Is Law No. 9 The Holy Grail Of The Ultimate Overseas 'Retirement?' Thanks to Law No. 9, you can enjoy a first-class lifestyle in a beautiful tropical haven while saving thousands of dollars per year on just about everything, including restaurants, hotels, entertainment, travel, and more. Even if you're not 'retired!' Today, I'd like to show you how to start reaping the benefits of Law No. 9--and start a new life in a locale that Harper's Bazaar calls 'The most beautiful retreat in the world.' Dear International Living Reader, Make this stunning tropical retirement haven your new home, and the mercifully low cost-of-living will help you save a considerable amount of money: A ticket to see a first-run movie in English can cost as little as $2.25. A nice dinner with wine can be less than $10 a person. Cocktails in a nightclub with live music can be $2 or $3 apiece. A taxi from one end of town to the other is less than $2. You can stock your refrigerator with four bags of groceries--water and soda, eggs and bread, butter and cheese, olives, nuts, ham for sandwiches, pancake mix, and more, and still get change from a $20 bill. (the U.S. Dollar is legal tender here) A haircut for a man usually runs around $5... and only slightly more for a woman. A ticket to a live music concert is around $10. You'll also find big savings on things like medical services, massage and physical therapy, housekeeping, gardening, construction trade, and auto mechanic services. And amazingly, when you take advantage of Law No. 9, you'll pay even less than this for most of your everyday necessities--enabling you to enjoy an incredibly low cost-of-living while living in one of Latin America's most fascinating and beautiful countries. In fact, I don't know of a comparable law in existence anywhere else in the world. When it comes to affordable overseas living, the benefits contained in Law No. 9 remain unparalleled. Reap The Money-Saving Benefits of Law No. 9 in 'The World's #1 Retirement Haven' If you haven't already guessed it, Law No. 9 was created in Panama, a country that has ranked #1 in International Living's Annual Global Retirement Index... for five consecutive years. Law No. 9 is the most appealing program of special benefits for foreign residents and retirees you'll find anywhere in the world today. Although it's been in effect since 1987, it hasn't been until recently that Law No. 9, more commonly known as Panama's pensionado program, has received the attention it deserves. Now, you may be thinking, 'Pensioner? Retiree? That leaves me out.' Not in Panama! The rules for becoming a pensionado and qualifying for Panama's pensionado program are probably not what you would expect. For example, even if you're as young as 18 years old, you may apply and qualify as a pensionado in Panama, provided you can show evidence of a guaranteed pension income of $500 per month ($600 per month for a couple). As long as it's a pension from a government agency (e.g. social security, disability, armed forces) or from a company, you're good to go. As a qualified pensionado in Panama, you will be entitled to: 50% off entertainment--such as movies, theaters, concerts, and sporting events -- anywhere in the country 50% off closing costs for home loans and more... 50% off hotel stays from Monday through Thursday 30% off hotel stays from Friday through Sunday 30% off bus, boat, and train fares 25% off airline tickets 25% off at restaurants 20% off medical consultations 20% off professional and technical services 15% off at fast-food restaurants 15% off hospital bills (if no insurance applies) 15% off dental and eye exams 10% off prescription medicines In addition, you are entitled to a one-time exemption from duties on the importation of household goods (up to $10,000) AND an exemption every two years from duties for the importation or local purchase of a car. And since you only need to be 18 to qualify as a pensionado...you may be able to 'retire' a lot earlier than you ever dreamed possible Add to this all of the exciting opportunities going on right now... the property values that can still be found... the modern infrastructure... an extremely affordable cost of living... the generous tax incentives and privacy laws... and you can see why we consider Panama the best retirement destination and offshore haven in the world right now. You Can Enjoy The Ultimate Overseas Lifestyle in Panama Quite frankly, Panama offers the most attractive overseas lifestyle opportunity I've ever seen. I honestly can't think of any other country in the world that has ever offered so much to international visitors, How to live comfortably in Latin America's most affordable city... Obviously, cost of living is determined by your lifestyle, but here is an idea of what you might expect to spend in order to live quite comfortably in Panama City, per month: * Housing (rental of a two-bedroom apartment)--$800 * Utilities (electricity, gas, water)--$300 * Household help (maid three days a week, four hours per day)--$135 * Groceries--$300 * Maintenance and fuel for one car--$150 * Entertainment (dining out and other activities)--$150 * Health care--$150 Incidentals (clothes, household items, etc.)