Every day in our Overseas Opportunity Letter, Live and Invest Overseas Founding Publisher Kathleen Peddicord answers questions from readers. These questions vary from where is the best place to retire on a budget, to social security, to opening a bank account overseas.Now, Live and Invest Overseas is proud to present our Live and Invest Overseas Podcast, where readers’ questions are discussed and answered live, together with Lief Simon, Editor-In-Chief of our Offshore Living Letter. Kathleen and Lief discuss our readers’ questions with their expert knowledge in the field of retiring, living, investing, owning real estate, and starting a business overseas.Got a question? Submit it here: https://www.liveandinvestoverseas.com/contact-us/mailbag/ Keep in mind that that your comment or question could be answered in a future podcast. Also, your first name, last name initial, and country of residence as submitted will be mentioned in the podcast.
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
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Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Subscribe to our E-Letters and discover your overseas haven
Find everything you need to know to move to your overseas haven
Finding your new home overseas can be just like falling in love. Follow along this metaphor and soon enough you'll find your overseas haven...Subscribe to our E-Letters and discover your overseas haven here: https://bit.ly/3vxiXPcFollow us!Instagram: https://www.instagram.com/liveinvestoverseas/Facebook: https://www.facebook.com/LiveandInvestOverseasTwitter: https://twitter.com/liveinvestover"Website: https://www.liveandinvestoverseas.com/#MoveOverseas
Packing can be one of the biggest hurdles of a move overseas. But it doesn't have to be this way. Follow these expert tips to make your transition to your new life as smooth as possible.Subscribe to Overseas Opportunity Letter here: https://bit.ly/3JhlpOHFollow us!Instagram: https://www.instagram.com/liveinvestoverseas/Facebook: https://www.facebook.com/LiveandInvestOverseasTwitter: https://twitter.com/liveinvestover"Website: https://www.liveandinvestoverseas.com/#MoveOverseas
France is one of the top havens for retirees. But is it for you? Here are 30 things you need to know before moving to France to decide if this is the perfect place for you... Follow us!InstagramFacebookTwitterWebsite#MoveToFrance #France
Moving to Panama is the best decision many expats make. However, every country has its ups and downs. Here are some things you need to know about Panama before moving there...Follow us!InstagramFacebookTwitterWebsite#Panama #RetireInPanama
Panama continues to be a safe haven for many expats and retirees. But where in this country should you retire? Here are the best retirement options in Panama according to different lifestyles.Follow us!InstagramFacebookTwitterWebsite#Panama #RetireInPanama
Special Projects Manager Kat Kalashian shares how she found out Paris was her overseas haven and why. Could the City of Lights be your haven? If not, don't worry, many other paradises are waiting for you. You just need to get out there and find them and we'll help you every step of the way.Follow us!InstagramFacebookTwitterWebsite#Paris #LifeinParis
Editor-at-Large Kat Kalashian and Editorial Director Sophia Titley share a bit about Live and Invest Overseas' Annual Retirement Index. This is how Live and Invest Overseas' Retirement Index helps you narrow down the best places for you to consider calling your new home.Follow us!InstagramFacebookTwitterWebsite#BestPlacesToRetire #RetireOverseas
Have you been wondering where to retire overseas? We have a destination just for you!Soft white sand, warm blue waters, great weather, a place supported by all the comforts and amenities of a city. All at an affordable price tag. Puerto Vallarta has been growing and has become one of the most affordable ex-pat havens there is. If you're looking for a comfortable and affordable city beach retirement, search no more. Puerto Vallarta is for you.Follow us!InstagramFacebookTwitterWebsite#movingtomexico #retireabroad #Mexico #Retirement
The global pandemic stopped the world in 2020. A move overseas became virtually impossible with many challenges.As everything slowly begins to take a move forward we keep getting the same question...Where is the most accessible option for living or retiring overseas? From the residency visa program to where to settle, join us for our new podcast episode to reveal the destination.Follow us!InstagramFacebookTwitterWebsite#movingtomexico #retireabroad #mexico
Welcome to our new podcast episode. This time we would like to ask you, would you be happy living in Belize? Belize is a great choice to retire, in fact, it's one of our top retirement heavens. It’s a small country with a lot to offer, and each town is different.The question is…what do you want your lifestyle to look like? Different factors to consider such as the community you’ll be living with, the language spoken, the lifestyle of the area, health care options, to name a few.Tune in to learn the everyday nuisances that will help you decide if Belize is the right spot for you. We hope to help you find the answer for you.Follow us!InstagramFacebookTwitterWebsite#belize #LivingInBelize
