ARGENTINA
    • RANKING & GUIDES
      • THE 12 BEST PLACES TO RETIRE OVERSEAS IN 2026
      • CHEAPEST REAL ESTATE
      • BEST PLACES TO RETIRE IN LATIN AMERICA
      • THE BEST PLACES TO RETIRE IN EUROPE
      • BEST HEALTH CARE OVERSEAS
      • BEST COST OF LIVING OVERSEAS
      • QUICKEST AND AFFORDABLE RESIDENCY OPTIONS
      • COUNTRIES WITH EASIEST GUN LAWS
      • BEST ENGLISH SPEAKING COUNTRIES TO RETIRE OVERSEAS
      • SAFEST PLACES TO RETIRE OVERSEAS
    • BUDGETS
      • CHEAP
        • HUA HIN, THAILAND
        • CRETE, GREECE
        • MENDOZA, ARGENTINA
      • AFFORDABLE
        • TARRAGONA, SPAIN
        • SANTA FAMILIA, BELIZE
        • GASCONY, FRANCE
        • SARDINIA, ITALY
        • KOTOR, MONTENEGRO
        • LAS TERRENAS, THE DOMINICAN REPUBLIC
        • BOQUETE, PANAMA
      • JET-SET
        • THE ALGARVE, PORTUGAL
        • PUERTO VALLARTA, MEXICO
  • REAL ESTATE
    • LATEST POSTS
    • THE OVERSEAS PROPERTY ALERT
    • BUYING REAL ESTATE FOR CASHFLOW
  • CONFERENCES
    • UPCOMING EVENTS
      • IN PERSON EVENTS
      • VIRTUAL EVENTS
        • 2026 LIVE AND INVEST IN MEXICO ONLINE WORKSHOP
        • 2026 LIVE AND INVEST IN FRANCE VIRTUAL CONFERENCE
        • 2026 OFFSHORE WEALTH VIRTUAL SUMMIT
        • 2026 LIVE AND INVEST IN COLOMBIA ONLINE WORKSHOP
    • CONTACT OUR EVENTS TEAM
  • RESOURCES
    • GLOBAL LIVING
      • LIVING & RETIRING OVERSEAS
      • RAISING A FAMILY ABROAD
      • FOREIGN RESIDENCY & CITIZENSHIP
      • OFFSHORE & DIVERSIFICATION
    • MAKING MONEY
      • INTERNATIONAL REAL ESTATE
      • BANKING
      • EMPLOYMENT
      • INVESTING
  • STORE
    • SERVICES
      • THE OVERSEAS LIVING LETTER
      • THE SIMON LETTER
      • GLOBAL PROPERTY ADVISOR
      • EUROPE UNCOVERED
      • THE PANAMA LETTER
    • REPORTS
      • EUROPE HAVEN REPORTS
      • OVERSEAS HAVEN REPORTS
      • PANAMA SPECIAL REPORTS
    • LAHARDAN BOOKS
  • MY LIBRARY
Live and Invest Overseas
Panama On $2,000 / Month →
Live And Invest In Panama

#1 Retirement Haven In the Americas

Live and Invest Free Report

Enter your email to get your FREE guide instantly!

🔒 We respect your privacy. Unsubscribe anytime.

  • Best places to live—from Panama City to Boquete
  • Comfortable living on $1,500–$2,000 / month
  • Furnished apartments from about $800 / month
  • Up to 50% discounts with the Pensionado program
Home Countries Panama

Horse Stories

by Kathleen Peddicord
Aug 09, 2026
in Panama
Google Add us as a preferred source on Google NO AI POLICY NO AI
Share:
Facebook X
A group of brown horses grazing on a grassy field outside a stable, with trees providing shade on a sunny day.

LIOS Stock

Eight years ago, we bought four horses to keep at our family finca, Los Islotes.

Our kids have been enthusiastic riders since Ireland.

On my desk is a photo of Kaitlin with her arms around 2-year-old Jackson on Kaitlin’s pony Chesapeake in the forever muddy back garden of our home in Waterford.

Kaitlin and Jackson belonged to riding clubs in Ireland and in France and Panama City, too. An equestrian center has always been part of the Los Islotes plan.

Plus, this is horse country. Kids learn to ride as they learn to walk and to rope just a few years later. The annual rodeos are a big deal. Los Islotes is a proud sponsor of the local junior team…

A group of young riders in matching ranch shirts and cowboy hats standing together at an outdoor arena.

So, years ago, when we were getting started out here and heard that a local rancher had some horses he wanted to sell, we got in touch.

Los Islotes is in Quebro. The rancher was in Cocoa, a pueblo just south of us known for its fine horse stock. We made a day trip of visiting with the hospitable rancher in his home and, after some back and forth, we settled on four mares.

Just a few days after we’d brought her to Los Islotes, one of our new horses broke the fence. In the dead of night through jungle and across rivers, she made her way back to Cocoa. We figured that if she wanted to go home that badly, we should let her.

That left us with three horses.

Turned out, all three were pregnant, though no one realized. They gave birth the next year…

A person gently examining a newborn foal standing beside its mother in a pasture.

And all three foaled again a year-and-a-half after that. Guadalupe gave birth a third time 18 months later…

A mare and her young foal standing near a water trough while a person observes them in a fenced paddock.