--$100 Communication (phone, Internet, Cable TV)--$100 Monthly total: $2,185 Note: You may not want a car in Panama City--especially with the way gas prices are skyrocketing these days. Luckily, in Panama City, you can take a taxi clear across town--even as of May 2006--for only one or two dollars. expats, retirees, and entrepreneurs, yet has remained so undiscovered and underpriced. In fact, the more I think about this tropical gem, the more it simply astounds me... ... affordable first-class real estate... a much lower cost of living than North America... modern amenities and technology... spectacular mountain, rainforest and beachfront scenery... warm, year-round weather... close proximity to North America... a rich culture and history... the world's best retirement program... ... fun and friendly locals--many of whom speak English... trendy new restaurants, cafés, museums, and music clubs... ... low-cost health care specialists... a safe, stable environment... a fast-growing economy... guaranteed financial privacy... promising business and tax-saving opportunities... ... and so much more... Until Recently, Panama Remained Our Little Secret... With the exception of our readers, few people knew anything about the incredible lifestyle you can enjoy when you start a new life in Panama. That is, until now. The secret is definitely out. The mainstream press has finally started shouting to the masses what we've been quietly informing our readers about for the past five straight years... .. that Panama is 'The World's #1 Retirement Haven.' Take a look: '... property here remains a fraction of what one would pay for similar real estate in the United States. And with enticements like a 20-year suspension of property taxes to those who build houses or renovate in a historic district, and an income tax hiatus for those starting some small businesses, the opportunities are appealing not only for those seeking a place to retire but also for entrepreneurs.' --The New York Times, 2005 '... hands new American retirees a property-tax exemption and steep discounts on everything from movies to surgery... You can live in a nice place by the water, and you can live dirt-cheap...' --Newsweek, 2005 '... lets retirees import a car tax-free every two years, import $10,000 of household items tax-free, and buy property tax-free...' --The Wall Street Journal, 2004 It's no wonder that the world is is just starting to catch on--and that those that have already discovered Panama are so enthusiastic about the opportunities for living, retiring, and even netting tax-advantaged profits... And we all know what happens once the crowds start arriving. Prices go up. It's as inevitable as death and taxes. But don't just take my word for it. Check out what London's Daily Mail had to say in an October 2005 article: 'Property prices are predicted to rise by 400% over the next four years...' However, Panama remains of the most overlooked and misunderstood destinations in the world... at least until now. Let me explain. If you were to ask most people on the street what they knew about Panama, they'd probably respond with something like, 'The country with the canal, the hats, and that Noriega guy...' This is only partially true--at best. The Panama Canal, a.k.a. 'The Eighth Wonder of the World' is here, of course. In fact, there are plans to widen the canal soon. Panama Hats? Most of these hats, believe it or not, are actually made in Ecuador. And as for Noriega, well, you can rest assured that those days are long, long-gone. General Manuel Noriega and his corrupt self-serving government have been out of power for more than a decade now. However, due to the drama that Noriega stirred up in the late eighties, the world has largely ignored Panama--deeming it too dangerous. Nothing could be further from the truth. Panama is now a peaceful, democratic country that welcomes visitors like no other country on earth. 