What Have We Been Up To?

We love our home in Panama and are always waiting in anticipation for our next adventure. Having been in the United States for the Christmas and New Year holidays, another trip north was not on our radar. While we visited during the holidays, we were realizing the opportunity for investment in Florida real estate. My sister, Melinda is an agent in Punta Gorda where she and my dad both now live. She was telling us of the thousands of people who are relocating to Florida because of the positive handling of the COVID crisis and the particularly good political environment. With the huge influx of people relocating there the real estate industry has almost no inventory. I mentioned to her that we were anxious to get some of our money out of the stock market and park it in a hard asset. I asked that she keep her eye out for something that may meet our need in the way of a condo. In May she contacted us with a possibility.

The condo that she found for us was in our price range and showed pride of ownership. The systems and appliances were all recently updated, and it was recently repainted top to bottom. She immediately gave us a video tour and we made an offer. We were competing with other potential buyers, but our offer was cash with a guaranteed 15 day close. The elderly seller was happy to accept our offer which gave her a quick easy closing. We waited for the inspection report, which revealed almost no issues, and booked our trip to Florida to close on our new investment.

We did our own final inspection the day before our closing and found it to be very much what we expected. It is less than 15 minutes from my dad and my sister in nearby Port Charlotte. We found it to be very convenient to restaurants, shopping, churches, and the harbor. The community is quiet, and our neighbors were very welcoming.

Our Port Charlotte condo
Our Port Charlotte condo
Our Port Charlotte condo
Our Port Charlotte condo
Our Port Charlotte condo
Our Port Charlotte condo
Condo common area

We settled in and did a little redecorating. We prepared the unit for a potential tenant during the high season in Florida. We equipped it with fresh linens and replaced the small appliances in the kitchen. We purchased cookware and a couple of pieces of furniture. By the time we were through it proved to be wonderfully comfortable.

By the time we left to return to Panama we had secured a tenant for the high season and are pleased with our new investment.

While we were in Florida, we were terribly busy. We registered to vote, got drivers licenses, celebrated a couple of important birthdays, helped my dad with a project, celebrated Father’s Day, and got our COVID shots. In addition to all of that we made sure that everything worked properly in the condo. We also made a trip to Michigan to visit with friends and family.

I wanted to report on the vaccination process in Panama, but had we waited for our turn to get it here we would still be waiting. The process in Florida was quick, free, and simple. We made our appointment at Walgreens and the process caused us no stress whatsoever. By the way, it is important to note that when we were returning to Panama, we got our COVID test free at Walgreens as well. That process also requires an appointment, but it was also easy. We made the appointment on-line and were directed to go through the pharmacy drive through at our appointed time. Once there, they passed the swabs through the window, and we were instructed how to swab ourselves. Another important note here is that neither of us had any side effects from the vaccine. I know that there is much controversy regarding the vaccine, however we did our own research and made the informed decision that it was right for us to vaccinate. We got the Pfizer vaccine, and we both agree that we feel much safer having gotten it.

When we arrived in Florida it was Memorial Day weekend, and every place was hopping. The first thing that we noticed was that mask wearing was nearly non-existent. With the majority of the Florida population vaccinated the mask mandate is optional. It was not hard to get used to NOT wearing a mask everywhere. We still exercised caution until we got our second shot. I got some great pictures over the long weekend.

Memorial Day at Laishley Park
Sunset at Gilchrist Park

It was that first weekend that we celebrated my dad’s wife Renee’s and Jen’s birthdays. We went to a Carmelo’s Italian Restorante in Punta Gorda (Renee’s favorite) and had an awesome celebration with the whole family.

a birthday celebration

You may imagine that that first full week was perhaps the busiest of all with closing on the condo and getting it equipped. The truth is that it was perhaps the easiest of the 5 weeks we spent on the ground.

The second full week we flew to Michigan, rented a car and couch surfed around the state visiting friends and family. Our first couple of days we spent at my mom’s house in Cedar Springs. She and Rich were gracious hosts, and it was a thrill to have the opportunity to see their new house. Mom planned a BBQ for Hope and family which was so nice. The rest of our stay we visited and relaxed.

Hope, Jeremiah, Victoria,            Nellie, and Jameson
Impromptu book signing

By the beginning of the third day, we were on the road to Jen’s brother’s house on the east side of the state in Clarkston. Bill and Deb also did a great job of showing us a good time.  They planned a cook-out and invited all of Jen’s local family. That gave us the opportunity to see and visit with our nephews, Cullen, Donovan, Connor, and Connor’s wife Olivia. After dinner they staged an impromptu book signing that was so cool. I remain honored by the love and support that family has shown for my book.

