Moving to Panama

"Travel as light as you can. Open yourself to the experience of daily life where you land. Don't choose a permanent base-of-operations until you have considered EVERYTHING that is important to you, and that you've been to other areas of Panama. It's a small country with amazing diversity. Give yourself the opportunity to experience the banquet!!!," remarked one expat who made the move to Panama City.

"We visited here many times before moving and stayed in different areas each time. There are 13 micro-climates here and they vary greatly. Some roads are not good so that may play into housing decisions too. Temperatures vary, even 5 minutes away can make a big difference. There are also areas that get extremely windy in Jan-Feb. Rent before buying," explained one expat living in Boquete, Panama.

"Come and visit several areas before making the move. We have snakes, though I haven't seen one yet. We do not have mosquitos. If you select an International Mover, avoid Move Management. They are very efficient on the US side, but they use PIR on the Panama side. PIR can't create a ACH to withdraw funds from your checking account, nor can they swipe a debit or credit card. As Manny Rojas in Miami,says, you can always pay in cash. (his relatives in Panama City run PIR) If you do not have two thousand in cash it may take you nine days to get the cash from an ATM, meanwhile, port charges, at $50 per day, keep mounting. I was withdrawing from 2 different banks in the US banks on a daily basis. BTW, every ATM here spits out $20.00 bills. You may have to fight with your US bank to make them understand that there is no Foreign Exchange issue in Panama. Mastercard charged as much as $12 foreign transaction. They have since reduced those fees to $5 or $6. Visa charges $4. If you don't have a place for your goods to be delivered, PIR charges $500 per month or any portion thereof, even one extra day will cost you $500.00. One more thing, if you send them a wire transfer, their bank charges PIR $90, which they will gleefully pass on to you. Bring buckets of cash or avoid Move Management. Your local US contact will drop you like a hot potato as soon as your goods are on the water. There is a storage place on the way to Boquete called Chiriqui Storage run by Hellmut and Linda Pederson. One good sized locker is $100/mo. A 20 ft. container would take two lockers," said one expat in Alto Boquete.

"Definitely rent. When you find a short-term rental you really like and you demonstrate to the owner that you can be trusted they will probably let you reserve it a year in advance. That’s what we do, but we are considering the possibility of looking for a yearly lease which might cost about the same as 4-6 months short term. It would have to be a place where the owner lives nearby and can keep an eye on things. The advantage would be that you can furnish it the way you want and keep your stuff there when you are away. As far as I can see that would be cheaper and more convenient than buying," said one expat who made the move to Panama.

"The best thing I can say about my apt. is that I know where my leaks are. 7 or 8 months of rainy season - sunny mornings, you get out, do your errands early, then afternoon showers. It took me two years to know that Windex kills ants. Silicone seal around EVERYthing. Neighborhood - we got lucky. We chose the apt., and were clueless about the neighborhood, except the info the broker was pushing," explained one expat living in Panama City, Panama.

"One of the most popular ways to go about finding a place to live in Panama is to contact a real estate agent. Real estate agents have up-to-date databases on listings and can help you find something that fits your needs. Additionally, you can use online property listing services such as Pana Network and Encuentra24 to browse through property listings offered in Panama. You can narrow down your search by location, price, size, or amenities. You may also be able to find available rentals through online expat forums, social media, and other expatriate websites. You may want to consider visiting the location if possible to get a feel for the area and evaluate whether it meets your criteria," said one expat in Panama.

"Originally the view was unobstructed. But immediately around our apt. are schools, Atlapa, a large supermarket, a police station, community pool...things that will not get bought out and have a highrise pop up," remarked one expat who made the move to Panama City.

"We live in a spacious one bedroom apartment across from the ocean for $400 a month. There are people who live in smaller cheaper places more inland and folks who live out on the water in larger homes for more money. Typical is what fits you," replied a member in Bocas del Toro.

"Expat homes and apartments in Panama tend to vary greatly depending on the location and the particular preferences of expats. They often feature high-end amenities, such as pools, terraces, and modern appliances. Most expat homes feature multiple bedrooms, large bathrooms and spacious kitchens. Expat apartments may be equipped with security measures and a concierge service as well. Some expats opt for homes or apartments that are located close to beaches or other tourist attractions, while others choose to live in more secluded locations. No matter the type of property chosen, expat homes and apartments in Panama tend to have comfortable, luxury appeal," commented one expat who made the move to Panama.