'ZERO TAX AND 100% POSSIBILITIES' The Colon Free Zone, located on Panama's Atlantic coast, is the main commercial distribution center of the western hemisphere with some 2,000 companies, spread out over 1,000 acres, operating here. The Free Zone is served by four major ports and future plans include expansion into an adjacent area (1,400 acres). The Free Zone employs about 14,000 people, and claims the best trained bilingual work force in Central America. The Zone hosts 250,000 business people and tourists each year. The Zone slogan says it all: 'Zero tax and 100% of opportunities.' And nobody's scrutinizing it. It's practically undiscovered. Panama's recent dramatic history has kept people away--and created the most exciting and unique overseas lifestyle opportunity I've ever seen. Furthermore, its economic performance is solid. In fact, over the past 40 years, Panama's inflation rate has averaged less than 2% per year. That's simply unheard of south of the U.S. border. Panama is a peaceful, democratic, and beautiful country with all the advantages of tropical living--but few of the disadvantages. Because of its strategic location and its U.S. influence (many Americans helped build and operate the Panama Canal), Panama offers state-of-the-art benefits usually available only in first-world countries. For example, the roads are almost pot-hole free. It's out of the hurricane belt (in fact it's barely even experienced fast winds in the last century.) It has state-of-the-art infrastructure and services... fast Internet access... cable TV... access to U.S. style products and services... excellent healthcare... and more... Indeed, Panama has risen from the ashes of the Noriega era and has emerged as 'The World's #1 Retirement Haven' in the International Living Annual Global Retirement Index--for five consecutive years! Of all the retirement havens in the world, Panama is--without question--the best deal you'll find. Anywhere. And if you act soon, you can still have it all: Own Your Own Dream Home in Paradise. Find stunning oceanview homes for only $75,000... secluded valley retreats for only $60,000... and upscale downtown apartments for only $50,000... (Please note that as of May 2006, prices have started rising faster due to a recent surge in demand. I can't overstress that you must act quickly if you want to find prices this low...) Cut Your Cost Of Living By 35% To 50% - Or More Take a taxi across town for $1... watch a movie at the theatre (in English) for $3.75... enjoy a steak dinner in a nice restaurant for $7... receive one month of high-speed internet access for $20... visit a U.S. trained doctor for $25... Enjoy Modern Amenities And Infrastructure. You'll encounter newly-paved roads and highways, air-conditioned shopping malls, high-speed Internet access, cable and satellite TV, and much more. Since much of the infrastructure was built by Americans, you'll find things work much like they do at home. The only main difference is that you won't be paying anywhere near U.S. prices to benefit from them. Enjoy A Warn, Year-Round Climate. Along the coasts, you'll find the tropical climate pleasant--although it can get a little hot and humid during certain times of the year. Luckily, the swimming, scuba-diving, snorkeling, and swimming opportunities here are truly world-class. Keeping cool is easy--and fun! And when you head inland, you'll find one of the world's most perfect refuges. Its lush green hills, flowing rivers, and spectacular waterfalls help to make it one of the most unspoiled retirement retreats in the world today. Due to the elevation, daytime temperatures rarely dip below 70° F and rarely climb above 80° F. Nights are cool. It's ideal, therefore, as either a year-round, fulltime retreat... or as a place to escape to for several weeks of the year. Explore a Tropical Wonderland. Indulge your sense of adventure with a trek through uncharted jungles and steamy rainforests and some of the most vast, rich and complex rainforests on the planet (home to over 940 recorded bird species and 105 endangered species)... canoe into rural villages... go on white-water-rafting expeditions... hike through lush green valleys... horseback ride along deserted palm-lined beaches... dive in spectacular Caribbean waters... all this, and more, in one of the world's most overlooked adventure travel destinations. Panama has a diverse landscape... Get The Visa of Your Choice--Hassle-free. The visa process is simple. It's a one-time application, and there are no renewals and no additional fees. You can apply today and soon have residency for life. Your visa only takes about a month. It's fast, it's affordable, and it's easy. And benefits include one-time exemption of duties for the importation of household goods (up to $10,000) and an exemption every two years of import duties for a car. Speak English With Friendly Locals. Because of the long-standing American presence here, you'll find that many of the locals speak excellent English. Communicating is easy. However, it remains helpful to learn a little bit of the local language. (I'll show you how a little later on...) Find Affordable, First-rate Health Care. You'll find nearly any health care service that you could ever want, but at a fraction of the prices in North America (A U.S-trained doctor will make a house call for around $25.) Furthermore, prices for prescription drugs are low here as well. And many drugs that require a prescription in North America are available over the counter here... Reap Enormous Tax Benefits And Financial Privacy. This place has been one of the best