Check out future newsletters for some great individual fan photos that I got while on the trip. If you are not getting my newsletter on Monday mornings, and would like it, sign up here. You will see the archive page of past newsletters. Scroll to the bottom for the sign-up. I have been working hard to improve the newsletter since returning to Panama. While traveling we ran into some technical challenges that caused me to miss a few weeks, but we are back on track now.

After a couple of days with Bill and Deb we ventured to our old stomping grounds and visited with our good friends Linda, Ron, Ray, and Diane. We had a nice dinner with the four of them at Black Rock in Kalamazoo.

a time to catch up with old friends

We had a wonderful meal and spent some much-needed time catching up. Later in weekend Diane and Ray hosted us for a great dinner and boat ride at their place. Mom and Rich came down and we all relaxed and had a great day. On Sunday we returned to Florida.

I addition to boring you all to death with the details of our month, I wanted also to provide valuable information. Post COVID, rental cars are in noticeably short supply across the United States. If you find yourself in need of a rental, be prepared for the price. Our rental car in Michigan for a week with limited mileage was nearly $500. When in Florida we were able to use my dad’s car. Our initial estimate to rent a car for the whole stay in the states was nearly $3,000. That was cost prohibitive for us. When I complained about the exorbitant rental car costs at the rental counter, the clerk would only say that they were unable to get new cars because of manufacturers shortages. She told me that they sold a lot of cars during the pandemic.

For me, the pinnacle of our visit to the states was the wonderful Father’s Day celebration. Our kids started arriving in Florida on Wednesday, and by Friday night all 3 girls and all 4 grandkids were there for the celebration. Jen and I vacated the condo and let them have run of the place.

Friday, we took everyone to the Shell Factory in North Fort Myers. We did not know exactly what to expect, but I think it was a great time for all the kids. First, we went to the animal preserve where all the kids were able to get up close and personal with many of the animals. After that we had a great lunch, played mini golf, ziplined, and toured the gift shop.

Mister Tree says welcome to            The Shell Factory
Quiet please…we don’t want to                           wake up the dinosaur.
Lucy loves the carousel.
The peacock is giving us a show.
Jameson feeds the birds while                             Nellie and Lucy look on.
Victoria, Jameson, Nellie, and Lucy pose in front of the Dinosaur exhibit.
Jameson, Nellie, and Lucy are                        hatching from dinosaur eggs.
Hope and Nellie on the zipline.
Kara and Lucy on the zipline.
Victoria and Jameson on the zipline.

Between all the other events we had plenty of time in the pool at the condo. We also had a great pizza party, went to Gatorz, and checked out the Peace River Wildlife Refuge. On Saturday the kids went to Gilchrist Park with a photographer to have a family picture taken for dad and I. They managed to have the pictures developed and framed to give us at our Father’s Day luncheon.

Kara, Lucy, Jennifer, Hope, Jameson,                                           Victoria, and Nellie
Lucy wanted to kiss the gator

On Father’s Day my sister arranged our luncheon at Laishley’s Crab House. We all had a nice time with great food, followed by a trip to the beach at Ponce De Leon Park where we grabbed some more awesome pictures. This time was super special for my dad and I as we rarely have this whole crew together in one place. In addition to the picture of the kids and grandkids, I got a subscription to Story Worth. They are sending me a writing prompt every Monday. I will be writing on the weekly prompts and returning the work to Story Worth where they will put the whole thing in a book at the end of the year. I guess I am writing my 2nd book. I am still trying to decide if any of it will end up in future blogs or newsletters. Let me know what you think! If a Story Worth subscription is something that interests you for yourself, or a gift, see tomorrow’s newsletter for a link to a valuable coupon.

Story Worth
Dad, Melinda, and I
Dad and Renee at the beach
Jen, Hope, Kara, myself, and Jennifer
Jennifer, Hope, Kara, and I

When all the kids left and the dust settled, Dad and Renee took Jen and I to the Elk’s Club for Chicken and karaoke. We enjoyed the setting on the Peace River while listening to some of the most talented people I have ever heard sing karaoke. These people were so good that I almost forfeited my chance to sing. At the end of the day, I did sing as the sun was setting over the Peace River. Thank-you dad and Renee for hanging around and treating us to a great time while I waited to sing.