"In a highrise, and that was after living in a home, on the ground, in California. Never dreamed I'd be going vertical again. But it has safety advantages, especially in a building that has a good, stable reputation," remarked one expat in Panama City, Panama.

"Very few homes in El Valle have air conditioning because it is generally not necessary here. The elevation of the mountains makes El Valle a bit cooler than coastal locations. Also we have very few, if any, gated communities here. Most homes are privately owned in residential areas. I hope this is helpful," said one expat in El Valle de Anton.

"We are renting a home. It is typical housing; concrete outside. This home has a lot of wood including ceilings. We just paid for an exterminator to gas the house. It is large. It has 4 bedrooms, one barely larger than a closet. The kitchens in older homes have no drawers. Think table service settings. Small countertop, limited storage in overhead cabinets. My eating area has steel shelving that I brought from the US. It provides storage for the mixer, baking equipment extra dishes and bowls. It's has a very Restoration Hardware look about it. I think that new construction has limited storage space as well. If you have books or dvds, buy shelving. Linen closets often don't exist. I store my linens and fabric in antique suitcases. Even if you buy kitchenware in Panama, you have to store it somewhere," remarked one expat who made the move to Alto Boquete.

"Electricity more, especially when fuel prices soar. Cable is same. No ppty taxes, but now have $400 a month maintenance in the bldg, which includes water, garbage, common area items. When I look at check registers from California, I'm reminded that we paid a monthly (smaller) fee, but paid for garbage removal, gardener for back yard, all utilities, cable, phone. Here I can live with a cell phone only," said one expat who made the move to Panama City.

"About rents that is one big advantage of Panama. Rents have sky-rocketed in the USA but they are still reasonable here. You do need to do some looking. I would recommend staying in an airbnb place for a couple of weeks in the area that you like so you can take your time looking for a place to rent, If you are going to rent long term it is probably cheaper to buy your own furniture and rent an unfurnished place," explained one expat living in Panama.

"Actually, they are comparable! I came here from living in Phoenix for the last year. Had to be very fiscally conservative there-just another victim of the economic debacle-and so I am prepared to continue this ecomically challenged life-style. It is what it is! Panama offers such an amazing variety of natural riches,that I feel quite wealthy! And grateful for this opportunity to live a different kind of life and blessed to be here," said one in Panama City.

"Monthly rental is $905.00 per month cheaper. Housing here is between $600 $700 for two bedrooms. There are real estate people here who will find a house or apartment for you. Be prepared, every local has his hand out. Everyone from the cab drivers to our exterminator will offer to find a house for you. They have contacts and get commissions. But make no mistake, the Panamanians are all good-hearted and mean well. Sometimes strike gold," explained one expat who made the move to Alto Boquete.

"Our housing costs are about a third of what we spend in the US. You can get a nice simple apartment for 300 and up or a home for 500 and up. We live on an island so you are never far from the ocean,," explained one expat living in Bocas del Toro, Panama.

"Yes. a condo. Process is kind of sloppy. A bit tricky. Need a good attorney. a lot of patience," replied a member in Panama City.

"We bought our home and turned half of it into a vacation rental (Tres Terrazas). We used an attorney for this as we were conducting the purchase from the states with emails, faxes, federal express and bank deposits. Not really that difficult but we had a great attorney," commented one expat who made the move to Taboga Island.

"Brought: books, DVDs, no printers or fax machines. Wish I had left at home: a HOME. Not having one Stateside means mail forwarding only, not having a state to claim residence in for Medicare, voting, getting mail delivered, and perhaps a relative sift through the mail and scan me only important papers. Don't bring wood furniture - the tropics call for their own woods. NO metal anything - file cabinets, etc. And don't store in highrise depositos - they're greasey and dirty. Tape any boxes on all seams so the contents stay clean," remarked one expat in Panama City, Panama.

"I brought everything I wanted. Especially specialty items that are harder to get here since I am a cook. My husband brought his tools. I brought too many clothes. I am glad I did not bring my furniture. We live in shorts and flip flops and little dresses. We shipped everything down in a shared container for a very reasonable price," said one expat in Bocas del Toro.