kept secrets for international investment and tourism for years. Open a truly private bank account... set up an offshore corporation, trust, or private foundation and take advantage of privacy, tax, and asset protection benefits. You can receive a 20-year exemption on import taxes, a 20-year exemption on real estate taxes, and even net tax-advantaged profits... If you're an offshore investor or an entrepreneur, move with care and make wise choices, you can expect healthy profits, low taxes and, best of all, statutorily guaranteed maximum privacy. ... and much, much more... Take Action Before Prices Rise, And You Can Get in on Panama's Hottest Opportunities If you've ever dreamed of starting a new life in an idyllic haven like Panama, but thought that it's too late... too expensive... or even too crazy an idea to start with, you're in luck. You can still find some enticing real estate bargains in Panama for much, much less than prices for comparable properties in other tropical havens like Costa Rica, the Bahamas, or the Cayman Islands. A Beach Home With All The Amenities. Within walking distance of this lovely beach, you'll find all the modern amenities you're used to back home: a shopping center, a beauty salon, a spa, restaurants, banks, fast food (including a Subway), a gas station, handicraft markets, hardware stores, and more. There is also a large new supermarket with a bakery and deli. Fresh lobster, fish, and shrimp can be purchased directly from local fishermen at the local beaches. And in this area, you can get a three-bedroom, two-bathroom house on an acre lot with terrace, swimming pool, and maid's quarters with a separate bathroom -- for just $95,000. A Cool Mountain Getaway... This small town's lush green hills, flowing rivers, and spectacular waterfalls help to make it one of the most unspoiled retirement retreats in the world today. Banana, mango, palm trees, and coffee plantations abound. It offers all manner of outdoor activities... hiking, biking, bird watching, horseback riding, whitewater rafting,trout fishing, and gardening. According to Modern Retirement Magazine, 'The town's European and American expats appreciate the stable political scene, the mercifully modest cost of living... the clean air, and the outdoorsy activities...' Here we found picturesque 2,500-square-foot homes for sale for just $60,000 to $70,000. A Colonial Gem ... Abandoned by the city's elite in the 1950s, the area became a squatters' slum--but today, artists, professionals, and snowbirds have turned it into real estate gold. Its quiet, colonial charm and friendly, bohemian feel makes it more than worth a look. Here you can find a 540-square-foot studio apartment for just $50,000--or a one-bedroom 1,300-square-foot unit for only $132,800. With no property taxes for 20 years! Remember, although property is still incredibly cheap here... prices have started rising rapidly now that the secret's out. Your Quickest Route to Enjoying The Good Life in Panama My name is Kathleen Peddicord--publisher of International Living. For more than two decades, International Living has been the only company I've had the pleasure to work for. And during these years, I've enjoyed the privilege of visiting, exploring, and investigating dozens and dozens of countries I felt were potentially suitable as a place to live, retire, and prosper. Nothing I've ever seen compares to Panama. Not in the past, and not now. Panama remains 'the undisputed champion' of overseas havens. It truly has something to offer everyone. That's why I'd like to show you the quickest, easiest, and most affordable way for you to start a new life in Panama as soon as possible. It's called Panama: The Owner's Manual-- the most comprehensive, detailed, and useful guide on starting a new life in The World's #1 Retirement Haven. Panama: The Owners Manual is a comprehensive 225-page guide that contains the latest inside information researched and gathered by our team at the International Living Panama Office in Casco Viejo, Panama. When you read Panama: The Owners Manual, you're getting the inside scoop straight from a group of seasoned expats living in Panama full-time. It's their job to find out everything that's happening in Panama. You can leverage their expertise, experience, and resources when you read the newly-revised, completely-updated Panama: The Owners Manual. Unlike standard guidebooks that merely give you standard lists of places to stay, places to eat, places to see, the information you'll find in Panama: The Owners Manual will take your Panama Experience to a whole new level. How to find and buy the beachfront home of your dreams... how to start a profitable tourism business... how to take advantage of the world's best retirement program... ... and so, so much more. And we'll even tell you our favorite places to hang out as well. If one thing's for sure, we know the best local places