How do I downsize and declutter my home to prepare for a move overseas?This is one of the main worries for people who decide to start a new life abroad.If you know where you want to go, here are Kathleen’s and Lief’s tips for downsizing and moving abroad:2:36 Have a yard sale3:38 Donate4:18 Sell your things online6:24 Outsource to estate sale companies8:05 Understand what is available and at what cost at your new destination10:58 The emotional aspect of downsizingFollow us!InstagramFacebookTwitterWebsite#bestplacestotravel #movingoverseas
Dreading winter?Already tired of shoveling snow and scraping ice from your windshield?Dreaming of sunny, warm escape?Here are our top six picks for where to go to never have to worry about winter again.Follow us!InstagramFacebookTwitterWebsite#bestplacestotravel
Whether for pleasure or as a scouting trip for your retirement plans where will you travel after restrictions are lifted?If you’re not sure where you would like to retire, don’t worry, we’ve got you covered. Discover The 10 Best Places To Retire In 2021 by joining our Free e-letter: https://bit.ly/34frVEbKathleen’s and Lief’s travel destination list include Northern Cyprus which has become an attractive property market and Malta, a beautiful historic destination.Follow us! Instagram: https://www.instagram.com/liveinvesto... Facebook: https://www.facebook.com/LiveandInves... Twitter: https://twitter.com/LiveandInvest Website: http://bit.ly/homepagelios#TravelOverseas #RetireOverseas #ExpatLife #TravelAbroad
Would you like to move to Belize? If so, you might have a lot of questions about life there. What is life like for expats in this small country? In this LIOS Podcast, Kathleen and Lief will answer just that.
In this episode of the Live and Invest Overseas Podcast, Kathleen and Lief debunk the myth that living in Europe is expensive. They share the best seven places to live or retire in the Old World. Below is the breakdown. 3:46 Portugal. Portugal has it all, good weather, beautiful beaches, and great health care. Another benefit is that English is widely spoken in places such as The Algarve and Lisbon. 6:25 France. Tourist places like Paris will have a premium cost. However, the north and south of France can be very affordable, not to mention that France has the best health care system in the world. 9:45 Italy. Like any other place, Italy can be very cheap or very expensive. The southern part of Italy is very attractive and affordable for expats. 12:17 Spain. In Spain, life is a “fiesta”. Here you can enjoy nice weather and a slower and different lifestyle. 14:16 Malta. This is an affordable English-speaking country where any expat can obtain a residency very easily. 15:56 Greece. Greece offers a low-cost island living. You can also obtain residency with their Golden Visa program. 16:40 Cyprus. You might not have thought of this place, but Cyprus is a great alternative. English is widely spoken and you can get citizenship by investment.
In this podcast episode, Kathleen is a guest on the Money Talks News Podcast. She shares the top places where you could retire, along with the cost of living overseas, getting a second residency, and overseas real estate purchases. If you’re an American, this podcast will help you figure out how to work around the current travel restrictions and help you plan your retirement overseas!
In this Live and Invest Overseas Podcast, Lief and Kathleen share all you need to know when getting a second residency. They answer questions such as do you need a second residency? How to obtain a second residency? How to maintain a second residency? and much more!
Offshore Living guru Lief Simon continues to answer your questions in this week's podcast. This week's questions are about finding work or starting a company, collecting Social Security overseas, finding someplace not humid to retire to, and more.The questions addressed in this podcast are:#1: Al M.I am hoping to move to Panama around June 2021. I am a painter/plasterer. Will I be able to find work with a company or should I start my own company? What is the easiest and correct process to go about this the right way? Thanks for any information you can offer.#2: Mary G.If I move to Portugal, can I still collect my Social Security income and would that be taxed?#3: Ramon F.Where in the world would you relocate to that has an arid climate as opposed to a humid climate? #4: Peter C.What is the best area in the Cayo for internet reception? How would I find a rental in that area? #5: John P. What annual return do you look for when investing in real estate overseas?#6: Steven G.Is it possible for an individual business owner to retain earnings overseas the way big corporations do? #7: Kim A.I imagine we cannot get a U.S. mortgage to invest in other countries, is that right? What are the mortgage rates in other countries? Do they pull credit reports like they do in the United States? How do we start this process?
