Cuenca, Ecuador has become one of the premier retirement and expat destinations in the world. Forbes and other publications consistently rank comfortable Cuenca as one of the most desirable locations in terms of culture, a growing expat presence, and cost.
In addition to all of those accolades, one of the major pluses of this Andean city is the climate. Cuenca, Ecuador weather is ideal for those looking for the allure of a Latin American community without the extremes of heat and humidity. Owning property in Cuenca, Ecuador could be the answer to finding a place in paradise with the perfect temperate climate.
Howard Wood
Cuenca, Ecuador Weather – A Tale of Two Seasons
Like most of Latin America, Cuenca, Ecuador has two seasons – rainy and dry. The rainy season occurs from January to May, while the dry season generally runs from June through December.
During the rainy part of the year, mornings in Cuenca can be bright and sunny with afternoon rain showers. Much like spring in the U.S., the heaviest rainfall occurs during the months of March through May.
Regardless of which season, temperatures in Cuenca reflect the subtropical highland climate of most communities in Ecuador’s Andean highlands. With daytime temperatures in the mid 60s to high 70s and evening temperatures in the high 40s to low 50s, the air conditioner can certainly get a rest.
Below is a climate data chart for Cuenca that provides a good picture of what kind of weather expats can expect in this highlands city:
| Climate data for Cuenca, Ecuador | |||||||||||||
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
| Record high °C (°F) | 26.7 (80.1) | 26.1 (79) | 27.2 (81) | 24.4 (75.9) | 25.0 (77) | 25.0 (77) | 22.8 (73) | 25.6 (78.1) | 25.0 (77) | 27.2 (81) | 27.2 (81) | 27.2 (81) | 27.2 (81) |
| Average high °C (°F) | 20.6 (69.1) | 21.1 (70) | 20.6 (69.1) | 20.6 (69.1) | 19.4 (66.9) | 18.9 (66) | 18.3 (64.9) | 18.9 (66) | 20.6 (69.1) | 21.1 (70) | 21.7 (71.1) | 21.7 (71.1) | 20.3 (68.5) |
| Daily mean °C (°F) | 15.3 (59.5) | 15.8 (60.4) | 15.6 (60.1) | 15.3 (59.5) | 14.4 (57.9) | 13.6 (56.5) | 13.3 (55.9) | 13.3 (55.9) | 14.7 (58.5) | 15.3 (59.5) | 14.7 (58.5) | 15.6 (60.1) | 14.7 (58.5) |
| Average low °C (°F) | 10.0 (50) | 10.6 (51.1) | 10.6 (51.1) | 10.0 (50) | 9.4 (48.9) | 8.3 (46.9) | 8.3 (46.9) | 7.8 (46) | 8.9 (48) | 9.4 (48.9) | 7.8 (46) | 9.4 (48.9) | 9.2 (48.6) |
| Record low °C (°F) | 3.3 (37.9) | 2.8 (37) | 3.9 (39) | 1.1 (34) | 0.0 (32) | −0.6 (30.9) | −1.7 (28.9) | −1.1 (30) | 2.2 (36) | −0.6 (30.9) | −0.6 (30.9) | 1.1 (34) | −1.7 (28.9) |
| Average rainfall mm (inches) | 67 (2.64) | 85 (3.35) | 107 (4.21) | 109 (4.29) | 77 (3.03) | 68 (2.68) | 53 (2.09) | 47 (1.85) | 56 (2.2) | 73 (2.87) | 69 (2.72) | 67 (2.64) | 878 (34.57) |
| Avg. rainy days (≥ 0.1 mm) | 20 | 21 | 22 | 19 | 15 | 11 | 10 | 10 | 12 | 16 | 13 | 10 | 179 |
| Mean monthly sunshine hours | 155 | 113 | 124 | 120 | 155 | 150 | 186 | 186 | 150 | 155 | 150 | 155 | 1,799 |
| Source #1: Sistema de Clasificación Bioclimática Mundial (temperatures)[1] | |||||||||||||
| Source #2: Cuenca Climate Guide [2] | |||||||||||||
Sources: Sistema de Clasificación Bioclimática Mundial (temperatures) and Cuenca Climate Guide
A Matter of Geography
With spring-like temperatures most of the year, expats should remember that sweaters and jackets may be necessary during the evenings. Cuenca, is, after all, in the mountains and, at 8500 feet above sea level (Denver, by comparison, is 5,278 feet), cooler nighttime temperatures are to be expected.
One benefit of the higher altitude is drier air. For sinus sufferers, the mountain climate can be a welcome relief from the chronic troubles more humid conditions and higher dew points often bring.
Paul De Andrade
What to Expect on an Average Cuenca, Ecuador Weather Day
Learning what clothes are needed and how to dress comfortably is an important part of acclimating to your new Latin American home. Here is what to expect on an average day in Cuenca:
The Morning
Cool, crisp mountain air, brilliant sunlight and fathomless, deep blue skies paint a perfect portrait of a Cuenca morning. The chill of the night may be lingering, so grab a sweater or jacket before venturing out for morning coffee.
Midday
A few wispy clouds may begin to appear that may, or may not, herald the approach of rain. As the temperatures have warmed up, you can leave the outerwear at home, open your windows to let in some of the gentle breeze, and enjoy another day in your mountain paradise.
The Late Afternoon
If this is during the rainy season, expect a rain shower (Have that umbrella or windbreaker ready). Fortunately, it won’t last long and will leave freshness in the air.