to eat, drink, and be merry--places you probably won't read about anywhere else... In Panama: The Owner's Manual, you'll find everything you need to start living and prospering in Panama as soon as possible: : How to Apply For Panama's Unrivaled Pensionado Program. Qualifying is easy. But even if you don't qualify under the pensionado visa program, don't worry. Panama: The Owner's Manual will introduce you to many other extremely affordable and attractive programs you may qualify under. For instance, you can invest $40,000 in a government-approved project and within five years be eligible for a Panamanian passport. Or, with as little as a $10,000 investment you can start up your own business and gain residency. Panama's Secret Shangri-La. This hidden valley sits in Panama's lush and beautiful highland region. You take a ten minute walk from the nearby picture perfect riverside town...and you pass through a narrow passage and beyond you'll gasp with amazement as you enter a real secret Shangri-La... with it's own micro-climate... where spring reigns eternal. The valley sits in an area Modern Maturity Magazine named the "number one retirement destination in the western hemisphere". Property isn't as cheap here as it used to be, but remains a bargain. 'Not even the locals who live nearby in the old Colonial riverside town knew this place existed...' How to use Panama as an Offshore Money Haven. Open a truly private bank account... set up an offshore corporation, trust or private foundation and take advantage of privacy, tax and asset protection benefits... You'll get the names and full contact details of banks, advisors, lawyers... How to Reap Profits in Colonial Casco Viejo. Find out about the enormous investment incentives you'll get if you buy property in Panama City's Casco Viejo. This forgotten treasure of a neighborhood was once the cultural and political center of Panama City. UNESCO has recently declared it a World Heritage Site. It sits out on the bay and is currently undergoing a great new renaissance... We'll show you ways to profit from this neighborhood poised to boom. It's an urban investor's dream! Discover Panama's Booming Free Trade Zone. Panama's Colon Free Zone is one of the best places in the world from which to export--due to its strategic position as a telecommunications and transportation hub. You'll find out why this economic miracle is the second largest free zone in the world--next only to Hong Kong. However, it's mostly used by big business. Few realize that all the powerful benefits of the zone can just as easily be enjoyed by small businesses as well...we'll show you how... You'll learn the easiest and most economical way to set up shop in the free zone...We'll show you how to profit from the incredible tax incentives. You won't have to put a cent toward capital investment costs or overheads... and it can all be done with very few hassles... Explore Panama's Wild And Untamed Jungles... watch jaguars and pumas prowl just 40 minutes from the nation's capital...visit "The Island of Flowers," that has no cars... swim, surf, jet-ski and boat along the beautiful shores of Panama's Pacific Coast... go and see the howler monkeys on Monkey Island... explore historic ruins of the colonial era... dive for Sir Francis Drake's lead coffin (supposedly buried at sea near Portobello Bay)... see the rainforest in an aerial tram... discover the remote and mysterious forests of the Darien region right on the border of Columbia...come nose to nose with a red-napped tamarind monkey or a trio of colorful toucans... Explore Glorious Coastlines And Hundreds of Unspoiled Tropical Islands. Find out the best and most affordable places to buy beachfront property right now in Panama. On some coastal areas of Panama where big tourist developments have begun property prices have already sky-rocketed. Lots that once could be bought for $50,000 are now multimillion-dollar properties with palatial mansions on them. But don't worry; there are still a few areas that are poised to boom...and a select few beaches that are waiting to be discovered. And these are only a few of the world-class destinations we detail in Panama: The Owner's Manual. . Two IL Readers Discover Tropical Island Living John P. was an engineer with a waste-management business in San Francisco. His work took him to more than 50 countries, so it's safe to say he knows the world quite well. In 1999, he sold his business and retired to Panama. Now he and his wife Cheryl own a villa on the remote tropical island of Contadora, where they spend plenty of time relaxing each year. 'We thought we were buying a vacation home, but what we really got was a big new family of fellow island dwellers,' said John. 