Lief takes the wheel in this episode of the Live and Invest Overseas Podcast. He answers questions regarding long-term rentals, investments for non-U.S. investors, medical insurance, tax returns, and more.The questions addressed in this podcast are:#1: Marco B.I was wondering if you will present any solutions for non-U.S. investors at the conference in September? Will you talk about investments suited for European investors? Both legally and practically.#2: Richard WI am an Irish citizen. My wife is an American citizen. We presently reside in Florida, but we would like to move to Portugal on a long-term basis. Where would you suggest that we look for long-term rentals with a maximum rental expenditure of say 1,600 euro per month?#3: Patricia T.We would like to spend some time, maybe one to three months, in Ireland. We are active older folks that bike, hike, canoe, explore, and love adventure. Where is the best place to start? We prefer to rent.#4: David D.What medical insurance is applicable in the Algarve?#5: Gene S.Kathleen and Lief, I met you in Panama about five years ago and invested in the mango plantation you have written about. I created a Nevis LLC to hold the property but because of local (Hawaii) investment account restrictions I had the proceeds deposited into my personal checking account. Now I have gotten a notice about Nevis requiring a simplified tax return (STR). I am wondering if I should just dissolve the LLC? I am wondering what you have heard about this tax return? What do you thinkThank you.#6: Carl K.Any idea when the ban for EU travel for U.S. citizens will be lifted?#7: Nancy M.Kathleen, I attended a workshop of yours several years ago. It really got me moving, and I bought a house in in Ireland. And my friend bought a traditional cottage and then inherited one! We have both been trying to figure out what the procedure is to be able to extend a stay to five to six months instead of the three allowed to tourists. Ideally, we would even like to be able to stay full time. Could you explain what our options are?Use this link to get your copy of Lief and Kathleen's new book “How To Buy Real Estate Overseas For Cash Flow (And A Better Life)”: https://bit.ly/32q43vW ⬅️ ⬅️ ⬅️
Lief and Kathleen share their failed real estate purchases overseas hoping that these experiences will help you to avoid making the same mistakes as you look to invest in real estate overseas.Lessons from Lief and Kathleen's failed real estate purchase experiences:Diversification is key• Don't buy a second unit in the same project (before the project is completed and seeing returns)• Don't buy something if you don't know the market you're buying into• Who's going to rent or buy your property and who's your competition• The key to success is getting the right rental manager• Buy based on a reasonable expectation of cash flow, and not a promise of appreciation (which may or may never appear)Use this link to get your copy of Lief and Kathleen's new book “How To Buy Real Estate Overseas For Cash Flow (And A Better Life)”: https://bit.ly/32q43vW ⬅️ ⬅️ ⬅️
How to buy property overseas?Buying for retirement or a second home will have different criteria than buying for pure profit and return.So, how do you size up one property purchase opportunity versus another?Here are 8 points you should consider:1. How much space do you need? Do you want an apartment or house? Would you like 1 bedroom or 2? Would you prefer 2 levels or only 1? Will you want a guest room or guest house?2. Would you like to have a front yard, back garden, swimming pool?3. Do you want to be in the city or the country? Would you like to be in a local neighborhood or a neighborhood of expats?4. What type of property are you looking for? A Gated community or integrated setting (to live a more local lifestyle)? Keep in mind, going local means learning the language.5. How far is the property to parking, restaurant, medical care, shopping, etc.?6. Will you be buying furnished or unfurnished?7. What is your budget? Be clear on your finances before you start shopping.8. What kind of view would you like from your bedroom window each morning?Use this link to get your copy of Lief and Kathleen's new book “How To Buy Real Estate Overseas For Cash Flow (And A Better Life)”: https://bit.ly/3j0NOMt ⬅️ ⬅️ ⬅️
10 Questions To Ask Before Buying Property OverseasLive and Invest Overseas Podcast Episode #24with Kathleen Peddicord and Lief SimonThis is your due diligence checklist when looking to purchase for-profit or if your purchasing property as a second home or for retirement:1. What is your budget?2. What comes with the property?3. What are the zoning rules?4. What is your access?5. Is there an HOA?6. How much is the HOA fee?7. Are you allowed to rent short-term?8. How far away are day-to-day services?9. What are the total carrying costs?10. Does the development company/developer have a track record?Use this link to get your copy of Lief and Kathleen's new book “How To Buy Real Estate Overseas For Cash Flow (And A Better Life)”: https://bookstore.liveandinvestoverse...
