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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
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    Luxury

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    • The Panama City Beaches
    • Paris, France
  • Resources

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    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

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    • Explore Our Events Site

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Argentina Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

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

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    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

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Home Countries Panama

Sacred Ground

Tropical forest overlooking a curved beach and distant mountains.

LIOS

From the start, Los Islotes captured my imagination. The place seemed almost sacred. The sense of joy I felt the day I’d seen it for the first time washed over me again every time we returned.

When we made the turn south from the Pan-American Highway at Santiago, the money struggles and other stresses that continued to keep me up every night disappeared.

My mind was soothed by the primitive scene outside the car window. By the time we reached the turnoff at Ponuga, I was entranced by the stillness of the jungle and the play of light and dark.

Palm fronds and bougainvillea shimmered in the sunlight peeking through breaks between limbs and leaves to create kaleidoscope shadows on the asphalt. I felt protected and renewed. Doubts went the way of my worries, and by the time we reached our Los Islotes gate I again believed anything was possible.

We could do this.

Los Islotes was a portal to a world I wouldn’t have believed existed if I weren’t engaging with it. How many spots on our globe remain wholly unspoiled?

Across our planet, Nature has to compete with man. But here, without us humans to interfere, she’s outdone herself. This Veraguas coast is an indictment and a promise. It reminds of the mess we’ve made across so much of the rest of the planet and it offers a glimpse of what the world could be without fast food, strip malls, and used car lots.

Coming and going and touring around when we allowed ourselves the time, we were slowly getting to know the place.

People raised chickens and caught fish with wooden poles. Their children climbed trees rather than jungle gyms and hunted crayfish in the rivers in their underpants and bare feet. They’d climb up the banks, muddy, wet, and grinning as they held out fistfuls of crustaceans like hallowed offerings.

Families of six and eight lived in two-room houses with dirt floors and slept altogether in cocoons, the little ones in their older siblings’ arms. People got around on foot or horseback. They had cell phones but signal only at the highest points. Some had electricity, fewer access to the internet, almost none indoor plumbing. But those practical realities were incidental because the people of Veraguas were healthy and happy.

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They competed at rodeos and let loose at dances and festivals. They fell in love and had children and celebrated life’s milestones. They were partners with the land they revered, feasting on its harvests but leaving it as they’d found it.

The Veraguas coast was a bubble free from the daily news cycle and insulated from the world beyond.

The more I knew of this world, the more I envied the people in it. I wanted to know them better, and I really wanted to know what they thought of us.

As much as I sometimes thought I wanted to, I couldn’t tear myself away from this place Lief discovered. I was inexorably connected and that created a new problem. We’d come to Veraguas with the specific purpose of opening this coast to the world beyond. Now that I’d experienced what was here, I was having second thoughts about that agenda.

Lief bought a machete so we could cut hiking trails. I followed along behind him the day he hacked a path to the top of the point between our two beaches. Standing on that precipice for the first time, I was overwhelmed by the vista.

The Pacific stretched before us to the horizon. Its surf pounded the rockface a hundred meters below.

When was the last time a human stood in this spot, I wondered as I edged forward until the earth nearly ran out.

In that moment, my position was clarified. It wasn’t a question of segregating lots versus creating a full-amenity coastal community. It was that I didn’t want to exploit this virgin outpost at all. I wanted to shelter it.

The truth?

I wasn’t sure I wanted a single other outsider to know it.

Until next time,

Kathleen Peddicord signature
Kathleen Peddicord

Founding Publisher, Overseas Opportunity Letter
Tags: 'Los Islotes'PanamaVeraguas panama
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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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Top Countries

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  • Panama
  • Belize
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Best For:

  • Health Care Abroad
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  • Investing in Real Estate
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  • 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

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Discover tips and strategies used by global property investing veterans

READ MORE

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Learn how to invest and purchase property abroad…

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Live and Invest In Spain Conference

VALENCIA, SPAIN Sep. 17-19, 2025
Learn More About This Event

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PANAMA CITY, PANAMA Oct. 15-17, 2025
Learn More About This Event
PRE-REGISTER

Argentina Workshop

VIRTUAL Nov. 13, 2025
Learn More About This Event
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

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