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accommodations in Panama Panama instead

I recommend, from Panama to explore from central locations. This approach saves time and money and is intentional. An exploration of Panama Panama (city), I think nonsense package tourists but have little choice, because they book (usually out of ignorance) have resided in the capital.

Man saves first cost, when using the center of Panama for the stay, are not irrelevant because the hotel prices are twice as high in general in Panama City (and more). The cost of the meal, whether in the restaurant or prepared in an apartment, are by half lower outside the capital, crime is out incomparably lower.

It saves a lot of time because an exploration of the capital city, much too time-consuming, the distances, road conditions included, but significantly. Much can be here with day trips do not realize (David, Chiriqui, Bocas del Toro, Boquete). And who wants to settle down later in Panama, that will not do in the capital if he wants to live worth living.

The distance from one end (Panama City) to the other end (David) is about 500 km. In between lies exactly at 250 km the city of Santiago. Nearby is the town Chitré, which I mention because it is considered the most beautiful and cleanest small town of Panama. Read more on the internet, because I want here to the Holidays To limit the one found on the Internet do not have accurate descriptions.

I describe to you several houses below. I know from personal visits to all these houses have, with some owners personal friend. So just something written down anywhere and as "self-experienced " then shows how these days so common.

The described Holidays extremely soft on each other, it offers something for everyone, both in financial terms as well as atmospheric. Needless to connect German Think contrary: I get commissions from anyone or something, I did not have to.

Watch first look at the map that I have outlined.

Overview of Accommodation




Santiago:




Chitré:






details of the accommodation can be found here:

http://sites.google.com/site/allgemeinesueberpanama/home/10-unterluenfte

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retirement home ....

This is one of many Responses that I modified it a bit generalized.

"I have only a small pension, nothing else can. From 720 € pension in Europe I do not own (decent) and independent live apart from the climate, I do not like it. My problem is that I have no children or relatives, take me could in a Dachstuebchen. In a nursing home I want Fruehrentnerin than not, but even this is not enough to my pension. Moreover, I feel too young for a life in a nursing home, not to mention it. I'm in a dead end ...."


No, you are not at an impasse , provided your company and love of life still exists. For this description fits many American (single ) pensioners as well, they usually have in most cases less than 800 € a month, note that is between U.S. $ 600-1100 Pension (please! U.S. dollars), for the U.S. pension system is far worse than the European one.


is amazing that many Americans have retired and retired women, mostly still single, so the U.S. can not live well, settled in Panama. Your rhythm: permanently in Panama, Panama or 8-10 months, continuous or divided by 1 to 2 year old visit your relatives in their homeland. Yes, dear friends of Panama, which is to do well. Read closer to life in Panama (particularly with regard to the cost of living) on my website:

http://sites.google.com/site/allgemeinesueberpanama/home

I write a lot of Older travelers from Germany, Switzerland and Austria to (only to name even the German) have a small pension. In addition, they are often alone, but with your small pension but livable live in a beautiful climate would like.

Is that possible in Panama.

, for example, you can also get together to rent a small house together (it does not have to buy something), and so it may come together 1200 euros a month income.
I can tell you that they live here This heavenly (and not "Primitive") when considering only once the financial aspect alone, because the financial side happens to be the starting point of all other considerations.

I will gladly help you. Write me or post a brief comment, I can bring you together with like-minded people. Subscribe to best my blog, then you are always informed.


are together very strongly and retirees and small can make your dreams of a beautiful livable retirement realize in Panama.

Cheer up!
Then it works already!
Merry Christmas
your Ramiro Arena

I have pretty specific ideas from a small German town (now nice, quiet property is available) from send about 10 small bungalows, but I lack the capital for it to finance it. Let's see, maybe is a retired (or several together), as able to raise 180,000 euros, for then he has allowed a pension of 10 x 120 €, so € 1,200 monthly, there would be the ideal case, and even along with a good return on a reasonable rent for each tenant / lessee.

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Panama is not paradise, but ....

.... Panama has become one of the most liberal and most liberal states (8th position, Germany 21 point) and with this reputation in Central and South America, the undisputed most liberal democracy in Latin America, with the lowest crime rates, a great satisfaction of its citizens with their present state (4th in the world, Germany 59th Site) and has an annual average growth rate of over nearly 5% (1st place in Latin America) and an unchallenged low cost of living index (1st place in Latin America).

not That should hide the fact that there is grinding poverty in this country and the broad underclass in part by the hand to mouth living, because the education system is still at a very low level, unskilled workers against each other in connect to the feet when it comes to such jobs. Partly for these layers are still missing a social network.

with the new President Ricardo Martinelli, the An agreement among the citizens of more than 90% after he took office on 1 July 2009 found that citizens have given to your own current views on the right man at the right time and right place the reins in his hand.