Nightfall
When going out for the evening – perhaps to a concert or dinner – be sure to have a jacket or heavy sweater along. By the time you return home, the temperatures could dip into the high 40s. That makes for good sleeping weather under an Ecuadorian blanket; if you have a fireplace, a nice fire can warm both the living space and the soul.
Micheal
The Cuenca, Ecuador Weather Is Moderate in Other Ways
With lower mountain temperatures than those that expats would encounter in beach or tropical rainforest areas, the cost of electricity (specifically for air conditioning) in Cuenca is dramatically lower than in regions where air conditioning is, virtually, a necessity. This translates in to a more budget friendly environment for expats who have a fixed or limited income.
Another benefit, albeit a more intangible one, is that the comfortable climate can act as a catalyst to more outdoor activity. Walking through the historical district – designated a UNESCO World Heritage site – is even more pleasurable while enjoying the cool mountain air under the stunning azure sky.
The Best Way to Discover the Meteorological Advantages of Cuenca – Go There!
For those expats who want to find a highland retreat that combines a great cultural and community environment, a comfortable mountain climate with moderate temperatures, lower rainfall, and drier air, as well as a vibrant social and art scene, Cuenca, Ecuador is for you.
If you are among those who have wondered about how you would enjoy life in the Andean Highlands, visit Cuenca and see for yourself. The spring-like weather that Cuenca enjoys year-round makes any season a great time to visit and immerse yourself in this gem of Ecuadorian life. Come on in; the weather’s fine.
Podcast – Exploring the Last Frontier (the Ocean) with 11-Time Freedive Record Holder Hanli Prinsloo
Peter Marshall
Hanli Prinsloo is a Freediver and Ocean Conservationist who has had many incredible adventures, one breath at a time. Freediving is the practice of diving below the surface of the ocean on a single breath. Professionals can go hundreds of feet down in competitions, but freedivers also get to see things surface dwellers never even dream of experiencing. Like looking into the eye of a 60 foot sperm whale, sharks, or reaching a calm, deeply meditative place.
On this episode Josh and Hanli discuss how yoga and free diving have a lot in common, what it is like to swim with the giant animals of the sea, and why this sport could be the best hope for bringing awareness to the life in the oceans.
Hanli also takes us through a 200 foot dive and what it feels like and how you prepare to do it. Listen and hear a great example of someone following their lifelong dream and living in a way many have never considered.
Listen to the show
You can listen to the show using the player above or grab it and listen on the go via one of the following options:
- Click here to download the mp3
- Click here to subscribe via iTunes
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- Click here for the show archive
React to the Show
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Show Notes
Learn more about Hanli here.
Many expats are giving serious thought to living in Panama, as a result of all the attention that has been focused on the potential of the country. An important step in making the decision to move abroad is to actually learn about the pros and cons of life in your prospective destination from those who have already made the journey
The options for expats, investors, and retirees considering Panama as a potential location can range from the modern urban life of Panama City to mountain towns like Boquete to coastal fishing villages like Boca Chica. Regardless of your preference, doing the research about this Latin American country, rightfully known as the Hub of the Americas, is a great place to begin your quest.
descubriendoelmundo
There Is Potential for Expats Living in Panama
There are no perfect paradises in the world. Each location comes with its own unique set of positives and negatives that potential expats should consider before making a decision or committing finances. Panama is one of those destinations that has many desirable qualities for those seeking a life abroad.
Streamlined Residency
The Specific Countries Program that was enacted three years ago makes it easier for U.S., Canadian, and European passport holders to qualify for Panamanian residency in as little as six to eight months. Skilled and educated workers may also qualify for a worker’s permit under recent revisions. Naturally, time frames can vary depending on how fast the government bureaucracy can process applications.
Familiar Currency
The U.S. dollar has been used as legal tender for all transactions in Panama for quite some time. Being able to use your funds without dealing with the hassle of exchange rates and international conversion fees is a great benefit when handling daily transactions such as grocery shopping, paying bills, etc.
Easy Access
Perhaps one of the most popular features of living in Panama is the ease of getting to and from the country. Daily, regularly-scheduled flights from 15 U.S. cities are easy to find and are quite affordable. Inside of Panama the country’s domestic carrier, Air Panama, is also expanding its service to new locations, such as Pedasi. For expats who want the security of being able to return back home to visit friends and family, this convenience is an extremely attractive feature.
Quality Health Care
Health care in Panama is a pleasant surprise for most expats. Modern facilities and equipment are available. For example, the Hospital Punta Pacifica in Panama City is affiliated with the world-renowned Johns Hopkins University and offers the same quality of treatment found in any major U.S. metropolitan area, but for a much lower cost.
Being a Retiree in Panama Translates Into Savings
Retirees, known as pensionados, are entitled to many discounts on services and products throughout the country. For those living on a fixed budget, these savings can make a big difference in the quality of life.
Zhu
Adjusting to Expat Life While Living in Panama
For many expats, living in Panama requires an adjustment period. This “culture shock” can be minimized if new arrivals understand some of the potential issues of daily life in their new tropical home.
This Is the Tropics, After All
Panama is a tropical country; except in the highland areas, the areas along the coast and in Panama City are hot and humid much of the year. For many expats, adjusting to these temperatures can be a surprising challenge. While some like it hot, there are others who may feel that this climate change is too extreme for a long-term commitment.
Traffic Jams Exist in Paradise, Too
Expats who think that cities in Latin America will not have the same congested roads and traffic jams found in many major metropolitan areas of the U.S. are in for a rude awakening. Panama City’s traffic is notoriously bad and can remind residents of the traffic problems back in the States. Even on more rural roadways, rules of the road (think stop signs, red lights, no passing, etc.) are viewed more as “guidelines” than mandates.