Dad, Renee, Jen, and I                                      Beautiful evening on the Peace River
Dad and Renee

When it came time to go home to Panama, we were both excited to sleep in our own bed. I was asked what the first thing I wanted to do when I got home after 39 days away was. I had a hard time coming up with a response. There were so many things I missed. I think mostly I just wanted a $5 haircut from my favorite barber and to start planning our next big adventure. Finally, I think we are going to make it to the archeological site near Penonome’. Stay tuned.

Going home
Getting a haircut

If you have been enjoying the blog, but are not subscribed, please hit the subscribe button and we will let you know each time a new post is published (about 10 times per year). We will not spam you or share your information. It is really cool when people hit the like button, share and/or comment. We love you guys and hope to see you soon here in paradise.

Blessings,

Greg and Jen

2 Retire In Panama? celebrates its 1 year anniversary

It was an easy decision for us to decide to retire in Panama. We continue to learn; and will continue to share. We just renewed our domain for 5 years and will continue to operate under the same address even though it is no longer a question for us. We realize that many of our readers are doing their own due diligence and are reading for information. We have shared our experience and it is mostly positive. For those following along who want to learn from our mistakes, we are trying to share those as well. We have done extensive research so, fortunately our mistakes have been few. We are currently on the ground in Panama. We have completed the visa process and are officially expats in Panama. Our visa is issued based on a pension we receive in the States. The Panamanian government gives us a ton of perks to get us here spending the pension. Please, feel free to check out our archive post from November 2017 Pensionado Visa Process to get a feel for the visa process and the benefits. We are finding that the whole thing is very much as we expected. Keep in mind that we used a very reputable attorney for this process. The government does frequently change things here so when things change we just have to accept it. We also have to learn how to take full advantage of our discounts. One example is Copa Airlines. They offer a 25% discount for expats with a pensionado visa. You have to purchase tickets in person at a Copa ticket counter or a sales office. This was one of our hard lessons. We purchased tickets on-line to return to Michigan in a few weeks and went to a sales office within 24 hours after purchase to receive the discount.  Because we had already paid for our tickets, Copa would not give us the discount. Lesson learned…cost $320. We have responded to every legitimate question from our readers. If you are interested in a recommendation about anything we write about, send a message and we will do our best to accommodate.

We are hesitant to say we are fully moved from the States, as we still have our home there so officially we have two homes. The sale of our house in Michigan was solid and after almost six weeks our buyers financing failed. We lost the most valuable window of time to sell lake property in Michigan. With the home back on the market we are committed to making frequent trips back to keep things moving along. In Panama, we are renting. This takes the financial sting out of the fact that our Michigan house is still not sold. To put things in perspective for cost: we save enough on insurances in Panama to more than pay our rent. Really, nothing here costs more than in the States, except maybe electricity. Yesterday I bought 2 pairs of flip-flops and 3 t-shirts (practically all I wear here) for $9.58. Groceries cost about the same. We get a lot of fresh seafood and there is very few preservatives in anything. We find vegetables at the market straight from the farm. We get fruit (pineapples, melons, avocado, bananas, etc) at stands along the roadside. Our lifestyle/diet is better with very little effort.

Delicioso
fresh catch of the day
fresh vegetables

We have started settling into the community here. Coronado Bible Church has provided us with relationships that extend far beyond the community of faith. We have been able to find English-speaking people to refer us to nearly everything one needs on a regular basis. Yesterday we had our car serviced at a shop owned by an American family. They did a great job. We have also attended a couple of meetings of English speaking business owners here on the Panamanian Riviera. These meetings are intended to help people like us find local vendors who make it easy for us to live here without speaking much Spanish. Even though it isn’t really a business, the folks in this group are showing a great interest in our blog. We are connecting with our Panama insurance agent later this afternoon. It appears by the quotes we saw, that we will be insuring our car (full coverage) and getting a renters policy for a total of under $600 per year.

We have been able to go into Panamanian businesses and successfully communicate. We bought a 2nd key for our car at the Nissan Dealership yesterday. Some things are not without challenge. The key had to go to a locksmith to be cut. We will have to return to the dealer to have the key-fob programmed.  The dealership is over an hour from our house and we had to schedule an appointment for the programming. Our cable speed was 5mb and we were having a bit of trouble streaming U.S. TV programs. A visit to the cable company proved to be a challenge, but we were able to up our speed to 100mb for about $10 per month; problem solved.

CableOnda

In our last post we alluded to having to renew our drivers licenses. We bravely went to SERTRACEN (Panama’s DMV) to renew our drivers licenses. Without an interpreter, we had success. There was no English-speaking people in there, and we were able to make ourselves understood. Jen is much better at this than I, but we are both working on our Spanish daily.