In the period from July (the beginning of the presidency of Martinelli) by the end of November 2009, the balance in the Kriminalitaetrate has fallen by 21%. This is certainly not only due to the action but also that the new president, a general curfew for young people who are not found in the company of adults, from the beginning of the darkness has (all year round the clock by about 18) was adopted. And parents who violate their duty of supervision, threaten fines. One can think about how you will, but the success is the President Martinelli right.

new feature is that every citizen over 70 years, a monthly pension from 1 July receives $ 100. This may sound ridiculous in the face of income in Europe, but in Panama it is an elderly couple live with $ 200 monthly. President Martinelli holds so his promise, making it hochpolulaer in the population.

These are all facts that can not be argued away.

Merry Christmas

your Ramiro Arena

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Emigration or permanent vacation?

this issue is one of the most common since, I post once a modified and generalized response to a reader Communication.

As the requirements for an official Residencia ( * ) can not fulfill because your seed capital and your income is low, remains only an unofficial way, which is also perfectly legal and is recommended by me, in principle, because it eliminates all unnecessary obstacles, and only thus ultimately Emigration is affordable and possible. Coming up but nowhere on the Internet, because the emigrant luminaries who hardly know where is Panama, the only official nachquatschen Salm, they've read somewhere on the Internet in your attic in Germany, then present other than their knowledge ( ** ).

are available for the holiday period there is virtually no rules, so you will read about it anywhere and anything. And why make statements about all the great commentators in the tens of discussion forums do not even because your wise advice are useless. I criticize this because you can find expert information only from itself emigrants.

is a fact: You can stay in Panama for 3 months as a time traveler. Then you must apply for a further 3 months to extend your stay for another 3 months. You have to prove that you have the means to life for the following 3 months are available. $ 3,000 for 3 month it will be sufficient.

refuge after these 6 months, then once a short vacation in Costa Rica for a couple days and come back again, then you have the option for a further 3 +3 months. And all this is completely without any administrative events, with no official stuff and spasm and bureaucracy.

And During this time you lay down the foundations for independence and, for example establishing a Panama company, if required, depends on the business. This then forms the Basis for your permanent residence after this time.

proceed So you spared all the stress and bustle and an opaque Behördenkram within specified deadlines. For only site you will learn in this time, what other possibilities (and there are some) are for the rest of the official residence or emigration.

Merry Christmas

greeting Ramiro

^*)) A certificate confirming the status of a pensioner, either by foreign governments (eg pension certificate), international organizations or private companies that he received a pension of not less than $ 1,000 per month, or the equivalent in foreign currency is replaced. For each dependent person (spouse, children) to prove another 250 dollars.

This is the classic case of a visa authorities for pensioner in Panama, called "Tourista Pensionado" (actually nothing other than a permanent residence, only officially ).

remarkable: Even certificates issued by private companies (pension, etc.) are considered as evidence. (**) There are also those cunning Meier, who pretend to write to you from Panama, but not in Panama. .

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The right vacation in Panama?

This question is not for average Joe-tourist, but for people who want to learn about Panama from the perspective of a potential future lifestyle.

The extremely are most hotels and hotel apartment in Panama City. Most tourists go there and take a quarter. But for the exploration of the country lie in it then at the very end as a starting point. You arrive at Tocumen / Airport and drive to Panama City (about 30 km, about 30 minutes, about $ 25).

For Panama City, you usually need 1-3 days, including visit to the Panama Canal (Miraflores Locks). For this time I recommend you instead of a rental car to drive a taxi, which has the advantage, in addition to affordability, that the taxi drivers know where are the attractions. Take, as elsewhere, before the price.

But then It is actually in Panama only in one direction: West , on the road, the Carretera Panamericana , ie only in the direction of Costa Rica. Colombia direction you can easily forget you have little to Colon as well. Take a look at a map Panama (Pacific interessanater as Caribe side). There is of course absurd, from Panama City, Panama to explore. You would not explore a neighborhood of Dusseldorf in the Eifel, Hunsrück and Taunus.

is interesting to note (and tourist, the alien life) two zones: (from El Valle de Anton, about 150 km from Panama), "The Valley" and the Area of Chiriqui (region and its eponymous city) with the City of David (about 500 miles from Panama) and Bocas del Toro (islands, 700 kilometers from Panama) and the town of Boquete and the area (stands high as 1000 m, 580 km away). Take a look at my card:

http://sites.google.com/site/allgemeinesueberpanama/home/videos

I personally love the higher-lying areas do not (to stay), also located on the coast does not have to be ( then one can always go when you live here, not only on the weekends), more I like the countryside, the periphery of small cities and towns, as is La Chorrera, beautiful Capira and on to Chame (with the wonderful Punta Chame Peninsula) and San Carlos and Chitré (pottery). But as I said, this must not apply for others.