Growth Is Challenging the Infrastructure
While Panama City has a modern and urbane environment, other areas of the country are less developed and far more rustic in nature. If having access to modern amenities is a requirement, this could limit the choices for relocation.
Language Is Still Important
Panama does have a significant number of English speaking residents – both native Panamanians and long-term expats who have lived in the country for a while. However, having at least a basic understanding of Spanish (particularly outside of Panama City) can make the expat transition much less difficult. For those who are linguistically challenged, having to learn a foreign language may be an overwhelming negative.
Panama City Is No Longer an Inexpensive Location
As Panama City has continued to grow and develop, prices for the rental or purchase of residential property have also increased. While some online sources tout the affordability of living in Panama, realizing that Panama City’s prices are not that much different from many U.S. cities is something to consider. Fortunately, there are still many properties outside of the metropolitan area that are less expensive and do have a tremendous potential for return on investment.
Adam Mizrahi
Make Living In Panama an Adventure
There are going to be other cultural and societal differences that will impact your daily life in Panama. The laid-back attitude of the country requires adjustment to such things as scheduling appointments, arranging for work to be done, or even standing in line at the store.
This slower, more casual pace, however, is also one of the most attractive features of living here. Remember that escaping the hectic pace of your U.S. lifestyle was one of the main reasons you made the decision to become an expat in the first place.
Embracing the differences, immersing yourself in Panamanian life, and appreciating the differences is the most important part of living in Panama. Take the time to visit the country and see for yourself what this Hub of the Americas is all about and, more importantly, whether Panama is right for you.
Lisa Cho
Ecuadorians love to celebrate. Regardless of the time of year, colorful displays of dancing, parades, and costumes can be found somewhere in the country.
Embracing both the pre-Columbian past and the Spanish colonial era, as well as honoring the religious significance, these festivals are just another reason that Ecuador continues to grow as a great expat destination for vacations or permanent relocation.
For expats and those considering Ecuador as a possible location to live, immersing yourself in one of these holiday festivities is an enjoyable way to experience the culture of this fascinating country firsthand. Importantly, foreigners are as welcome as native Ecuadorians to participate in these events and enjoy all that they offer.
We asked Lisa Cho, a California native who writes the Cuenca Culture Shock blog, to share with us about her firsthand experiences with these celebrations as an expat living in Ecuador. Here’s what she had to say:
Lisa Cho
Guest Post: Ecuador’s Must-See Festivals
Thinking of living in Ecuador? Get ready to immerse yourself in an entirely new culture, a different language, and a different way of…partying? Yes! Ecuadorians certainly know how to celebrate and there are several festivals throughout the year.
Depending on the holiday, there might be parades, street parties, folkloric dancing, and a variety of special foods. Expats who live in Ecuador can keep celebrating Christmas and Thanksgiving while learning a rich variety of new traditions. These are my three favorites.
November Festivals of Cuenca
Each major city has its own festival that celebrates its independence. In Cuenca, Ecuador, these festivities last an entire week and there are activities every day. Along the river, there are hundreds of arts and crafts stalls from all over Ecuador and Latin America. The city government helps bring in the best and most unique selection of vendors, so you can find necklaces made of seeds from remote Amazon tribes, or hand-knit alpaca scarves from Chile.
Meanwhile, the downtown area hosts different smaller cultural events, all for free. There are guitar playing workshops, art receptions, documentary screenings, and live music events. Toward the end of the festival, the streets explode with life as folkloric dancers, schools, and other local organizations parade down the streets, and at night, the town stays awake all night partying in the street to the boisterous sounds of local bands.
Corpus Christi
This is a religious celebration that celebrates the body and blood of Christ. In Ecuador it also happens to be a feast where people gorge themselves on hundreds of kinds of sweets. In Cuenca, stalls cover the main plaza and sprawl out into side streets. There are honey-rolled coconut balls, sweet cheese-filled “quesadillas”, alfajores filled with dulce de leche, chocolate bonbons, and more.
As a religious festival, there aren’t wild parties at night but you will see amazing parades during the day. They also light a wooden castle which creates a whirlwind of spinning wheels, exploding colors, and fireworks. It’s all too easy to gain 10 pounds during Corpus Christi, but there’s always a brisk walk by the river and freshly-squeezed carrot juice to help you burn it off.
Lisa Cho
Carnaval
Carnaval is celebrated completely differently in Ecuador. Rather than ongoing wild parties, Ecuadorians engage in ongoing public water fights. You may be walking down the street and be hit with water guns, water balloons, or even a bucket! Carnaval is a love-it-or-hate-it affair in Ecuador. Some cities have even banned the public throwing of water balloons, pushing the water-soaking parties into the backyards of families. Other cities, however, embrace it.
My favorite place to celebrate is Gualaceo, a small town 30 minutes from Cuenca where people gather for an enormous all-day water fight. Families gather along the riverside alternating between grilling food, especially “cuy” or roasted guinea pig, and going completely wild. The town’s river supplies an endless supply of ammunition for water guns and buckets, and the sunny weather makes getting soaked part of the fun. The “get-the-gringo!” attitude is very common among the local kids, so don’t expect to sit on the sidelines!
One of the most important parts of expat banking and finances is being able to access your funds, whether in local currency or U.S. dollars, easily and inexpensively. Being able to navigate the local banking system, using the ATMs, and understanding fees and potential issues that may arise while using debit and/or credit cards can reduce stress and save money and time.