'When someone catches fish, it turns into a social dinner with the other residents. Back in California, I'm allowed to keep only two fish, and sometimes I don't catch any. For me, the fishing here is unbelievable! I catch something every time I go out... and it usually turns into a dinner party when I bring home the catch. I was going to buy a boat but I don't need to here. I joined the marina and someone is always ready to go fishing with me' Cheryl added, 'We can walk to the beach and usually have it to ourselves,' Cheryl added. 'But when we see someone else they're always friendly. On this little island we're all friends.' John and Cheryl are looking to buy a condo in the city, too, since they ve come to relish the cultural life of Panama's capital, Panama City. 'It's like San Francisco, but with better weather,' Cheryl says. 'We stay at a great little hotel that costs $45 a night. When our daughter visits we get a suite for $60! But we like it here so much we're going to buy a place of our own. That way we can have the peace and quiet of the island along with the great restaurants and nightlife of the city. ' When the Shah of Iran was exiled, he chose Contadora as his home. This exclusive island has been a secret destination of the super rich for decades. The crew from Survivor stayed here while shooting Survivor: Pearl Islands. Even though the rich and famous live and visit here, Contadora isn't pretentious .John extols Contadora's virtues: 'We were accepted here immediately. We feel like we fit right in.' Although this happy couple return to San Francisco often, they now consider Panama their home. 'We're now able to rent our villa when we are away. That just started by word of mouth,' Cheryl admits. 'We didn't plan it, but our friends want to enjoy the life we were telling them about, so when we're not here, we rent it to them. Not long ago, we rented the place to some Italian tourists. They loved it and stayed longer than expected. It's working out great for us.' Discover How to Start a New Life in Panama with Panama--The Owner's Manual Panama--The Owner's Manual is just $69--less than you'd pay for dinner and a movie for two in any major city. Order today and you'll own the most complete and comprehensive manual on how to travel, live, retire, and start a new business in Panama. You won't find a better value for this kind of specialized, detailed, step-by-step information anywhere else. Order Panama: The Owner's Manual, and you'll also get: A Primer for Panama Property Buyers Five easy steps to owning property in Panama. How to finance your Panama property purchase. How to use your IRA dollars to purchase property in Panama. How to obtain title insurance for your property... and who can provide it for you. What you can expect to pay when you buy real estate in Panama. How to own property through a corporation. Everything you need to know about real estate taxes. How to find an attorney who will make sure your property is transferred properly--and lists of experts who we have found to be honest, efficient, and affordable. How to Get Settled In And Start Your New Life in Panama How to find the best health-care professionals. What you need to know about health insurance. An easy and affordable way to learn Spanish. How to set up a virtual office. How to avoid culture shock... How to move your children to Panama (There are excellent schools in Panama for every budget and requirement. Even for middle-class budgets, private schools are affordable and many offer English as the primary language.) How to move your pets to Panama. How to move your household goods. How to Enjoy The Best That Panama Has To Offer Our Top 10 list of must-see sites and activities. Panama City's best bargain-hunting area. The best way to experience the Panama Canal. How to stay in a five-star hotel - in the middle of a rainforest! You can go river kayaking, lake fishing, rainforest hiking, and even on a night-time crocodile safari! How to spend the night at the foot of an 11,000 foot volcano. Where to see endangered plants, birds, and monkeys that exist nowhere else in the world. Where to snap up Panama's most famous handicraft. How to experience one of the last untouched wildernesses in the world. You'll find a rainforest so thick that the builders of the Pan-American Highway were unable to continue its path through the jungle here. Where to get pulled up a hill at 18 miles an hour, in neutral, thanks to a powerful magnetic field emanating from a nearby volcano. Where to enjoy some of the world's best sports fishing. Black marlin and Pacific sailfish are especially abundant here. How to ride an historic, 151 year old railroad through the heart of Panama (A small group of American companies recently bid and acquired ownership of the railroad--and they've spent upward of $60 million on the renovation--and it shows. How to Profit in Panama How to go 'offshore' with your assets--and why you should consider it--even if you're not a millionaire... How to take advantage of Panama's 'tax haven' status. How to build a tax-advantaged enterprise. Why