This area is the least dangerous, always warm climate (28-32 ° and 22-28 ° C at night, if it does not go into the mountains), good value in all (including houses, rentals and real estate), what life there regards and very quiet. Most foreigners (Americans, mostly senior citizens) living in the province of Chiriqui) and are also usually no sea view.

you need to consider how you want to spend your time and where you put up after the obligatory first days in the capital of their tents for the rest of the holiday. If you have a want to have rental car, ask me first. Although I can not mediate, you may say but functional. That you hire the best for the time after leaving the capital (but there) and give it to the end of your visit again.

is certainly an interesting trichotomy : Only the city of Panama, then the region Valle Anton and the coast with the beaches, then Chiriqui.

About Holidays I will report to a different blog yet.

Council : Build the small time schedule and in print. should more than 100 km per day not to be ....

Merry Christmas
your Ramiro Arena

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Fromme bladder

Islamic banking crisis is not a safe alternative for the financial market. The Dubai-debt crisis, according to Islamic principles have lost the aura of invulnerability.

The hitherto unprecedented booming emirate of Dubai is likely to have heard for most of the economic miracle countries of the Gulf region. After two weeks, the request from the Government to defer payment for overdue Rates of their state-owned company Dubai World had made clear to the investors a shock, that there are serious problems, on Monday last week, broke the stock market. Shortly after its opening, she slumped in Dubai by more than seven percent, with the index in Abu Dhabi even lost more than eight percent. The largest shares lost real estate companies, telecommunications companies and energy industry. The construction company Nakheel, part of the suspension of payment pleading Dubai World, whose financial difficulties, the crisis had provoked significant, had asked stock market opening in Dubai before the suspension of transactions with its Islamic bonds.

This is the financial crisis in the United Arab Emirates arrived. Although they were already also affected by the collapse of the housing bubble a year ago, but the shocks in international financial markets now seem to cope relatively well. A special shock it must have been for many investors in the Islamic world that were in addition to conventional financial stocks Bonds also according to Islamic principles, which promotes increased in recent months as the crisis-proof alternative to Western interest-based banking business, also in free fall are and thus their aura of invincibility lost suddenly.

yet recently appeared in Islamic banking many business people as ethically acceptable and economically less dangerous variant of financial products. The '5 World Islamic Economic Forum, "was seen in the spring still significant opportunities in the crisis for alternatives to the financial markets. Various Islamic institutions had no extravagant to claim that the crisis would not have been possible, the principles of Sharia law would come into use. Even the Vatican thinks DISCOVER-th-the distinct advantage of Sharia-compliant banking. The Osservatore Romano called in March to the western banks of the Islamic institutes in- learn. "Islamic finance can contribute to new rules in the Western financial world," wrote the newspaper, which is after all the journalistic mouthpiece of the Vatican.

Only on 7 November, the Central Council of Muslims in Germany, predicted an imminent boom in banking according to Islamic law in Germany. "It will not be long. The Kuveyt Türk participation bank, which will next year take up their operations in Germany, will be only the beginning. In two to three years it will really get going, "said the Central Council for the Certification of Islamic financial products compe-tent economist Michael Gassner.

Islamic banking had also been at European investors is increasingly attractive. The center of Islamic banking activities in Europe is London, where there are now five Islamic banks and a further 20 known large banks, the Islamic departments have opened, which, with an annual growth rate of 15 percent is hardly surprising. "The entire Islamic assets in-excess of 300 institutes around the world today," more than a trillion dollars, Mohammed Kamal gave to the Bank of Malaysia. "Five times as much as five years ago, rising." Lastly, there are 1.5 billion Muslims around the world if one of them consider only two or three percent as customers, we have a big audience.

Nakheel Properties, part of the ailing state-owned Dubai World, has a number of Sukuk bonds, for which no interest is paid on the market. The next due date with a volume of 3.52 billion is 14 December. A final failure would be the biggest in the market for Islamic bonds. The expert Arabia Luis Costa from Commerzbank holds a complete national bankruptcy Dubai Although unlikely, a disaster was imminent but by Nakheel. The Swiss banking giant UBS sees, however, no major threat to the creditors. It expects prevent the United Arab Emirates a default by Nakheel will be.

