I have returned to Boston from my little junket down to Panama. It is official – I have established my residency in Panama. When I stated in my Facebook post that I was going to Panama on personal business, the business was to establish my residency and that was accomplished. I am now the owner of a shiny new, temporary residence card for Panama and the permanent one will be available in three or four months, at which time I will zip down to Panama again to pick it up. After that, I can stay in Panama as long as I like – or not! One of the attractive things to me about the residency visa in Panama is the simple fact that as long as I visit the country for a couple of weeks out of every two years, I will be able to maintain my residency. The other attractive thing about Panama is there is a way I can get a visa for my daughter, Jordan, should that need, or desire ever arise. A visa for her is a little more difficult than mine, but it is doable, nonetheless.

The process for getting my “Pensioners Visa” was simple and straightforward. The requirements are minimal. It requires a verifiable monthly income of at least $1,000 (which presumably most Social Security benefits would meet) and a clean FBI background check. That’s it! I worked with a law firm in Panama that I met through the International Living organization that I belong to. Their fee was $2,450. And while that might seem high, I assure you, it will make your life so much easier. They have been in the business of doing visas in Panama for years and they were a pleasure to work with. If anyone is interested, I can certainly provide their contact information.

For me, I just wanted to put an option in place should the need or desire ever arise to live somewhere other than the United States. I had originally set out for Portugal (and that could well be my next project) but there were some issues and requirements for going that route which made it not the best choice at this time. Panama was far easier. The way the world is going these days, I’m a great believer in having options.
Now, my impressions of Panama. First of all, the biggest challenge for me is simply the hot humid climate. It is, after all, in the tropics. It reminded me of when I was living in Hawaii but without the fairly constant trade winds. There are places in the country where the climate is a bit more temperate. There is a very large (about 5,000 people) expat community in the city of Boquete up in the mountains. The town is only about 25,000 people so 20% of the population there are expats from various places – U.S., Canada, Europe, etc. I hope to visit the next time I’m in Panama but its about 300 miles from Panama City – either a long drive or a short flight to a nearby city.
Once you get used to the weather, it is very livable. The currency is the US dollar. Panama has their own coins which are equivalent to US coins, but they don’t even issue their own paper currency. If you go to an ATM, you get dollars out. If you go to the supermarket, you pay in US dollars and get change in US dollars. There is no currency exchange. Likewise, the power grid in Panama operates on 110 volts, 60 HZ just like in the US. They use the same plugs. If you can plug it in here, you can plug it in there.





In Panama City, the traffic is like in any large city and can get congested at times. It is certainly not a place to drive if you are a timid driver. And there are small motorcycles and scooters everywhere! That said, Uber is alive and well in Panama City and is efficient and reasonable. In addition, they had a nice security feature which I’ve not seen elsewhere. When you order an Uber on the app, you are not only told the make, model, and license plate of the car, but are also given a 4-digit PIN number. When the car arrives, you need to give the driver the 4-digit PIN. That way, the driver knows they have the correct passenger, and you know you have the right car. I thought that was pretty cool.
Taxis are available but they have a reputation for taking advantage of gringos who don’t speak Spanish. I did use a taxi once returning from the US Embassy, but I followed the rule – make sure you agree on the fare BEFORE you get in the car. My Spanish is minimal, but I was able to communicate enough with the driver to agree on the fare. I knew about what it should be because I had taken an Uber out to the Embassy. Once we agreed, the driver took me directly back to my hotel.
One can get by without Spanish in Panama City and probably in most resort areas but the more Spanish you know, the easier it will be. Like I said, my Spanish is minimal, but I got by just fine. However, I intend to continue to try to work on my Spanish (and my Portuguese and French!) I know just enough to squeak by.

Everyone is always interested in the question, “Is it safe?” Panama City and the country, in general, are just like other places in the world – you just have to be street smart, know your surroundings, and understand there are places you don’t go. That is true in Boston, New York, Los Angeles, Chicago, and most major cities around the world. Panama is no different. The fact is, I walked around the neighborhoods where my hotel was located, and I never felt uncomfortable even walking up the street at night to go to a restaurant or an ice cream shop. And, trust me, as a 6’2” white guy, I did not blend in at all. I stuck out like a sore thumb, but I never felt uncomfortable.
Many North Americans retire to places like Panama and Costa Rica because the cost of living is less than in the US. International Living has stated many times that a couple can live quite nicely in Panama for $2,500/ month. I didn’t personally verify that, but I will simply pass along that I stayed in a nice hotel that had a very good restaurant and I paid $98/night – a varying sumptuous breakfast buffet included every day.
Panama is clearly a country in transition. They have some spectacular modern architecture and places where sidewalks are crumbling, and buildings are clearly old and in need of repair. Will things look and operate exactly as they do in the US – sometimes yes and sometimes no! You’re not in Kansas anymore!! But if you can adapt to the climate, it is certainly possible to live nicely.
Next time I’m in Panama I hope to visit an area up near the border with Costa Rica, Boca del Toro, which has become a resort hot spot. Crystal clear water, great scuba diving, beautiful beaches – sounds like its worth a look!!
I set out to create options for myself and my daughter and I have done that. Should the need or desire ever arise to live somewhere other than the United States for whatever reason, I have done that. Will I ever live in Panama full time? I don’t know. However, it is nice to have the option. And now I do. And I can put another pin on the map!
And speaking of new pins on the map, in about six weeks I am off again to a place I have never been. Stay tuned! This one is likely to be a real adventure!