Panama, The World's Top Retirement Haven

Panama

The Wor= ld's Top Retirement Haven

For one reason or another 40% of all Americans, Englanders and Canadians reach retirement age without anything more than Government SSI retirement to live= on. Many of these people are forced to= live with their children or in trailer parks and sacrifice things like food and health care just to survive.

Consider even a fairly well-to-do family in America<= /st1:country-region>, Canada, England, F= rance or Germany who reaches retirement age. T= hey may have made good money all their lives and put their children through col= lege and maybe even helped them with their own homes. They may have reached the point wh= ere they own outright their own home, let us say worth $800,000.00.

Now they retire and get SSI from the government of from $1,300.00 to $2,000.00 a month or $15,600.00 to $24,000.00 per year. The first thing they face is prope= rty tax which will average $8,000.00 a year if they are lucky. Then they face from a minimum of $= 800.00 to $2,400.00 a year in utilities.

Now before food, medical expenses, car or insurance, they have from $8,800.00 to $26,400.00 expenses per year. That leaves them from $566 to $1,133 a month to live on. This cannot be done in = the major industrial countries so they are forced to sell their homes and move = into low class, low rent areas just to survive.

I have spent the last 7 years trying to find a solution for these people, so = they can remain independent, proud, useful and keep their dignity. I was prompted to do this because I spent 10 years taking care of my own mother, who could not have made it wit= hout my help. This was the right a= nd moral thing for me to do, but it also destroyed all the plans I had for my life. I know that most older = people do not want to do that to their children.&= nbsp; For this reason I have sought a solution to this problem.=

While in Portugal I was hopi= ng to find a solution to this problem and in the beginning it was very inexpensiv= e to live in Portugal but t= hat was before the Euro and the laws imposed upon Portugal by the new European = Union.

I have been in 32 countries, always with these older people in mind. I have found countries where costs= were very low but crime and unstable governments made them a poor chose for elde= rly people to live in.

Last year I went to Brazi= l because of its low costs, wonderful people, great beaches and climate. But Brazil makes it so hard to get banking, residency and money exchange that I wrote it off as a good place to live unless you were born there.

Little by little I have written off every country in the world, because of residen= cy laws, unstable governments, crime, corrupt police, extreme poverty, poor infrastructure or even the friendliness of the people.

Finally I have found one place that not only can I recommend to retired people but I will help them retire there because I am going to be there to show them the ropes and show them how easy it is to live the last years of their life with dignity and comfort. That pla= ce is Panama.

Panama, Best Retirement Place in the World

For the fifth year running, Panama has taken top honors in The Annual Global Retirement Index. Panama competed against all the nations of the world and was again declared champion. When it comes to retirement opportunities, Panama is unbeatable.

Panama offers stable laws, a constitutional democracy, a free-market environment, = the second-largest free trade zone in the world after Hong Kong), vibrant culture, great weather, friendly people… and some of the most beautiful young la= dies in the world!

Affordable First World Health Care

Panama's healthcare facilities are the best in Central Americ= a. And they should be, they were built to U.S. standards while the U.S. was running the Panama Canal. You'll find nearly any health care services that you co= uld ever want, but at a fraction of the prices and with a level of personal service-like house calls-that you c= an no longer find at home. You can drink the water. Eat a salad without worrie= s. Health care is first rate. Doctors even make house calls.

Modern Infrastructure

Panama= has great roads, high-speed Internet access, ca= ble TV, electricity that works 24/7 just like back home, first-rate health care, drinkable water, edible fruits and vegetables…and much more. Once aga= in, because much of the infrastructure was built for the benefit of U.S. troops and canal personnel stationed = in Panama, you'll find things work much like they do at home.

Panama’s Program for Foreign Residents and Retirees

Panama has the most appealing program of special benefits for foreign residents and retirees you'll find anywhere in the world today. Anyone over the age of 18 may apply and= can qualify as a pensionado in Panama. All you need is a guaranteed pension income of only $500 per month ($600 per month for a coup= le). It must be a pension from a government agency (e.g., social security, disab= ility, armed forces, etc.) or from a company.&nbs= p; You can actually live on $500 per month even if you do not buy a home there.

As a qualified pensionado/retiree, you are entitled to significant discounts off the already mercifully low costs of living in Panama, including:

50% off entertainment anywhere in the country;

30% off bus, boat, and train fares;

25% off airline tickets; 50% off hotel stays (Monday through Thursday);

25% off restaurants;

10% off prescription medicines;

20% off doctor's consultations;

15% off dental and eye exams;

20% off professional and technical services;

50% off closing costs for home loans and more...<= /b>

In addition, you are entitled to a one-time exemption from duties on the importation of household goods (up to $10,000) and an exemption every two years from duties for the importation or local purchase of a car.

Moreover, Panama'= s pensionado law stipulates that anyone entering the co= untry as a qualified pensioner today is guaranteed the status so long as he choos= es to stay in the country.

This is an important point. The law states that, should the requirements for this visa change at= a later date, the changes will not affect anyone who has already acquired pensionado status (as long as the pensioner maintains= the required minimum level of income).