Learning the ins and outs of the banking system in your chosen tropical location is as important as discovering other nuances of expat living. Making a checklist that includes information about local banks is a great way to prepare for some of the challenges that may lie ahead.
B Rosen
Understanding the Differences in Expat Banking and Finances
For recent expats (and even those who have been living abroad for a while) dealing with foreign banking systems and how they interact with U.S. banks can still present a variety of challenges. Below are some key points to keep in mind:
Different Banks Have Different Rules
Unlike the U.S., banks throughout Latin America often have different requirements, even within the same country, for foreigners seeking to use their services. Some institutions will only do transactions in local currency; others may not have online bill paying capabilities for such things as utilities, etc. Even business hours may vary; the traditional “banker’s hours” certainly are different in paradise.
Opening a Bank Account Abroad May Not Be So Easy
With the recent passage of the Foreign Account Tax Compliance Act (FATCA), many banks in Latin America are refusing to deal with U.S. passport holders. The reason? With the complicated reporting requirements to the IRS and potential penalties for not reporting, local banks have found it easier just to avoid the problem altogether by not doing business with expats.
Increased concerns involving illegal activities, as reflected in tighter AML (Anti Money Laundering) rules and, of course, the Patriot Act, have also impacted the ability of expats abroad to open local accounts. This is a trend that can be expected to continue to increase for the foreseeable future.
Even those banks that still will permit foreigners to open accounts often mandate massive initial deposits, proof of residency, and other requirements that many new expats, frankly, are unable to meet. As a result, new arrivals in paradise may have to rely on their banks back home as a source for their funds.
Think Panama
All ATMs Are Not Created Equal
As is the case in the U.S., the fees charged by the owners/operators of ATMs for withdrawing cash can vary greatly. In addition, many ATMs only use Spanish for their language option. For those who do not understand or speak the language, this could also result in confusion and create potential problems.
Not all ATMs will have the option of receiving your cash in either U.S. or local currency. Before completing a transaction, make certain that the cash that you will receive is in the currency you were expecting.
Beyond any local fees that local institutions may charge for using their machines (again, not dissimilar to the U.S.), there will be exchange rate fees and transaction fees from your home institution as well. Comparing the various rates banks charge for purchases and cash withdrawals can help you choose an option that can save you money in your new expat life.
ATM Versus Debit Cards
There are differences between ATMs and Debit cards that can impact their usefulness abroad. Generally speaking, Debit cards will have a VISA or MasterCard logo on them and can be used for purchases as well as cash withdrawals; ATM cards are more limited and primarily are used for accessing funds in checking or savings accounts. Inquiring with your institution to see if you can have both issued can be another tool to maximizing your account options.
Think Panama
Problems Involving Expat Banking and Finances (and How to Prevent Them)
There are few things more traumatic to expats building a new life in their chosen tropical paradise than to abruptly discover that they can’t get to their money. Below are some of the most common problems and ways of preventing (or limiting) their impact:
I Can’t Find an ATM That Will Accept My Card
If your home institution is part of the PLUS or Cirrus networks, finding an ATM that is part of those networks should be easy; over 135 countries participate in those programs. If you have trouble finding a local ATM that is a member, there are online directories that can provide the locations of compliant machines.
My PIN Number Doesn’t Work
Many foreign banks will only accept PIN numbers that are four digits long and numeric. If your PIN is longer than four digits, or has letters and/or symbols, consider changing it before you depart for your tropical destination. This simple precaution can prevent a lot of undue worry.
My Card Is Blocked
This scenario is becoming more frequent as international fraud has increased. Unfortunately, banks are not required to notify their customers that a block has been put on, the result being that the first time you may learn of this situation is when your transaction is declined. The best way to limit the impact of this problem is to have more than one option for accessing your cash; having two or more accounts (savings, checking, credit, etc.) will permit you to get to your funds from a different source until the blockage issue can be resolved.
A second preventative measure is to have a travel advisory placed on your account(s) before you go so that your bank/credit union doesn’t think that a fraud is being attempted. Additionally, keep your bank’s contact information readily available in case a question arises; many institutions have online access as well as phone services that are available 24/7/365.
My Card Was Lost or Stolen
Immediately contact the issuing bank and advise them of the situation. Find out from them what their best recommendations are for replacing your card and accessing your funds in the interim. If an Internet site is available, monitor all activity on your account and report anything suspicious.
Final Thoughts
Learning the best methods of getting to your money after arriving in your chosen expat destination may seem daunting but, in truth, it’s only another part of adapting to your new tropical lifestyle. Take the time to examine your banking options, both local and with your current financial institutions, as you prepare for your overseas adventure. Your efforts today can make your tomorrows far less stressful.
Your new expat life is going to involve a lot of adjustments, on many levels, during the first six months of living in paradise: social, mental and, yes, physical. Knowing some basic health tips can make living in your tropical retreat much less stressful.
Many Latin American countries have excellent health care options and insurance programs that equal those in the U.S. and are far less expensive. However, there are still many areas where modern medical access is not always immediately available. Learning common sense approaches on adapting to your new environment can make living healthy an easy and enjoyable task.
Nick Kenrick
Health Concerns in a Tropical Paradise
For all the benefits of living in an environment where life moves slower, nature is on full display, and the opportunities for rediscovery are nearly boundless, being aware of potential health problems is an important part of immersing in the new world you have chosen. There are a number of physical conditions you must look out for.
Skin Problems
Perhaps the most common medical issues faced by newly arrived expats to the tropics are those involving the skin.