We’d found us the most fertile horses in all Veraguas.

Now they needed a place to live.

We set about building our stables…

Elegant equestrian ranch featuring Spanish-style architecture, white fencing, and a peaceful natural landscape.

Today, the stables are a focal point on the property… a comfortable gathering place not only for our horses…

Spacious horse stable with arched openings, modern stalls, and a covered roof designed for comfort and ventilation.

But for us, too. This summer we used the space as the base for our First Annual Los Islotes Summer Camp For Extraordinary Young Women…

Group photo in front of the ranch entrance during a community visit, highlighting the welcoming atmosphere and family-friendly environment.

To regroup… we bought four horses…

One ran away.

We’ve sold four.

And today we have eight…

Horses gathered around a fresh water trough in a peaceful countryside pasture.

In all, we’ve had nine foals come into the world on our property.

We have trouble keeping them all straight. Who belongs to who… we’re constantly asking each other.

Our first construction project at Los Islotes, other than our home, was our beach bar, Panama Jack’s…

A covered outdoor pavilion with warm lighting, seating, and a relaxing ranch atmosphere.

I had the idea at the time to paint a mural around the bar.

“We could tell the story of our coast,” I suggested to our righthand woman out here, Dalys. “Of the Spanish landing on these shores… and of Urraca fighting them off.”

Dalys was the one who’d told me the story of Urraca. He’s a national hero, a brave indigenous warrior who managed to unite the nine warring tribes on the Veraguas coast into an army that was able to fight off the Spanish invaders for nine years.

“Would you know someone who could paint something like that for us?” I asked Dalys.

“Yes, there is a man,” Dalys told me. “He is like a genius. He can paint anything. When he’s not drunk.”

“Ah,” I replied. “Is he often drunk?”

“Yes, you could say that,” Dalys admitted. “He likes his seco.”

Dalys made three trips to his house before catching El Tigre, as he’s known, in a condition capable of holding a paintbrush.

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.


She brought him to Los Islotes, where we put him up for five nights. Each morning he’d sit on the concrete floor of Panama Jack’s and set to painting. He didn’t work from a drawing. He didn’t sketch anything on the wall before him. He simply started painting.

El Tigre is not only often drunk. He’s also half-blind. But we watched as, over five days, he painted the four sides of our bar to show the great masted ships of the Spanish arriving on our coast and the battles that ensued as those who already called this coast home fought to keep the conquistadores at bay.

A hand-painted mural illustrating an early exploration and conquest scene along a coastal landscape.

In the years since, we’ve brought El Tigre back to Los Islotes several times to paint more murals… including of the Panama Canal…

murals and community-inspired artwork, each piece transforms ordinary spaces into memorable visual experiences.

And one of our two granddaughters in the garden…

Custom murals that celebrate history, nature, and local identity—designed to inspire, engage, and create lasting impressions.

“Let’s see if we can get El Tigre’s attention for another project,” I suggested to Dalys earlier this year.

“I’d like to memorialize the history of our horses.”

“Great idea, Senora Kathleen,” Dalys said. “We could paint something on the far side of the stables.”

El Tigre has just finished his work. Here’s our Los Islotes horse family tree, with Santiago and Apolonia at the head…

A woman stands beside a colorful mural featuring a large tree with wooden-style signposts displaying names

Until next time, 

Kathleen Peddicord Signature

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.

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
Sign up for our free daily e-letter, Overseas Opportunity Letter, and get your FREE REPORT: The 12 Best Places To Retire Overseas In 2026

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

As seen in

US Logos
© 2025 – Live and Invest Overseas™ – All Rights Reserved.
About Us / Contact Us / Privacy Policy / Terms / Unsubscribe
Facebook-f X-twitter Youtube Linkedin-in Instagram
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

2026 Live And Invest In Mexico Online Workshop

Online Aug. 22, 2026
Learn More About This Event

2026 Live And Invest In France Conference

Online Sept. 25-26, 2026
Learn More About This Event

2026 Offshore Wealth Summit

Online Oct. 14, 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

Free Report

FREE Report

The 12 Best Places to Retire Overseas in 2026

Simply sign up for our FREE daily Overseas Opportunity Letter, 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.

LIBRARY

Follow Us:

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

Book Cover
User

From the desk of Kathleen Peddicord
Founding Publisher, Live and Invest Overseas

Live And Invest In Panama
The #1 Retirement Haven In The Americas
Inside Your Free Report:
  • The best places to live, from Panama City and Boquete to Las Tablas and Coronado
  • Where a furnished two-bedroom apartment can cost around $800 a month
  • How some retirees live comfortably on $1,500–$2,000 a month
  • How retirees can save up to 50% through Panama's Pensionado discount program
Enter your email to get instant access to your report.
You’ll also receive our free daily Overseas Opportunity Letter.
100% FreeNo obligations
Unsubscribe AnytimeOne-click unsubscribe
Privacy ProtectedYour info is never shared
Could Panama Really Be The #1 Retirement Haven In The Americas?...
Find Out Why →
RETIRE OVERSEAS AND LIVE LIKE ROYALTY
Sign up for FREE to learn how. Plus, check out our FREE report on THE 12 BEST PLACES TO RETIRE

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