"Pack your Amazon Prime membership. And get a good freight forwarder here for deliveries in Miami. You can buy a lot of stuff here when it is available. If you don't live in a large city, Amazon is the way to go. Bring decent lightbulbs. The ones here are sadly lacking. They are all on some sort of wattage deficit. I brought my washer and am glad I did. If you like electric stoves or grills, bring those. Amazon firestick is good. A good fan. Most fans here last about 6 months. A dehumidifier is a must. I think they are cheaper in the states than here. If you live in the mountains bring a portable heater. There are mornings that you will be glad you did. One merchant where I live brought in a handful of heaters. His family laughed at him. In the twinkling of an eye, all heaters were bought. Can't find any here now. The heaters are not only good for providing a little heat, but they also dry a lot of the early morning humidity. You want to lessen the humidity in your house to save your clothes and appliances. Appliances decay rapidly in high humidity. If you can afford to run an air conditioner all the time, then don't worry about humidity. Of course, you will need a generator to keep the AC on when the electricity is off. So bring one or two of those with you. Bring any thing of personal comfort and joy. They will ease your transition by making you feel more at home," remarked one expat who made the move to Panama.

"If moving to Panama, it is recommended to pack (weather-appropriate) clothes for hot and humid weather. It might be helpful to also bring items like rainwear, hats, and sunscreen for the hot, tropical climate. It is also wise to bring comfortable shoes suitable for adventure and exploring. Additionally, basic supplies such as toiletries, medications, and a reliable flashlight are highly recommended, especially if living in a rural area. If bringing electronics, ensure they are compatible with the electrical outlets in Panama, which use the type A and B plugs. Having photos of family, friends, and home could also be beneficial during the transition," said one expat in Panama.

"Panamanians are very tranquilo people and willing to help. If you are politely sincere, they will overlook any faux pas. However, don't mistake kindness for weakness. Panamanians are also tough. If you approach them as a superior jerk, you will get the jerk treatment. One of the things I love most about Panamanians is their insightful sense of humor. It is quite sophisticated. My Spanish is not good, but our joint sense of humor supersedes all language barriers. Just be good and relaxed," commented one expat who made the move to Panama.

"Not officially asking my girlfriend out was one. Apparently you have to do it formally one night. Went 6 weeks with a girl, didn't ask her out formally (because you would assume that's it) but you have to ask here to officially make you exclusive boyfriend and girlfriend! who knew..," remarked one expat in Panama City, Panama.

"Here you have a slower, more rural life-style, with nearby little-used beaches and modest cost of living. There is a restaurant called Smiley's where expats tend to gather. And November 25 there are wonderful parades and traditional dress. In February for carnival the dress is modern and parades and floats resembling Rio. There is a health clinic in town where you can consult a doctor for $2.00, or you can drive into one of the bigger cities like Chitre (1 hour away) for specialists. The weather is temperature consistent, but from December through April it is DRY, whereas May through November it rains a lot, but still with quite a bit of sunshine," stated one expat who made the move to Pedasi.

"I am living in Nueva Gorgona for multiple reasons. I looked at Coronado first but I like the small town and local cultural feel that in Nueva Gorgona gives you. I believe prices are less than the weather going to be in the Coronado. I’m renting a two bedroom one bath apartment for $800 a month very close to the beach with an ocean view walking distance to numerous restaurants and small markets. I really enjoy getting to know the locals very friendly and gracious people here," remarked one expat in Nueva Gorgona.

"Healthcare services in Panama are generally of a high quality, with both public and private options available. The public healthcare system is funded by the government and is free for all Panamanian citizens. It is also available to foreign residents, although they may have to pay a fee. The public healthcare system is generally of a good quality, with a wide range of services available. Expats in Panama can use the public healthcare system, although they may have to pay a fee. Private healthcare is also available in Panama, and is generally of a higher quality than the public system. Private healthcare is more expensive than the public system, but it is often preferred by expats due to the higher quality of care," said one expat.

" We have found the quality to be better than what was available was in Oklahoma, the price is definitely less, the doctors spend a lot more time with you and actually care. ," said one expat living in Panama.

"The Clinic in Horconsitos is open only part time. Additional Clinic is available M-F in San Lorenzo. Otherwise a trip to Davis is required, 1:15 minutes away from home," wrote one expat living in Boca Chica.

"Panama has a well-developed healthcare system, with both public and private hospitals and clinics providing a wide range of medical services. The country has a number of highly-trained doctors and specialists, and many of the larger hospitals offer advanced medical treatments and procedures. In addition, Panama has a number of medical tourism options, with many people travelling to the country for medical treatments and procedures that may not be available in their home countries. The cost of medical services in Panama is generally lower than in other countries, making it an attractive option for those seeking medical care," commented one expat who moved to Panama.