- Insect Bites – Insects are everywhere, especially in more rural settings. Using a good insect repellent (one with DEET) is your best defense. Treating bites is easy; using anti-itch medications, such as Benadryl, can clear things up in a few days.
- Sunburn and Heat Rashes – Playing in the tropical sun for extended periods can have unintended consequences. Applying a sunblock/sunscreen can cut down on your risk of burning. If a heat rash develops, keeping the skin clean and dry, and staying cool. This should resolve the itchiness and redness. Fortunately, as you adapt to living in paradise, your skin will also develop a greater tolerance to this new environment.
- Other Eczemas – Other skin conditions may be the result of fungal or bacterial infections. Keeping your skin and clothing dry and clean can do wonders for reducing the risk of these occurring. If a problem arises (rash, itchiness, or dry, scaly patches), using topical anti-fungal medications is the best treatment. If things don’t seem to be getting better, a doctor should be consulted.
- Heat and Sun-Related Illnesses – Heat stroke and sun stroke are often not thought of until they appear in the form of light-headedness and disorientation. Remembering that you are living in a tropical climate and, depending on which country, much closer to the Equator is important. Allow yourself to adapt physically, as well as mentally; all things in moderation.
Stomach Disorders
A close second on the list of most common medical problems for new expats involve the stomach and digestive tract.
- Travelers’ Diarrhea – Eating new foods and drinking water from unknown sources is the principal cause of this all-too common condition. Making certain that food is properly cleaned and water is from a disinfected source (or bottled) are good preventative measures. If this does happen to you, make certain to stay hydrated and eat lightly; things should clear up in a few days.
- Giardiasis and Schistosomiasis – Less well known, these two ailments also impact the digestive tract, urinary tract, and kidneys. The presence of blood in the urine or stool, along with diarrhea and cramps, are primary symptoms. The best way to avoid them is to maintain good hygien,e as well as proper food and water preparation/sterilization.
- Cholera – Drinking contaminated water or eating raw/uncooked seafood (think ceviche) are the primary causes of this illness. Fortunately, modern antibiotics and rehydration can combat and ultimately defeat this disease.
Less Common, More Serious Conditions
While not as common, there are a number of serious conditions that expats should be aware of.
- Malaria, Yellow Fever, Dengue Fever – This group of illnesses, though less common, still exists throughout much of Latin America. Marked by high fevers, aches, and general weakness, these ailments are most commonly spread by mosquitoes. Using insect repellent and mosquito netting, when in more wooded or jungle areas, are ways to minimize the exposure risk. For some of these illnesses, vaccinations are available and should be considered before the move.
- Hepatitis A-E – These are blood based illnesses that affect the liver and usually involve some kind of transmission through exchange of bodily fluids; hepatitis A, however, can be contracted through contaminated food. There are vaccinations, but only for types A and B.
Robert Thomson
Health Tips to Consider Before You Go
While no one can truly prepare for the unexpected events in life, there are a number of things an expat can do before arriving in their Latin American home which can be beneficial in dealing with medical situations that may arise.
Stock Up on Prescription Medications
If you, or a family member, are taking regularly prescribed drugs, make certain that all of the prescriptions are filled – preferably for 90 days or more. You may want to speak to your medical provider on options for receiving renewals if you are out of the country.
You may also want to do some online research into what alternative or generic medicines may be available in your new location. Many countries sell prescription drugs over the counter without your needing to see a physician; while the names of the drugs may be unfamiliar, the actual formulas can be identical to those you may already be using.
See Your Doctor, Get Examined, Get Vaccinated
Getting your annual examination done before leaving the country is a great, common-sense step to identifying any potential health issues. Getting current on all vaccinations should also be high on that list; many Latin American countries have the potential for harmful diseases, particularly in more rural areas, which can be prevented through vaccination.
Does Your Insurance Cover You Outside the U.S.?
Most health insurance companies have limits on coverage outside the U.S. Additionally, finding providers in your new home who would accept foreign insurance can be extremely difficult. Looking into health insurance in your new country and speaking with your former carrier can give you insight on how to proceed.
Since out-of-pocket expenses for medical services is much less than in the States, (and possibly less than an insurance premium), considering just paying for care, when needed, might be the best budgetary option. Check on social media to see what others who have gone before have to say on this topic.
Stock Up on Your Over-The-Counter Supplies
Finding things like sinus and allergy pills, aspirin and other pain medications, antacids, or topical skin medications for insect bites and sunburn, can be difficult when you first settle in. Make sure that you bring plenty of these types of products with you to help you manage these situations until you learn where their local equivalents can be purchased.
Autentico Adventures
Covering Your Bases
Preparing for and adapting to the life-changing experience of becoming an expat can be much easier by using basic common sense. Here are some simple tips to help you adjust.
Remember Where You Are
There is going to be a period of adjustment to your new environment. Don’t expect your body to immediately become comfortable to newer foods and newer temperatures. Keep this simple truth in mind and allow yourself time to settle into expat life; slower is better.
Have a Fallback Plan
Although they probably won’t be needed, make certain that you have contact numbers for the U.S. consulate/embassy in the event that a serious medical situation develops. Consular officials can be helpful to arrange transportation back to the States in a worst case scenario.
Make a list of all medical conditions and medicines that you are taking and keep them with your passport. A list of emergency contacts (friends/family) should also be included. This information can be useful in emergency situations.
Fulfilling your Latin American dreams can be the most profound life choice you can make. Knowing that you can make this transition and keep healthy at the same time will only enhance the experience.
