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    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

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    • Valencia, Spain
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    • Las Terrenas, The DR
    • Pisa, Italy
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    • Mazatlán, Mexico

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    • Kotor, Montenegro
    • The Panama City Beaches
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  • 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

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    • Raising A Family Abroad
    • Foreign Residency & Citizenship
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    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 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 About This Event
    Learn More About This Event
    PRE-REGISTER
    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

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    Overseas Havens Reports

    • Expats' comprehensive destination guides

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    • 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

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Home Countries Panama

Security, Opportunity, And Ocean Sunsets

by Geraldine Gonzalez
Jan 04, 2024
in Panama
0 0
Green meadow with amazing view of tropical beach by the Pacific Ocean

AdobeStock/helivideo

Although firmly on the map as a world-class retirement haven, parts of Panama are still relatively undiscovered.

The country’s Veraguas Province is one such place.

It sits on the Azuero Peninsula, and its western coast is one of the few places in Panama from which you can watch the sun set over the ocean. And it’s here, in the town of Torio, that Canadian couple Ralph and Nataliya have settled into expat life and opened a new business.

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So, just how did they come to find this little corner of Panama?

Ralph explains…

“I actually discovered it by accident…

“My parents were nearing retirement age. They went to Florida and didn’t like it. So I did a Google search and Panama came up as one of the top three retirement destinations in the world.

“It was the closest of the options to Toronto and had direct flights. Plus, it had the U.S. dollar, security, economy, and all the other pluses that Panama has going for it.

“I planned a 15-day relocation tour with my parents. We got a rental car, GPS, and an itinerary with five stops from Pedasí to Volcán, Boquete… all over.

“Torio, Panama, was not on the schedule, but we had to stop in Santiago for two days on our way to Boquete. I looked at the GPS, saw the ocean, and decided to take a drive…

“This part of Panama is beautiful for its ocean sunsets. I fell in love with it but continued the itinerary.

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“When I asked why Torio wasn’t part of the itinerary, I was told that it wasn’t developed and there was nothing to see there.

“On the contrary, I saw it as a good opportunity to come to this area because when it’s less developed, the price is better than other areas, and it also gives you the opportunity to do business because there’s less competition.

“I saw there were a lot of hostels and small places to stay but nothing when it came to luxury, so I saw that as my opening.

“My parents didn’t end up moving to Panama, but I did. I bought a piece of property and opened my luxury hotel—The Casa Blanca Inn.”

Expat Life In Panama

In the years they’ve been here, Ralph and Nataliya have seen some changes…

“Right now, the population is a bit small, and there isn’t a diverse selection of restaurants, grocery stores, and amenities, yet,” says Ralph. “But I can see that already starting to change…

“A new gas station opened in Torio a few months ago, and there are plans for a new grocery store.

“As those things develop, it’ll have a snowball effect. More people will come, more amenities will come, and in the long-term, it’ll be better for everybody.

“There’s talk about a pharmacy and clinic, maybe coming next year. Ever since the new road went through, a lot of things have been improving.

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“When we first moved here, there wasn’t any internet. Now the internet has enabled a younger demographic who can work remotely to come down. And I heard that there’s going to be a new high-speed fiber optic system.

“Everything is being upgraded.”

When it came to settling into the community, it was pretty smooth-sailing for the family.

“I’m still learning Spanish,” says Ralph. “Ninety-nine percent of the Panamanians that come to the hotel speak English, and they always want to practice. Though I want to practice my Spanish, I always put my guests first. My 10-year-old son goes to the local school and is learning Spanish, so he’s my teacher.”

“The community overall is very nice; the Panamanians and the expats alike are very friendly,” adds Nataliya.

“There’s a lot to like here… Nature, quiet, clean air, the ocean breeze…

“We’ve created what feels like family with the people around us. Our maids have kids, and we’re always giving them homemade baking, leftovers, or whatever our son is not using… decent clothes, toys, and good food.

“We just tend to share with everybody, and that’s reciprocated. We have a maid who knew that Ralph liked traditional Panamanian corn tortillas, so she made them from scratch and brought them.

“We didn’t expect it… it gives us a feeling of unity, like a big family.”

On the subject of safety, the couple had this to say:

“There is small, petty theft, but personally, we have many people that work for us in construction and workers around us all the time… our gate is unlocked, and nobody ever takes anything.

“The first few nights I didn’t sleep too well because I didn’t know how secure the area was, but after a while, I realized it’s safer in Torio than in Toronto and felt totally at ease…”

Sincerely,

Geraldine Gonzalez

Contributor, Panama Letter

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Tags: 'Expat Life''living in panama'At Home Abroadlive overseasmove overseasPanama
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Geraldine Gonzalez

Geraldine Gonzalez

Panama-born Geraldine experienced the expat life at a young age, spending seven years in Canada and eventually moving back to Panama. Her love for writing and exploring different cultures set her on the path of roaming the skies as a flight attendant for three years before settling down to focus on her writing aspirations. She became a part of the LIOS family last year and is learning the ropes as our resident Junior Copywriter. An adventure-seeker at heart, she’s made it her mission to get to know every inch of her native country and is taking us along for the ride through her contributions to In Focus: Panama.

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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
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  • Foreign Residency & Citizenship
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Making Money

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

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