These are the 21 destinations we'll be covering during our first-ever Retire Overseas Virtual Conference:BelizePortugalArgentinaDominican RepublicChileColombiaEcuadorFranceSloveniaMaltaMalaysiaItalyBrazilMexicoThailandIndonesiaMontenegroUruguayVietnamSpainPanama
These are the 21 destinations we'll be covering during our first-ever Retire Overseas Virtual Conference:BelizePortugalArgentinaDominican RepublicChileColombiaEcuadorFranceSloveniaMaltaMalaysiaItalyBrazilMexicoThailandIndonesiaMontenegroUruguayVietnamSpainPanama
We're preparing for our annual Retire Overseas Conference. During this virtual event, our far-flung Live and Invest Overseas team will showcase the 21 best places to think about reinventing your life.Doing some soul searching by answering this "Know Yourself Questionnaire" is Step 1 in figuring out where in the world would be the ideal place for you to think about reinventing your life overseas.Topics these questions touch on are:ClimateHealth CareInfrastructureAccessibilityLanguageCulture, Recreation, and EntertainmentTaxesEducation and SchoolsSafetyOther
Live and Invest Overseas Podcast #19: Purchase Real Estate Checklist - Part IIAccess: How close is the nearest airport? For rural properties, is there year-round access to the area? For city properties, what are the traffic patterns?Security: How will security be provided? Does the building or private development you're looking into have a doorman or security guard 24/7?Medical Care: Where is the nearest medical care facility? How many minutes to get there by car in both the wet and the dry season?Title Insurance: Is title insurance available for the property from a reputable title insurance company?Construction: If you’re buying a lot in development, is there a building requirement (that is, a specified period of time within which you must build on your lot)?Development Community: If you’re buying into a planned development community, what construction and design standards are in place?Infrastructure: How often does the electricity go out to go out in the region where you'll be living? How reliable are the cable and internet service? What is the condition of the roads? How is water provided to the town or city?Home Owner's Association (HOA): What are the fees or, in the case of a new development or a pre-construction building, the projected fees?Construction: How will you build (if that’s your plan) from thousands of miles away? Who will oversee construction for you?Amenities: What amenities exist in the development or apartment building?Track Record: If you're buying from a developer, is the development company financially sound? Do they have a track record?
Live and Invest Overseas Podcast #19: Purchase Real Estate Checklist Part IAccess: How close is the nearest airport? For rural properties, is there year-round access to the area? For city properties, what are the traffic patterns?Security: How will security be provided? Does the building or private development you're looking into have a doorman or security guard 24/7?Medical Care: Where is the nearest medical care facility? How many minutes to get there by car in both the wet and the dry season?Title Insurance: Is title insurance available for the property from a reputable title insurance company?Construction: If you’re buying a lot in development, is there a building requirement (that is, a specified period of time within which you must build on your lot)?Development Community: If you’re buying into a planned development community, what construction and design standards are in place?Infrastructure: How often does the electricity go out to go out in the region where you'll be living? How reliable are the cable and internet service? What is the condition of the roads? How is water provided to the town or city?Home Owner's Association (HOA): What are the fees or, in the case of a new development or a pre-construction building, the projected fees?Construction: How will you build (if that’s your plan) from thousands of miles away? Who will oversee construction for you?Amenities: What amenities exist in the development or apartment building?Track Record: If you're buying from a developer, is the development company financially sound? Do they have a track record?