A major concern among potential expats and retirees is how safe it will be to live in their new country. It is a fact that there are areas in Latin America where crime and violence are prevalent, particularly in urban centers. The good news? There are still places where expats can find some of the safest countries in the world in the tropical paradise of their dreams.
The emerging countries in Latin America face a number of challenges as they continue to develop improved infrastructures and economies. Political instabilities and the growth of organized crime in some countries have also been major factors in personal safety concerns. At the same time, several countries in the region have made good improvements in public safety.
Steve Summers
How Safe Is Living in Latin America – The Numbers
A recent Gallup Law and Order Index poll showed that residents in Latin American and the Caribbean were least likely to feel their communities were secure. This survey was based on factors such as confidence in the local justice system, how safe respondents felt personally, and self-reported incidences of theft or other crimes.
Significantly, however, the index ranking (of world regions) actually improved 2 points from the previous 2009 survey. Other regions, while ranking higher, showed decreases during the same period; the U.S. and Canada, -1 point; south Asia, -6 points; Middle East and North Africa, -5 points. Even the number one region in the poll, Southeast Asia, dropped 2 points. Clearly, Latin America is moving in a positive direction.
The 2014 Global Peace Index also shows promise for the region. Of the 162 countries ranked, several popular expat destinations ranked quite high; Costa Rica came in at number 42, Panama, number 57, and Nicaragua, number 58.
What About the Cities?
It may come as a surprise, but many Central American cities are safer than those in other locations. No cities in Costa Rica, Nicaragua, Panama, Ecuador, or Belize even appear on the Mexican Citizens’ Council for Public Security and Criminal Justice, or CCSP-JP, which publishes an annual report of the 50 most violent cities in the world.
While Brazilian and Venezuelan cities make up the majority of those Latin American communities on the list, Mexico, by contrast, has seen a reduction in the number of cities on that list from 12 in 2011 down to 10 in 2014.
Even the U.S. has more cities on the list than most Latin American countries; [St Louis (19), Detroit (22), New Orleans (28) and Baltimore (40)]. This is just another indication that your tropical dream location may be among the safest countries in the world.
Mii Chiel
How to Find the Safest Countries in the World
Each country has areas that are less safe than others. As part of investigating where in paradise you want to live, there are some simple things that you can do to help select the most comfortable place to begin the next phase of your life.
Online Information Is a Great Place to Begin
Because of the increasing interest by expats, retirees, and investors in Latin America, there is a wealth of information about each country that can be readily accessed by the proverbial “click of a mouse.”
In order to avoid information overload (which can easily happen), make a short list of the desirable characteristics for your tropical paradise as well as a list of concerns that you may have. When you start your research, using your lists can help focus your efforts to truly gain an understanding of the countries and communities that interest you.
Many expats post blogs, make entries on social media applications such as Instagram and Facebook (to name two), or join online groups to share their experiences living abroad. Become part of these groups, read the entries, and, above all, ask questions about the prospective destination. Learning from those who have already made the journey is, perhaps, the best way of discovering any potential issues that may not be openly advertised on sales or market-driven sites.
There Is No Substitute for Visiting First
While doing research and connecting with other expats is certainly an important part of finding a location that you can enjoy and feel safe in, there is no substitute for actually visiting yourself. If possible, make more than one trip; being able to experience life in your preferred area at different times can help fill in some of the “knowledge gaps” that remote research just can’t complete.
Talk to the Locals
Getting to know the ins and outs of your new community is one of the best ways of staying safe not only in Latin America, but anywhere in the world. Talk to the locals that live there, preferably expats who speak your language. There is no better source to learn where the problems are and how to look out for them than residents who live with them day to day.
Can Latin America Be a Safe Haven for Expats?
Ultimately, the big question for many expats is: Will my new home in paradise be safe? The answer would have to be a qualified “Yes.”
There are legitimate concerns about public safety in a number of Central and South American countries and communities. At the same time, there are also many desirable destinations whose crime rates are less than many American cities and towns.
The continued efforts by many Latin American governments to encourage foreign investment and ownership of property will, in the long term, continue to increase the level of public safety in their nations. Additionally, as expat communities grow and flourish, the amounts of information available to potential new arrivals will only increase and provide a more concise picture of how safe life can be.
Deciding to become a tropical resident involves a certain amount of faith in the outcome. Putting in the time, in terms of gaining knowledge and visiting places that intrigue you, is one of the best ways of ensuring that the safe haven you seek is where you desire.
There is no time like the present to begin the quest. Let your journey of discovery begin today.
Located 1200 meters (3900 feet) above sea level, this little Panama mountain boasts the perfect climate. It is obvious why it is such a hit with expats and retirees. Great weather, lots of restaurants, and a walkable, small town feel.
Paul McBride joins the show to discuss Boquete’s enduring appeal and why you should consider it even if you want to be near a beach. We also talk about the real estate market, how the area has changed over the last decade, and where you should be looking for investment opportunities.
Additionally, Paul tells us about the costs to build a home as well as local market prices and why he has called Boquete, Panama home for over a decade.
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The Show Notes
Contact Paul anytime here.
Bernal Saborio
It’s no accident that Panama City, Panama, has become a top expat destination for people from all over the world. Just look at what the city has to offer:
- balmy climate
- clean drinking water
- stable government
- first world amenities
- reasonable cost of living
- high quality medical care
- rich cultural experiences
- quick access to rainforest, beaches, and mountains
Panama City is close enough to the U.S. to make travel into its Tocumen Airport a quick jaunt from Miami, and yet it’s also an easy gateway to further travel in Central and South America. If you want glamorous, big city life, you can have it there, but you can also connect with local people from indigenous cultures who can show you a simpler manner of living.