Our visit to Sertracen
Panapass installed
Installation Center at Panapass

One other experience that merits mentioning is our trip to Panapass. Panapass is the toll tag for toll roads here. There are no attended lanes so it is important to have this for using the toll roads. We had to go to the place in order to have a new tag installed on the car.  The story was the same there and we found nobody who spoke English. We got it done and set out for our commute home. The traffic had cranked up pretty bad and it was difficult to navigate out of the place. Using our navigation app Waze, we went right through a transportation hub. There were hundreds of buses, taxi cabs and people walking everywhere. Waze kept taking us around and around until we were nearly crazy. We finally figured out that with five lanes of traffic gridlock all going in the same direction we just needed to be in a different lane to get where we were going.

We find ourselves considering every day an adventure. Most days we set out to do far more than we actually accomplish. It is beautiful here so we love to spend time at the pool or beach. This time of year there are very few tourists here so we have the place to ourselves. Last night we enjoyed fresh lobster at the beach club Terazza Restaurante. There were only 3 other couples in the place. As we complete this post it lacks photos. We will gather some appropriate photos today and publish later this afternoon. We appreciate that all of you are checking back, commenting, and asking questions. We know it sounds like a broken record, but please share and like if you’re reading on Facebook. If you haven’t joined the blog, please do so to get e-mail notification when a new post is available. This also helps us recognize our audience. We will never spam you, and you can unsubscribe anytime.

Chau,

Greg and Jen

 

Our Move To Panama

Forgive us for our lack of frequent posts over the past few months. Our back story is well known by our Facebook friends, however we recognize that our blog followers may not know what has happened since returning to the States in April. Let us fill in some of the blanks…

Immediately upon our return to Michigan we began to interview Realtors for the marketing of our home there. We selected an agent and put our home on the market. In less than a week we had it under contract so we began the tedious process of selling nearly everything we owned to prepare for our move. It is amazing how much stuff one collects over the years. Mitzi Casey, our Panama agent, found us a rental that met all our needs and we signed a lease. With all these things in motion we learned after 6 weeks that our buyers financing failed. We were at the point of no return, so we moved forward with plans for our move. Our big fear was maintaining our home in Michigan from Panama. We contracted for lawn care, housekeeping, and security and moved to Panama at the end of June.

Everything that we brought to Panama is in these 5 check and 2 carry on bags
Everything that we brought to Panama is in these 5 checked and 2 carry on bags.

A move overseas has many moving parts. We elected to bring only what we could carry ourselves by air. Many people who we’ve met here, have moved using shipping containers, which is very expensive. We found it liberating to get rid of everything and start fresh. That being said, we did lease a place that was furnished. We also sold both cars and bought a car in Panama. We have possession of the vehicle, however the final transfer of title is not yet complete. We will post later about the vehicle purchase process. It is difficult, but doesn’t have to be. We bought a nice, used vehicle from an individual.

Our Car In Panama

Once we arrived in Panama, we had to complete our Visa process. This required about a half day with our attorney at Immigration. We had to surrender our temporary Visa cards, and have new cards issued. This is our permanent residency card which is issued for an indefinite time. The process is now complete. We have applied for our Cedula which is the ID carried by all people in Panama. The Cedula is recognized for doing business. It is easier to conduct bank business, make large purchases, and other things. Our drivers licenses will have to be renewed before the end of next month, because upon their original issue they were only good as long as our temporary Visas. We can do that right near where we live.

A lot of our research indicates that we can live on a very low budget in Panama. What we are finding is that with our Pensionado Visa we get great discounts and our costs for healthcare, insurances, and taxes are significantly less than in the States. We will be living on the Pacific Ocean in a great condo for around the same price as our home in Michigan.The difference is our home insurance is more than 1/3 the price, and we will not pay taxes for the next 10 years. After that the taxes are very low. In future posts we hope to start laying out direct comparisons for cost of living in Panama compared to the States.

We have spent the last several days getting settled into our condo in San Carlos. Our view of the ocean and marina over the golf course is incredible and our new place checked off all of our needs. It is a rental so we will have to settle for some things that we would do differently. We still stand by our decision to rent for a year until we are sure that we have chosen the right neighborhood. Inquiring minds want to see our place, so we are sharing some pictures.

Las Olas
condo living room
condo kitchen
condo master suite
The pool
Our view

 

 

 

 

 

 

 

That will bring most of you up to speed. We are still waiting on a buyer for our home in Michigan. We are amazed by the interest, and know that God has a plan for everything. We will be making frequent trips back until it sells. We know so many people who maintain two residences, and we have a new respect for all they do.