Podcast Episode #18 by Kathleen Peddicord and Lief Simon––The Live and Invest Overseas PodcastDo you have any experience with Empresas Bern?Subscribe to our Newsletter at https://www.liveandinvestoverseas.com... Join our Overseas Living Clubhouse at https://www.facebook.com/groups/overs... Here are the questions addressed in today's episode:#1: From Marcella T.:Kathleen and Lief, I have been reading your recent suggestions regarding becoming more self-sufficient with interest. I’m looking at Belize or maybe Portugal. I would love to begin pursuing my plan but am unable to fly anywhere outside the United States for the foreseeable future due to COVID-19 travel restrictions. At this point, I can't even apply for a visa or that all-important second passport that might gain me entry to a foreign country. Any suggestions (preferably legal)? Thank you.#2: From Robert S.:I’m a 76-year-old male in good shape who is on the proverbial horns of a dilemma about picking up stakes lock, stock, and barrel and moving from Northern California to either Costa Rica or Panama (both places I've been to several times). I would like to know what the best info is that you can give me about how to ship all of my worldly possessions. It’s a three-bedroom house full of stuff plus a Harley Davidson motorcycle, a Yamaha jet ski, a GMC Suburban, a rototiller, and lots of gardening tools plus a power washer and two pieces of Bowflex workout equipment.I know this must be a big order but also know that you will be able to successfully point me in the right direction to obtain some great answers to these questions and thank you very much for your advice and information on this very important request that is very important to me and also thank you for all the work you do.By the way, I know you and Lief have Irish citizenship so should mention that I’m originally a Kerryman! #3: From Paul C.:It's tough wanting to change my life and move overseas. I'm 62, a painter, and I live in Seattle. My family thinks I'm nuts for looking and reading your information. But in Seattle here nothing is affordable. I am interested in a more self-sufficient lifestyle and have been reading your information on this closely. However, I really want to be part of a village. I’m not built to be alone. Seems now I need to work four more years. Then I will have $2,000 a month in retirement income. Most countries look for guaranteed income. Will this be enough?#4: From Joan S.:Lief and Kathleen, I hope you and your family are well during these crazy times.I am wondering about the copper mine housing investment in Panama that you have written about. The information you’ve reported is that Bern corporation is building a housing complex for the workers called Casa Pintada. I would like to know first if this is still available but also if you are familiar with the developer Empresas Bern, or Bern Corporation. Do you have any experience with them?#5: From John J.:Could you recommend an investment advisor in the United States that could advise me on overseas investments?
Podcast Episode #17 by Kathleen Peddicord and Lief Simon––Live And Invest Overseas PodcastSubscribe to our Newsletter at https://www.liveandinvestoverseas.com... Join our Overseas Living Clubhouse at https://www.facebook.com/groups/overs... Here are the questions addressed in today's episode:#1: From Alex S.:I am currently in Panama and looking to find solid CD options abroad (can be Panama or another country but not the United States). Can you recommend solid banks in Panama or abroad that have good options?#2: From Ada H.:We are looking for a bank where we don't have to travel to, as our government advice is to avoid travel due to the COVID-19 pandemic.I am not sure if this is possible?#3: From Sue H.:I’m a single 69-year-old gay woman. I was thinking about buying in Panama or Costa Rico. Are there any friendly gay communities in these countries?#4: From Ari M.:I have lived in Panama City and found the heat and humidity oppressive. I would move back to Panama to a place like Boquete except for the constant rain. I would consider Belize, but isn't it steamy, too? Would you have any suggestions?#5: From Vern C.:Kathleen, I’ve been reading you for a very long time and, like you, I love Belize. I'm looking at buying a beachfront condo. Any feedback you could provide? Thanks.SHOW LESS
Podcast Episode #16 by Kathleen Peddicord and Lief Simon––Live And Invest Overseas Podcast.Subscribe to our Newsletter at https://www.liveandinvestoverseas.com... Join our Overseas Living Clubhouse at https://www.facebook.com/groups/overs... Here are the questions addressed in today's episode:Ernest C. writes:I will be ordering your subscription in the near future but in the meantime, I have two questions.I have been told one has to be in Belize to open a bank account but you say no. Also, you said rent for as low as US$800 per month in Belize. Isn't that a typo? Can it really be that affordable? Thanks for responding.Andy P. writes:Kathleen, you wrote recently that every property market worldwide will be affected by the pandemic crisis but not all negatively. You said that the "survivalist" market-for properties in places where you could live comfortably off-grid and self-sufficiently-will become more sought-after than ever and therefore more valuable. You mentioned land in Cayo, Belize, specifically. Acquiring land in Cayo, Belize, sounds interesting to me. Can you tell me more about this, please?Jack B., writes:I have narrowed down my top three locations where I anticipate residing in retirement—Panama City, Dubai, and Cartagena, Colombia. Can you share your pros and cons on each long term?Philip M. writes:I am a subscriber to GPA and Simon Letter. Thanks for your help in getting me this far. I have both a Roth IRA LLC and a Roth solo 401k LLC and wish to purchase some residential property in Panama. Both are U.S.-based LLCs There are enough funds in the Roth IRA LLC to fund the entire purchase. Can you please point out the advantages/disadvantages of buying the property either through the LLC versus having the LLC create a Panamanian Corporation (I understand there are 2 types of PC SA and SRL) or a Panamanian Private Interest Foundation?I know I have to report the value when I submit my yearly valuations, but do I report elsewhere that I have a PC or PPIF?Finally, can I have my Roth IRA LLC and solo 401k LLC be co-owners of the Panama company or the Panamanian foundation? I do appreciate your insight.