Now the negotiations begin. To counter the Islamic ban on interest, investors get a Sukuk held in interest income from real assets. An asset pool will be transferred to a trust which then sells the shares. At the end of the term, the pool is then bought back again, and the investors are paid. is "The problem now is that Dubai does not have the money to buy back the portfolio," said Tomas Prüm from the law firm Linklaters. "Then you have to go sometime in the recovery of the portfolio."

There are conservative Muslim forces, the sukuk as a non-Sharia-compliant view, because the risks are distributed differently. While Muslim financiers are generally more liberal than for example in Malaysia, their counterparts in Arab Gulf states pursue a conservative-fundamentalist line, as noted Rainer Scholz, in a background contribution to the radio recently Germany. But even in South Asian countries is increasing the influence of the conservatives. Only in 2007 was in Malaysia collapse of previously booming market of Islamic bonds overnight, because a lawyer was, 85 percent of the papers are not Sharia compliant. Investors remain as foreign investors and are thus at risk not normally involved. If the crisis in Dubai, expand, this would presumably strengthen the conservative forces of Islamic finance. Their business practices are much more reserved. Thus, as can be expected that the major projects of recent years in Dubai at such levels can be rea-functionalized, because under the rules of the stricter interpretation of Sharia nobody would want to take the risk. Win the critics, there will be the Sukuk market is no longer, but other Islamic financing structures such as Mudarabah, a kind of silent partnership, gain in importance.

The idea that Islamic banking is recession-proof, is certainly a fiction, already before the crumbling of the liquidity of Dubai was not very far. The boom in Islamic banking in the countries of the Gulf directly related to the construction boom, as noted Alfred Hackensberger a year ago in the Internet magazine Telepolis. Investment in real estate sales in the last few years always high profits and a liquid hedge funds represent the Islamic dar. "The Islamic banking, which has been in the past 18 months, hardly touched by the crisis," he quoted in his article Daniel Marx of the European Islamic Investment Bank, "could be taken in a second wave." At the moment could fall in oil prices created a liquidity problem, or It could simply drop the value of properties. Because of the boom in the construction sector could not continue inexorably.

This point now seems to be reached. And it will allow the later Hackensberger half a year would have in an article for the world expressed assertion, based on Sharia-compliant banking, real estate, where non-crisis in the U.S., finally be history. Instead of giving money to the Islamic banks had bought the house the whole or 80 percent. The customer would then have a month until the complete eradication rates paid. Excess payments would not be interest, but as compensation been considered for the increases in value, the ideal-type depiction.
"Another crucial factor in the crisis was the banking trade in non-existing assets," Hackensberger Steven Amos quoted by the Islamic Bank of Britain. "The conventional banks often did not know what they bought there, whether it is a real estate or deposits. We must however first have to deposit before we can do business. "Moreover, his bank had no money to lend to other banks and may. Loans in Milli arden height, which were not covered, investment banks like Lehman Brothers were brought down. The catch is, first, that the proscribed interest is collected only under a different name, of course, nonetheless, otherwise if the whole business for the banks so devoid of meaning. And second, such a model is based on the idea of constantly rising real estate prices - a bubble that had burst at some point simply.

more importantly the fact that the global financial and housing crisis is not simple result of some speculative bubbles and spreads eventually to the "real economy", but conversely, the consequence of a long-term structural overproduction and over-accumulation crisis of the capitalist world system. And on the other hand does not help the Sharia, because the crisis of production and capital utilization is not being solved by financialization in any form whatsoever.
Still another, at first sight rather unexpected loser there could be at the Dubai-crisis, if it expands further: the German bank. Because this has a very energetic Islamic Banking Department and with its branch in Abu Dhabi very active in this sector. Controlled by the business from there it has become one of the world's largest Emissionäre of Sukuk bonds, as their spokesman Frank Hartmann against the Nuremberg newspaper confirmed in early April. About the size he wanted, but no details . Make
same applies to the information that the German banking world as a major lender for Islamic banks is. That this is so, the spokesman confirmed, as well as the commitment of the top European location for Islamic banking in London, where the German bank even financed a research institute for Islamic banking. Were quickly at the Deutsche Bank but to insure not to be affected by the liquidity crisis at Dubai World, but refused any further comment. It will be very exciting to watch in the coming months what effect the partial collapse of the financial and real estate boom in the United Arab Emirates on Islamic banking will have a total.

Published in: Jungle World, 10 December 2009
http://jungle-world.com/artikel/2009/50/39956.html