Safety in Panama

Recent world events spark conversations daily about how safe it is to live in a developing country. Yesterday a gunman walked into a gaming event in the United States and killed participants before turning the gun on himself. Our dinner conversation last night was interesting. Does this happen here in Panama and we just don’t know it? Are these events isolated to the United States? The short answer is that this is a problem worldwide. We have done research on the safety of life in Panama and have concluded that we have to be diligent in protecting ourselves. We do not live in a vacuum ignoring local news, however it is much less “in our face” than media in the States. We live in a gated community with armed security. Our choice to live here is not as much about security  as it is to reside in a place we love and enjoy. The majority of crime in Panama isn’t murder. It is crime of opportunity like petty theft (people helping themselves to something that is easy to take). The prevalent crime victim tends to be people who let their guard down or enter into transactions without due diligence. We do neither of these things and have had no problems. That being said, we don’t want to make this political at all, but believe that the news media often dramatizes stories to keep people watching the news. Our blog is another example of security in a developing country. Some of our viewers will notice that we changed our physical address to Panama today. Some may also have noticed over the past few days that when signing into our site there is a pop-up stating that we are not secure. This is false information. We compose on a secure network and pay for layers of security. We get weekly updates that show no security concerns. We pay big bucks to make sure that all of you can read our blog without concern for security. We have WordPress, VaultPress, and Jetpack investigating the source of our problem and will keep it safe or shut it down. Please let us know if you experience problems with our site.

That is about enough of things that keep people awake at night. It has been several weeks since our last post. We spent a couple of weeks at our home in the States and are returning to normal here in Panama. We love our friends and family, but frequent visits to Michigan are stressful. We have a great deal of interest in our home and are looking forward to turning it over to a new family soon. Our advice in this matter is that you should get your home sold before relocating. Remote care for real estate is difficult at best.  On the flip side, we have stated on numerous occasions that you should not purchase property in Panama until you have been on the ground for a year. The real estate market in Panama is quite different from the U.S. and this time is necessary to gauge the market and find a location that suits your lifestyle. Rent for at least a year. We continue to stand by that advice.

Before returning to the States we had visitors at our church from Logos Hope. Logos Hope is a floating mission/bookstore to take Christianity throughout the world. Our visitors shared testimony and told of their experiences aboard the ship. Over 60 countries and nationalities are represented aboard the ship. Many people who live on the ship are from countries where they would be persecuted for sharing Christianity. We were intrigued by this awesome mission so upon our return to Panama we went to visit the ship. Due to persecution, taking pictures was difficult. We are sharing limited pictures from the ship.

 

The ship left late last week to continue its mission. It will dock next in Guatemala. The wonderful people on board carry their message and bookstore to all parts of the world. Please check out their website.

Since our return to Panama we have been crazy busy. In addition to the Logos Hope adventure we spent a day (including the night before) in Panama City. The purpose of our stay was to complete the  paperwork for our Cedula. A Cedula is the national identification carried by all Panamanian people. Most Panamanian people do not have driver’s licenses so this is the instrument that identifies a person and gives credibility for their ability to conduct business. A Cedula is not a requirement for our residency, however it will make it easier for us to conduct bank business and make major purchases. Our appointment was at 7 a.m.  Our attorney had a  solid agenda and got us finished very quickly by Panama standards. We highly recommend our attorney for all immigration needs. We are happy to provide her contact info to anyone by private  correspondence. It has been our experience that her rates are very fair and her ability to get things done are without reproach. The process was entirely done at the Tribunal Electoral. The building was beautiful and well organized. We got our business started at 7 a.m. sharp, and waited the hour for paperwork processing, in a great cafeteria where we enjoyed an authentic Panamanian breakfast. Once the paperwork was complete we waited in line to have a photograph made and pay the fee. As a Jubilado there is a discount for the fee to get your Cedula. We took  photographs below at the Tribunal Electoral.

We made good use of our time in the city. We made reservations for future travel and paid for our tickets using our Jubilado discount. We also learned that one of the future trips planned would require a vaccination, so we made our way to the Minister of Health and got our vaccination. As residents, we got the vaccination at a substantial discount. The experience was interesting to say the least. No officials there spoke English and we had a few communication issues. Fortunately there are wonderful people all over who know a little English and they helped us be understood. We used our due diligence and read the container which contained the vaccine to be sure we were getting what was required for our travel. They then provided a document that states the time in which the vaccine remains effective. This is called a yellow card and we must always be able to provide it before travel. We have committed to keeping it safely stored with our Passports. We have heard that people have been denied entry to some countries without the proper documentation of vaccinations. We plan to travel extensively in our retirement. We are anxious to explore and Central America is an excellent place to explore from.

Waiting for our vaccination
Waiting for our vaccination

We also got in a little retail therapy while in the city. We didn’t really buy much but we had a nice lunch at the mall. We have become big fans of Leonardo Pizza. Our lunch for two pictured below was just over $6 with our Jubilado discount.

lunch for two
lunch for two

Yesterday we traveled with friends to El Valle de Anton where we frequently enjoy the fresh vegetable market. We had purchased a huge clay pot for our balcony and wanted to fill it with tropical plants. Our visit was a great success. Our pot now has some colorful plantings that we will enjoy. We also picked up our usual supply of salad fixings.