Either way, you’ll have the best of both worlds in Panama City. Here’s our expat guide to Panama City to help you make the jump into one of the best places on earth to reboot your life.
Tannaz
Daily Life: What to Expect
Panama City has the highest per capita income in Central America. With high speed Internet, modern global banking, and currency in the U.S. dollar, you might think for a minute that you’re in a big U.S. metropolis.
But unemployment is higher in Panama City than in the States, so rather than counting on finding employment there, it’s best to have your income lined up before you go, whether that’s working remotely or starting a business there. Panama offers numerous perks for business investors in the tourism industry, including fewer duty restrictions and income and real estate tax exemptions.
Life is a little slower in Panama, so plan on things taking longer than you’d expect in the U.S., such as completing household repairs, ordering utilities, or filing government papers. That’s an aspect of Latin culture that’s pervasive in Central and South America. The upside is that life is savored in Panama, and you can count on people taking the time to enjoy food, company, and entertainment.
Be aware, though, that no one arrives on time for social events, so don’t fret if you’re waiting for friends at a restaurant or they’re not at your door on the stroke of the hour. Like in most Latin countries, it’s nice to bring your hosts a little gift if you’re invited to their home – something like wine or candy is always appreciated.
And if you learn at least a little Spanish, it will make life infinitely easier for you in both business and social settings and will go a long way in dispelling stereotypes about arrogant foreigners.
Geoff Gallice
Residency and Cost of Living
While it’s a tad more expensive than the countryside, Panama City affords expats a very reasonable cost of living. Although utilities fluctuate with the price of fuel, you won’t have any need for heat, nor will you want to use air conditioning very often (most places don’t have it).
Panama City has a warm, moist climate much of the year, with a dryer period from January to April, and the ocean breezes keep it pleasant most of the time. Many expats get by with just Internet and a mobile phone, so you can kiss your land line and fax machine goodbye.
A couple can get by on about $1,500-2,000 per month, with about half the monthly budget going towards rent. While you may be spending close to what you pay in the States for a house or apartment, you’ll get far more in terms of square footage, charm, building amenities, and gorgeous views. Of course, you can always purchase property there too. Buying a home in Panama, with the help of a local attorney, is fairly straightforward and free of restrictions.
One of the hallmarks of Panama City is its top-notch health care. At the most expensive hospitals, such as the Johns Hopkins-affiliated Punta Pacifica, you can expect to pay about half the U.S. cost of medical treatment. And many other excellent clinics provide service for considerably less.
There are many visa categories for foreigners who want to live in Panama, but if you can take advantage of the pensionado visa, you’ll definitely want to do so. Offered to those in good health with no criminal records and a minimum income of $1,000 per month, the pensionado allows you to import a car to Panama every two years, import your household goods with no duty, and pay discounted prices at movies, restaurants, hotels, and public transportation.
Tony Mendez
The Expat Guide to Panama City Residential Neighborhoods
Panama City is a city of neighborhoods, and they are all quite different. While you should stay away from El Chorrillo, Santa Ana, and Chinatown due to safety issues, there are a number of residential areas that many expats find quite pleasing.
Balboa, Cerro Ancon, and Albrook are all neighborhoods in the former canal zone, including a one-time U.S. Air Force base that is now used as a domestic airport. The view from the top of Cerro Ancon is stunning, with 360-degree vistas of the city and the canal.
Bella Vista, Area Bancaria (the financial district), and El Cangrejo form a compact spot that could be considered one upscale neighborhood. One of the few areas in Panama City that is easy to negotiate on foot, this locale makes it easy to walk to its plethora of shops and cafes. If you’re not putting up visitors in your home, they’ll love the lodging choices in El Cangrejo.
If it’s high-rise glamor you want, you’ll find it in Marbella, Punta Paitilla, and Punta Pacifica. There, steel and glass towers are interspersed with modern shopping malls, and the coastline location provides beautiful views.
Rodrigo Gambassi
Fun Activities Around the City
Casco Viejo is another popular neighborhood that mixes residences in classic centuries-old architecture with lively entertainment and tourist appeal. It is currently undergoing a major gentrification and is another neighborhood best experienced on foot. Some other popular attractions include:
- Panama Viejo – ruins of the old Panama City
- Amador Causeway – a malecon connecting four islands near the Pacific side of the canal filled with restaurants and tourist spots reminiscent of Miami
- Parque Natural Metropolitano – a fabulous nature park only ten minutes from downtown
- The Panama Canal – not just for tourists
- Mercado de Mariscos and Mercado Publico – the seafood and adjoining farmers markets
If sports are your thing, there is world-class baseball and horse racing in Panama City too, as well as bike rentals on the Causeway. Dance clubs, bars, and pubs abound, from the most casual to velvet rope glitzy. Shoppers can always find something to please at any of the city’s galleries and mega malls or the smaller centers for handicrafts. Avenida Central is full of colorful bargains with real local flavor.
gil2594
Getting Around Panama City
Driving in Panama City is a lot like driving in the U.S. as far as rules and regulations go, but the traffic is considerably more congested. If you must drive, be aggressive but watchful and ready to stop on a dime.
Watch out for pedestrians – there are a lot of jaywalkers in Panama City – and never leave valuables in your car. There are street or parking lot spots with guards who will watch over your car for a small fee. Keep your doors locked and always carry a map with you, not that it will necessarily do much good on many of the unnamed streets in the tangle of downtown.