Podcast Episode #15 by Kathleen Peddicord and Lief Simon––Live And Invest Overseas PodcastSubscribe to our Newsletter at https://www.liveandinvestoverseas.com... Join our Overseas Living Clubhouse at https://www.facebook.com/groups/overs... Here are the questions addressed in today's episode:William D. writes:My sister and I want to make a move but don’t know how to get started. We don't even know if they will let us travel from the United States right now. We have our SS income, but who knows if it will be worth anything long term. I appreciate your insights and would like your feedback. I'm hanging onto each loose dollar right now, trying to make a plan.Shirley W. writes:Thank you for all your info. I am curious if you still think moving to Asia is a good idea and if so where? How would Asia compare with destinations in Europe and Latin America? I am concerned about my health care overseas also since our Medicare will not cover.Sandra U. writes:We know very little about retiring overseas but are interested. Are some places dependent on how much money you have? Or your age? My husband is 83 and is in fairly good health.Wendy W. writes:I am interested in your residency kit that you are offering for sale this week. I have a question before I purchase this. I am American, therefore can stay in Shengen Area only six months per year. I am thinking of buying property in Italy. Does the program address obtaining residency in Italy?
Podcast Episode #14 by Kathleen Peddicord and Lief Simon––Live And Invest Overseas PodcastSubscribe to our Newsletter at https://www.liveandinvestoverseas.com... Join our Overseas Living Clubhouse at https://www.facebook.com/groups/overs... Here are the questions addressed in today's episode:Ada H. writes:First of all, thank you for your excellent and informative newsletters. We are interested in the EU. Although we live in beautiful New Zealand, we have family in the EU and would like to spend some time with them.We are interested perhaps in a short-term rental. It could be an apartment off-plan and if needed we could keep it up to a year before selling. We have read elsewhere, not in your services, about 10% to 20% ROI. Do you think that’s realistic?You wrote recently that, "The best case is when you're able to find a piece of real estate in a place where you want to spend time, short term on vacation and long term in retirement, that also holds out the potential for an investment return, in the form of capital appreciation, rental return, or both." That sounds like us. But where? We were thinking of France, Italy, Spain, Portugal… We would really like your thoughts.Bikram B. writes:Can you help me to open an offshore bank account in a country where there is no tax and no questions asked? A friend recommends the Caymans for this, but what would you recommend?”Alan H. writes:Thank you for the wonderfully informative city comparison you provided recently for Cuenca and Medellín.One question: Having heard that air pollution is a problem in Medellín, I have done some research on it, and from what I read it can be intense. I have seen online photos with pollution so thick there you could hardly see the city at all. This could be a major factor for those with respiratory conditions. Have you heard anything about this?Ruben A. writes:I've just signed up for your Simon Letter newsletters and am highly interested in the Five Flags Program. I'm an American citizen but moved to Panama City in January. I would like to begin applying for the Friendly Nations Visa once things get back to normal.I'd love to get the ball rolling with Five Flags also. What do you recommend as the best first step?