Balcony Planter
Lovely tropical plants from El Valle.

Every day proves to be an adventure and it is the most relaxing, inexpensive, and beautiful place to spend retirement. We know that this life isn’t for everyone, but it suits us well. We continue to learn Spanish. The language barrier is only an inconvenience, and most of the time our English is enough to survive daily life. That being said we have volunteered to help teach English to Panamanian people in our community. The people here can get better jobs and prosper with the ability to speak English. We know that God had a plan when he moved us here and in some small way this may be our way to give back.

Dios los bendiga,

Greg and Jen

The Panama Pensionado Visa

It seems a good time to revisit the Pensionado Visa process. We have been working on this for quite some time now, and things are going along great. The pensionado visa is a permanent residency in Panama reserved for people who have pension income. The visa, once approved, is good for life. We are going to run down the benefits and requirements today. This all seems a little overwhelming at first, but when we’re on the beach in Panama instead of shoveling snow it will all be worth it. The Panama Pensionado visa has numerous benefits that attract retirees from all over the world.

Panama  is a nation that is very welcoming to foreigners, and perhaps never more so than when it offers retirees a whole host of discounts, on everything from airfare to hotels, movies, and utilities. These benefits are part of a package of  perks that are tailored to retirees of all ages.

The list of discounts and advantages of the pensioner’s visa is lengthy.  Here are a few that we found quite enticing:

  • 50% off on recreation and entertainment such as movies, theaters, sports, etc.
  • 50% off hotels Monday through Thursday (30% off on weekends)
  • 30% off public transportation like buses, trains, and boats
  • 25% off airfare
  • 25% off restaurants (15% off fast food)
  • 25% off electrical, telephone, and water service
  • 20% off doctors and specialists
  • 15% off hospitals and private clinics
  • 15% off dental and optometry services
  • 10% off prescription medications
  • tax-free importation of household goods, up to $10,000
  • tax-free importation of a vehicle, or tax-free purchase of a local vehicle, every 2 years

Retirees are also able to obtain a cedula. The cedula is the national identification card issued to residents. It provides improved ease for getting around and transacting business in Panama. The local people feel more comfortable doing business with people who they know are “documented”. This is a great benefit when immersing ourselves in the culture of the country.

The pensionado visa program is more than a retirement program. It is opened to anyone who meets the requirements. Recipients can never lose their benefits, as long as they continue to meet the requirements. Here is a list of the requirements to qualify:

  • Monthly income of $1,200 for life from a guaranteed source such as a pension, annuity or social security.
  • Or income of $750 per month and a $100,000 minimum investment in Panamanian real estate
  • An additional $250 monthly income for each dependent

The $1,200 per month is a total amount for a married couple.  In other words, it isn’t necessary for both spouses to meet the income requirement.  Dependent children cannot be over the age of 18, unless they are attending college.  Exceptions can also be made for adult children with disabilities.  The $250 can also be obtained in the form of interest earned on deposits in a Panamanian bank.

The process of applying for and obtaining your pensionado visa is relatively straightforward.  The whole process takes several months and costs between $1,500 and $2,000 per person, including attorney fees.  The attorney fees may be less for a married couple or a family when it is done together. There will be a bit of paperwork, and it will all need to be properly authenticated (apostilled).  A reputable attorney with experience in immigration issues will be a valuable tool as you navigate this process.  In general, you’ll need to be prepared to provide the following:

  • Certified letter from the appropriate organization or entity guaranteeing your monthly pension for life
  • Government certification that the source of your income is in good standing, if your pension comes from a private company
  • Proof of prior pension payments (e.g. check stubs, bank statements, etc.)
  • Certificate of public registration of Panamanian real estate in your name, if applicable
  • Police record from the country where you resided the past 5 years (FBI fingerprint check)
  • Marriage and/or birth certificates, if applicable
  • Six (6) passport sized photographs of the applicant (and dependents – if applicable).
  • Certificate of Good Health, issued by a licensed Panamanian hospital or clinic, signed by a registered, licensed physician, indicating that the applicant (and dependents – if applicable) has no contagious diseases and is in good mental and physical condition.  THIS MUST BE DONE DURING YOUR INITIAL VISIT TO PANAMA.

This is where we are in the process. We have a very good immigration attorney in Panama City working on this for us. We have all the documentation except Jen’s pension letter. We cannot get that until her retirement is final. Today we had all the documents apostilled at the Secretary of State. On Monday we will be sending the attorney all the documentation by e-mail (scanned and sent PDF). The attorney will the have them translated to Spanish. We will take our passport size photos with us when we go. The attorney will make arrangements for us to get our health physicals when we arrive in the country. It looks like this process is in good order.

Todays Spanish lesson is very appropriate: Por favor, deme mi descuento de pensionado. Translated… “Please give me my pensioner’s discount.”

We hope you’re finding our posts educational, informative, and entertaining. Please continue to like, share, and comment. By all means, if you haven’t signed up to receive these posts by e-mail, do it now. We don’t want you to miss a bit of our “awesome adventure”.

Fingerprints
Thank-you Van Buren County
FBI criminal background