As we get settled here in Panama, keep following while we continue to develop new relationships, and learn Spanish.  We know that some of you follow to see what we are up to and some follow to learn about the Immigration process. We want to continue to mix everything into this and illustrate our experience and best practices. We love to have you all viewing. As always we hope that you will like, share, and comment. If you are a subscriber, please start adding content. We know that there are multiple perspectives to what we are experiencing.

For now Buenos,

Greg and Jen

We Have Our Licencia de Conducir de Panama

It takes nearly 2 hours to commute to and from Panama City. The traffic causes that time to vary up to 5 hours, depending on the time you leave. We had 8 am appointments at the American Embassy on Wednesday morning so we left home on Tuesday to do a little exploring on our journey. We looked at a couple of houses along the way and made a stop at PriceSmart (Panama version of Costco). We made the decision to join based on math that told us we needed a couple of things that we would save enough money to cover the cost of the $35 membership. We loaded up on the non-perishables and resumed our journey.

We checked into the Central Park Hotel again based on our proximity and need to be near The American Embassy, The Ministry of Foreign Affairs, and SERTRACEN (Panama DMV). We were treated very differently at the hotel this time. I wonder if they saw my comments on Booking.com or, perhaps, someone there is reading our blog. We got a great room with a large balcony and great views of the city. Jen got 1 picture crossing the Panama Canal which we have put below with 1 view of the city from our balcony at the hotel.

Crossing the Centennial Bridge over the Panama Canal
Panoramic views of Panama City from the hotel
Panoramic views of Panama City from the hotel

Once we got settled into our room we took a walk, grabbed some diner and went to bed early in preparation for our big day on Wednesday.

Our attorneys’ assistant, Marianna, picked us up from the hotel at 7:30 and delivered us to the American Embassy for our 8 am appointments. Our Michigan Drivers License had to be authenticated, apostilled and notarized which went fast and easy. Marianna then took us to the Ministry of Foreign Affairs. We had to deposit the fee into the Ministry account at the bank downstairs (they do not accept money there)  and take the receipt to the office. There was also a stop at another office in the same building where our documents had to be stamped and another fee collected. This is mostly all crazy tax. The Ministry office was very busy and it took them 3 hours to approve our documents before we could go to SERTRACEN. We made good use of our three hours because we also had to have a blood test before going to SERTRACEN. That took nearly an hour and we relaxed with Marianna for an authentic Panamanian Lunch for the remainder of our wait. After picking up the documents at the Ministry, we were on our way to our final destination. SERTRACEN is very much like our Secretary of State (DMV). Lines and waiting everywhere. We waited in line to get a place in line, then waited to be called. We produced our documents, completed the paperwork, had a vision test, hearing test, and paid the fee. Then we waited again to be called. The prize after 2 hours in that place was our drivers license. Marianna delivered us back to our hotel where we picked up our car and headed back to Coronado. It was nearly 4 pm, and it would be critical to get out of the city before rush hour cranked up. We just want to say that without Marianna we never would have accomplished this in 1 day. She knew what we needed, when we needed it, and translated for us. She was awesome and we owe her a huge debt of gratitude. We highly recommend Marianna for this process. Should you need her contact information, message us and we will pass it along.

Our drive back was uneventful. We made a quick stop at PriceSmart for the perishables and something to eat. We were home in time for fireworks on the roof. They shot them off the beach so we were actually looking down at them. It was a spectacular display. We are trying to get some video from a friend here. If that happens, we will share it. We are continuously amazed at the things happening here. There is never a dull moment.

Thursday morning we walked up the beach about 2Km to a fishing village. We were on a mission for Lobster. We had one of our neighbors along and he and I split the guy’s catch of 12 lobsters. Our neighbor took 6 and we took 6. For Jen and I, 6 lobsters is 2 meals. Thursday night we grilled 3 of them and put the other 3 in the freezer for later.

Catch of the day

The fisherman cleaned them for us

This morning we had a another Spanish lesson. Our Espanol is improving, and we are feeling more comfortable out in the community. Jasmine is teaching us how to order in a restaurant, and many other important things. Her lessons made buying Lobster on the beach much easier.

We continue to take opportunities to look at houses. We have found some places here on the Pacific Coast that really appeal to us. Every day we enjoy the peaceful sound of the surf, and both of us are sleeping amazingly well. This is the windy season and at times the wind blows hard. At night the breeze is cool and pleasant.

We tend to make our plans on the fly lately so keep checking back. There is no telling what we will be doing next.

Nos vemos,

Greg and Jen