building a simple guesthouse--or any other type of tourism business--could help you reap enormous tax benefits. How to receive A 20-year exemption on any import taxes due on materials, furniture, equipment, and vehicles. How to receive A 20-year exemption on real estate taxes for all assets of your enterprise. How to receive an exemption from any tax levied for the use of airports and piers. How to receive accelerated depreciation of 10% per year for your real estate assets. How to take advantage of 'The Colón Free Zone'--the second-largest duty-free zone in the world--and start your own exporting business... How to move your business to Panama's 'City of Knowledge'--the best business location in Latin America--and take advantage of its numerous opportunities. Strategies on doing business in Panama. How to open a corporate account. How to avoid mistakes in offshore estate planning. You'll even learn a little Español! As I mentioned earlier, it can prove to be valuable when you learn a bit of the local language. That's why we included an entire chapter to teach you what you need to know - especially in Panama. Here's a short excerpt from Panama--The Owner's Manual; Chapter 5: Hablas Español--at least try! Remember...you can use 'Buenas Noches' as both a greeting and a farewell. (In Panama, you will commonly hear native speakers drop the modifier. The greeting is simply 'Buenas' -- no matter what time of day it is.) This is just one of many insider Spanish language tips you'll get from this information-packed chapter. And the best part is it's immediately applicable. You could easily use every word and phrase in this chapter on your next trip to Panama. Nothing but bare-bones, survival Spanish here: You'll also get a list of several of our favorite Spanish-language schools in Panama. Order Panama: The Owner's Manual today and get a FREE bonus report: "Coastal Property in Panama: Your Dream Home From Less Than $100,000" Undisturbed paradise... I'd like to send you a FREE copy of a hot-off-the-presses report, just for giving Panama: The Owner's Manual a try. It's called Coastal Property in Panama: Your Dream Home From Less Than $100,000. And it tells you about the best places for retirement living on Panama's soon-to-boom Pacific Coast. Here, you'll find long stretches of sand, kissed by emerald and blue-hued water. Coconut palms... lots of pink, white, and beige seashells. And during the week, hardly another person in sight. Even on weekends, most of the beaches here are rarely crowded. Best of all, most of the most popular beaches are within a two-hour drive from Panama City. If you're into beach living, the lifestyle opportunities here really are extraordinary. In this special report, you'll discover the best beach towns to explore on Panama's Pacific Coast... and where you can find and buy affordable homes in these beach towns. You'll read about: The Perfect Part-Time Beach Home. With its incredible mile-long stretch of fine, white-sand beach , this beach stands out among all the others and is the most successful resort area in this region. It comes with all the trappings of a thriving, high-occupancy resort -- sparkling swimming pools, four restaurants, several bars, a nightclub, boutiques, and nightly shows. Plus, a nine-hole putting course, beach volleyball , tennis...and of course, the beach. Here you can own the perfect part-time vacation home: a two-bedroom, 1,160 square foot apartment--complete with appliances --for only $99,800. The Ultimate Tropical Hideaway. Play, relax, unwind, and recharge on this tropical island paradise. You can purchase a villa here, high on a cliff overlooking the Pacific Ocean, for a tenth of the price you'd expect to pay for a similar property on exclusive islands in the Caribbean. You can own a one-bedroom house for only $147,500; a pair of two - bedroom houses for only $175,000 and $195,000 respectively; and a three-bed room villa for only $245,000. But hurry... there are only a few of these units left. The Most Promising Renovation Opportunities. This property features an open kitchen/living room plan, two bedrooms, and one bathroom. There is also an outdoor shower, a nice barbecue area, and a lovely cove red patio, used now for hammocks. Although it could use a little cosmetic work and new furnishings, the upside is that the lot is huge, with many mature trees. And it's priced at an amazingly low $59,000! 