Taxis are a better way to go, and they’re very inexpensive in Panama City. For about $2, you can get around downtown, and $5 will get you out to the Causeway. Even cabs can have a difficult time with the lack of formal addresses, so try to give them as much information as you can about your destination. Be sure to confirm your price ahead of time, and don’t be surprised if you pick up another passenger during peak rush hours or rainy days.
Living in Panama City can be fantastic for expats who want the modern comforts of the first world with the cultural experience and lower cost of Latin America. Panama City has an active and well-connected expat community that can advise you on common questions and help you assimilate smoothly into the local culture.
For more information about living in Panama, be sure to check out our other posts and feel free to ask questions–that’s what we’re here for! We love living in the Latin tropics, and we want you to also!
Map of Panama
Panama Fast Facts
- Population: 3.8 million
- Typical temperature: Temperature typically varies from 72°F to 91°F
- Nearest airport with U.S. flights: U.S. bound flights leave daily from Tocumen International Airport
- Nearest U.S. consulate: Panama City
“I’m moving abroad and becoming an expat!” Those seven words can have a profound impact on more than just you. For family and friends, the announcement that you are stepping away from the “normal” life can be both confounding and upsetting.
Dealing with the family-friends conundrum may not have been something you anticipated when you made the choice to move to the tropics, but it is something that has to be resolved. Identifying the reasons that those closest to you might object or not understand your choice can also help you to work together so that paradise doesn’t become an emotional purgatory. This is an important part of preparing for your new life in paradise.
Luke Addison
Why Family and Friends May Object to Your Decision
There are a number of factors that could cause surprise and negative reactions to your announcement. Depending on your relationship, these responses can range from surprise, to disapproval and, in some cases support. Below are some of the root causes that may be impacting those closest to you.
They Didn’t See That One Coming
Perhaps the major reason for those closest to you reacting with disbelief to your announcement is the simple fact that they weren’t expecting it. For many people, living in a foreign country is an almost inconceivable concept; to discover that a relative or close friend has decided to do exactly that can be incomprehensible.
Although you may have discussed becoming an expat in casual terms, many people chalk up such talk as wishful thinking. Even if you’ve shared some of your planning with them, friends, co-workers, and family may still have not taken you seriously. Only when the actual steps to moving are underway, does it seem real.
Separation Anxiety
For many family members, particularly older relatives, the thought that you are no longer just a short distance away can be both frightening and frustrating. The immediate reaction is often one of anger and accusation: Why are you leaving us? What’s wrong with you? Don’t you know how dangerous it is? Etc.
Keep in mind that the expat choice is a relatively new phenomenon. Retirees in previous years rarely, if at all, considered moving out of the country; in point of fact, it’s only been in the last twenty or so years that expats have discovered the potential that Latin American countries offer in terms of investment and lifestyle.
Being out of touch, or missing out on family events (birthdays, holidays, etc) is also a fear that many relatives have concerning your decision to become an expat. This is as much a matter of perception as anything else; constant improvements in internet, cable and cellular services certainly make it easy to keep in touch although the idea of relying on these technologies can be a whole other issue in and of itself.
That Green-Eyed Monster
Another reason, although one that family/friends may not even be consciously aware of, is envy. The fact that you have a dream that you have decided to turn into a reality can make even those closest to you jealous that you are doing something that, perhaps, they have only dreamed of.
This is easy to recognize by the constant pointing out of all the potential problems that an expat might encounter. These can range from: a foreign language, not enough money to live on, strange food, no modern conveniences, etc. Those who do recognize that they might harbor some jealousy may temper their “doomsaying” by acknowledging that they wish they could do the same thing.
Alec Couros
How to Make It Right with Friends and Family
Once the initial shock has passed, you will have a number of opportunities to help your loved ones accept and, hopefully, embrace your choice to be an expat. What follows are some suggestions to help calm the emotional waters
Be Prepared and Share Your Preparations
Fear of the unknown can drive the most visceral of emotional responses. By sharing with those close to you, your preparations, showing that you are taking steps to protect yourself and your family financially, and seeking feedback, you can defuse a lot of the anxiety friends and relatives may harbor about your well-being once you move.
Show Them That Paradise Isn’t So Far Away
With constant improvements in infrastructure and transportation in many Latin American countries, having your family and friends visit you in your new home is easier than ever. When they see that you aren’t lost in the middle of a tropical rainforest with no way to fly back to the States, the fear that you are no longer “connected” will greatly reduce.
Similarly, by having them share your expat lifestyle, if only for a short time, you are removing the “unknown” from the equation and, as such, reducing their anxiety. Of course, you may discover that they enjoy the tropical world you have found so much that they may not be eager to leave.
Don’t Be a Stranger
With all of the communications options available (social media, email, cellular systems, even computer based phone lines with local U.S. numbers), keeping in touch with everyone back in the States is a convenient way of ensuring that you are still a part of their world and, in turn, that they are a part of yours. Silence is one of the greatest causes of worry by those whose family or friends have moved overseas; by staying connected, that cause for concern is greatly reduced.
Anna Magal
Show Some Tough Love
Ultimately, the decision to become an expat was one that you made for a number of personal reasons. You may have to remind those nearest and dearest to you that this was your choice and that you hope that they can love and support your move to paradise.
For those moving outside the U.S. because they have retired, remember “this is not your father’s retirement.” Retiring today means something totally different than it meant in the mid-to-late 20th century. Understanding this difference can also help you explain to older family members that this is not an ending but, in fact, a new beginning.
Expat living is a life-changing event. Sharing it with family and friends and embracing them as part of this new adventure can enrich these moments for all involved. Start your dream today.