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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

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        • Raising A Family Abroad
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        Follow Us:

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          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

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          International Property Summit

          Caribbean Virtual Conference

          Live and Invest In Spain Conference

          PANAMA CITY, PANAMA

          June 18-20, 2025

          VIRTUAL

          July 17-19, 2025

          Valencia, Spain

          Sep. 17-19, 2025

          LEARN MORE
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          Toll-Free U.S. and Canada:
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          overseas living letter offers affordable retirement guidance
          The Simon Letter Wealth Protection Insights
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         Free Panama Guide

        LIVE AND INVEST IN PANAMA

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          Home In Focus: Panama

          The Best Of Panama

          by Kathleen Peddicord
          Oct 02, 2024
          in In Focus: Panama
          0 0
          Balcony view of fishing bay, at Beachside condo, Nueva Gorgona, Panama. own in panama

          AdobeStock/Rob

          Every Friday afternoon sees an exodus from Panama City as residents drive across the Bridge of the Americas and then west on the Pan-American Highway… headed for the beach.

          Most people leaving Panama City for these regular weekend escapes are destined for the City Beaches, as they’re known… a string of resorts and developments lining the Pacific Ocean starting about an hour outside the capital.

          This region of Panama has been developed aggressively over the past decade and now is home to dozens of high-rise towers on the sand, strip malls, restaurants, hotels, resorts, and even big-box stores. The beach experience here is comfortable and convenient but increasingly cramped.

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            If you enjoy resort life and don’t mind crowds, this stretch of Panama’s Pacific coast could make a great choice for your beach life overseas. Living here, you’d be settled among thousands of fellow North Americans, meaning a built-in support system and no need to become fluent in Spanish.

            However, Panama’s Pacific coast is long, and much of it is much less developed than the City Beaches stretch.

            If you’d prefer some elbow room and a more authentic Panamanian experience, you have other—I’d say better—options.

            To find the best beaches in any country with a Pacific coast, follow the surfers. You don’t need to be a surfer or care about ever setting foot on a board. If you’re a lover of sand, sea, and spectacular sunsets, ask a local surfer where to go. They’ll lead you to a country’s most spectacular undiscovered shores.

            You won’t find Panama’s Morrillo Beach listed among the top beaches in the world or even in Panama, but this is where Panama’s surfers are heading today. On this remote coast, you find no high-rises, all-inclusive resorts, or convenience store shopping and very few tourists.

            This region lies beyond this country’s path of progress.

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              To get there, you travel the Pan-American Highway well past the City Beaches area to the town of Santiago (the second fastest growing in the country), and then turn left.

              The Azuero Peninsula’s eastern coast is far better known. Towns on the other side of this peninsula, such as Chitré, Las Tablas, and Pedasí, are well established among foreign retirees looking for affordable beach living.

              The peninsula’s western coast is just beginning to attract attention.

              The beaches on the eastern Azuero coast are beautiful, but those on the western coast are more so. The western coast is more mountainous, and the undulating terrain provides ocean views in all directions.

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                Here the Pacific Ocean pounds the rocky, craggy shoreline in some spots and meets the sand more gently in others, creating opportunities for both surfers and swimmers.

                In addition, the western coast is one of the few places in Panama where you can watch the sunset over the ocean.

                On Azuero’s western coast you’re surrounded by nature, pure and raw. Capuchin and howler monkeys call from the trees, sea turtles lay their eggs along the beaches, and, in season, dolphins and whales swim and play offshore. Nearby is Cerro Hoya National Park.

                Until recently, this western Azuero coast boasted extraordinary natural beauty but little else. Barely populated, this long expanse of undeveloped shoreline is dotted with a string of small towns, including Mariato, Malena, Morrillo Beach, Torio, and Quebro. The road traveling from one to the other is pitted and rutted, and cell and internet service are patchy.

                However, an expat community is emerging; some 300 foreign retirees currently call this part of Panama home year-round. The community’s de facto social center is the town of Torio, now home to a few small expat-run bars, restaurants, and guesthouses.

                Development is accelerating. Electricity is more reliable, cell service and the internet are more available, a bank and more grocery shopping options have opened in Mariato, and the government allocated funds to repave the road.

                Expats and retirees moving to this region today aren’t the pioneers who moved here five or six years ago, but this part of Panama remains a frontier and a top option for ultimate escape.

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                  The main attraction remains the Pacific Ocean. Expats on this coast spend their days surfing, swimming, diving, beach combing, fishing, and, increasingly, looking for ways to get involved with the local community.

                  This western Azuero Peninsula is where Lief and I decided years ago to focus our efforts in Panama long-term. When we purchased land on this coast for the Los Islotes community we wanted to create, we were true frontiersmen, arguably laughably ahead of our time.

                  This is much less true today and less true with each passing month. Panama’s path of progress is inching its way in our direction.

                  Meantime, we carry on carrying out our vision for Los Islotes. Pioneer life isn’t always easy, but it’s getting easier all the time.

                  We’ve built houses and a beach bar… stables and community gardens… a church and Town Centre.

                  As well, we, like many other expats drawn to this virgin region, are looking to do everything we can to support our neighbors.

                  Our coast is a primary turtle nesting site… and the little guys and gals need protection. We’re helping to improve the facilities for the volunteers who come each season to keep the turtle eggs safe.

                  And we’re finalizing plans for the Los Islotes Quebro Student And Community Center, where we’ll offer English lessons, computer literacy lessons, and after school tutoring.

                  Until next time,

                  Kathleen Peddicord signature

                  Kathleen Peddicord

                  Founding Publisher, Overseas Opportunity Letter

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                    Tags: 'Expats In Panama''Investing In Panama'Azuero PeninsulaPanama BeachesRetire To Los Islotes
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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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                          Super Cheap

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                          • Kyrenia, Cyprus
                          • Hua Hin, Thailand
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                          Affordable

                          • Valencia, Spain
                          • Cascais, Portugal
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                          • Pisa, Italy
                          • La Rochelle, France
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