'The Island of Flowers' If you like peaceful island living, you'll want to check out this island, just an hour away from Panama City by ferry. Affectionately known as the 'Island of Fl owe rs' for its colorful tropical blossoms, this is a place to relax and enjoy the sun and water. This quiet little island (there are no cars, no shopping malls, no upscale hotels, and no restaurants. Here you can own a 1,075-square - foot , two - bedroom , two - bathrooms, fully furnished with a nice balcony and an ocean view for only $75,000. And this is just a small sample of what you'll find in the special report Coastal Property in Panama: Your Dream Home From Less Than $100,000. Read this report and you'll discover several more hidden gems along the Pacific Coast of Panama... an up-and-coming hotspot we're most definitely keeping our eye on... And this special report, Coastal Property in Panama: Your Dream Home From Less Than $100,000, is yours FREE just for giving Panama: The Owner's Manual a try. Explore Panama Today Like everything IL publishes, Panama: The Owner's Manual is covered by a 100% Lifetime Guarantee. If at any time you aren't satisfied with the report, you may return it and we will return your payment in full (less shipping and handling). We will return your payment in full, no explanationa required. That's my personal promise to you. Trying to find this information elsewhere would be next to impossible - but once you have International Living's Panama: The Owner's Manual in your hands, you'll have everything you need to know about traveling, living, investing, and retiring in one of the world's most beautiful, exciting, and most inexpensive destinations in the world. Getting started on the road to Panama is easier than you think. Discover how International Living's Panama: The Owner's Manual can start your new life in "The World's #1 Retirement Destination" by ordering your copy today. Receive Exclusive Discounts You Can Join Club Panama FREE OF CHARGE - TODAY! Order Panama: The Owner's Manual today and you'll also get a complimentary charter membership into the all-new Club Panama-- the first and only IL in-country concierge club in the world. Membership in Club Panama gives you complete access to our experienced team of in-country, on-the-ground experts - expats themselves living and working in Panama. Our Club Panama team makes sure that you're among the first to know about the latest discounts, bargains, and special offers relating to Panama's retirement living, real estate, and business opportunities. Club Panama members: Save up to 50% off first-class accommodations at more than a dozen top hotels and resorts throughout Panama. For example, if you stay a week at the InterContinental Miramar hotel, you could save up to $1,125 as an International Living VIP. Save up to $10,000 or more on future real estate purchases in Panama. Save up to 20% on restaurants, golf, and luxury spas - all over Panama. Receive exclusive discounts on real estate in Panama. We continue to scour the country on your behalf ensuring you hear about the best opportunities first, and you get your Club Panama VIP discount. Before we move on, let me show you one example of how much this exclusive benefit (receiving exclusive discounts on real estate) can be worth to you... Tucan is a 180-acre gated residential community with a rainforest on one side and the Panama Canal on the other. It's got access to healthcare, restaurants, exciting nightlife, national and an international airport only 15 minutes away. Some of Panama's best beaches are less than an hour away from Tucan. Tucan has the only golf course in Panama City - an 18-hole, par 72 championship course, designed by Jeffrey Myers. And every one of the 424 residences at Tucan Country Club gets an unobstructed view of at least one hole of the golf course. Pricing starts at $199,000, a bargain compared to most golf communities in the USA. Should you purchase one of these residences, you'll enjoy a 1.5% savings as a Club Panama VIP - and save at least $2,985 on your purchase. That's enough savings to employ a full-time maid in Panama for over two years. At our most recent Live & Prosper in Panama Conference, several attendees saved over $10,000 simply for being members of Club Panama. As a member of Club Panama, you'll also get a free consultation from one of our local experts to discuss everything you want to know about living, investing, retiring, and saving money in Panama. The best news of all? You can join Club Panama - at no additional cost - simply by ordering Panama -- The Owner's Manual today. The Time to Consider Panama is NOW!!! Prices will likely never be this low again. As London's Daily Mail stated, 'Property prices are predicted to rise by 400% over the next four years...' That's why I recommend getting a head start and beating the others-- before they snatch up Panama's last remaining property bargains and drive property prices sky-high. Don't delay and miss out on these great ground-floor opportunities, as other readers have regretted doing in the past. Expect these new places to experience the same kind of growth and success as the many other havens we've recommended in the past, like Costa Rica, Belize, and the Costa del Sol in Spain. Once the new havens we reveal in Panama: The Owner's Manual receive more and more press, the crowds will follow...and so will the rising prices...