Heat and Humidity

If you have ever gone to New Orle= ans in the heat of summer, you will note that you will be sopping wet in less t= han a minute but the people around you are dry. This is because you body takes abo= ut two days to rid itself of water in the skin and that is actually good for you, = but very embarrassing considering that you are the only one sweating. This is true of Panama = also if you are not close to the Ocean. If, however, you live by the Ocean you will never feel the heat and humidity.

The good outweighs the bad though, because you can walk around at night with sh= orts and a tee shirt and never need a coat.&nbs= p; Without a fan or an open window to the beach breeze sleeping at night can be hard without air-conditioning. But when you step into the ocean and note that the water is just as = warm as the air, you will fall in love with the climate. No one has suits, not even bankers= . Even when you are no longer sweati= ng you will consume a lot of water and that is good for you because it is cleaning= out the toxins from the body.

Panama Money and Money Markets

<= /span>

Panama uses the USA Dollar. = The average daily turnover in the FX markets is US $1.9 trillion. *Between 95% and 98% of all transa= ctions are speculation and not for commercial purposes. U.S. Dollars are involved in 89% o= f all transactions.

Corporate foreign-exchange trading generates a large share of Panama bank’s profits, although trading charges are rarely documented in bank statements.= London remains the largest trading center in the world, where more foreign exchange flows than New York and Tokyo combined.

Political Risk Services named Panama one of the top three countries in the hemisphere for best-risk investments. According to The Fraser Ins= titute in Canada, Panama is at the top of the list of the wo= rld's freest economies, ranked eighth with Austra= lia, Ireland, the Netherlands, and Luxembourg.=

Plus, Panama may move up several places in the Quality of Life Index 2006.

Shopping for real e= state here is easier than in other countries in the area. The construction is don= e to American standards.

Panama has the most stable economy is Central America-over the past 40 years, the country's inflation rate has averaged less than 2% per year…that's simply unhea= rd of south of the United States!

And when it comes to value retirement properties…attractive investment opportunities ̷= 0; powerful tax incentives … offshore banking possibilities … libe= ral government incentive programs … and tax-free business opportunities, there's just no other country in the world that offers a better deal than Panama does at this moment.

Because of Panama's history, strategic location, cult= ure, commerce, and the century of U.S. influence-not to mention the world-famous canal-Panama consistently surpass= es expectations.

Panama= offers state-of-the-art benefits usually availa= ble only in industrialized countries. But at a fraction of the cost!=

Offshore Banking

=

Panamanian law guar= antees corporate privacy and banking privacy.

To encourage foreign investment in the country, Panama's government has adopted more than 40 laws protecting the financial and investment rights of foreigners, including the Investments Stability Law (L= aw 54), which guarantees foreign and local investors equal rights.<= /span>

Panama= is emerging as the world's number one alternati= ve for the offshore investor who wants to enjoy the increasingly rare privilege of strong, legally guaranteed financial privacy…and no in-country corpor= ate or personal taxes.

Panama is the most developed-and safest-country in Cen= tral and South America. Violent crime is almost u= nheard of.

Free Trade Zones=

Colon Free Zone was created at the Atlantic entrance to the canal in the city of = Colon. Over the ye= ars, fortunes have been made--largely by immigrants--capitalizing on the strateg= ic position of the Colon Free Zone. Newer zones, such as the Panama-Pacific Special Economic Area at Howard Air Force Base, at the Pacific entrance to the cana= l, open more opportunities to investors with good ideas. The infrastructure le= ft behind by the U.S. military offers a great foundation for commerce and development.'

Panama has recently inked free-trade agreements with Taiwan, El Salvador, and Singapore<= /st1:place>. That bodes well for the current talks with the U.S. This development is impo= rtant for Panama, with a population of only 3 million people.

Negatives<= /span>

Pickpockets in busy thoroughfares, on buses, and= at bus stations. Muggers, particularly in the main shopping areas, as well as in the old town (Casco Viejo) in Panama City and in the old Panama ruins (Panama V= iejo), the Madden Dam area (off the main Panama to Colon road), and the city of Co= lon, where unemployment, street crime, and drug usage are high.

Considerations

Cost of living, Health care, Infrastructure, Safety and stability, Taxes, Langua= ge, Cultural and recreational distractions, Accessibility to North America, Climate, Special benefits for retirees

Not to mention, year round spring like temperatures, exemptions from import dut= ies, lowest overall effective rate of tax, Lowest full-time, live-in maid, free e-mail account, worldwide phone and fax numbers, Permanent postal address, = on-line banking capabilities, on-line brokerage account, international health insurance, HTH Worldwide.<= /o:p>

Great Shopping--You can find nearly anything that you want. Panama = has numerous modern shopping centers. Plus many of the stores that you love to = shop at back home. Panama boasts American-quality goods and services… pret= ty much all of the modern conveniences you're used to…only, in Panama, y= ou won't be paying anywhere near U.S. prices for them.

Panam= a City <= /o:p>

If you're looking f= or inexpensive cosmopolitan living-but with the conveniences you'd expect in <= st1:State w:st=3D"on">New York, Chicago,= Miami, or any other major First-World city-you need = to take a serious look at Panama = City.

Panama City is a skyline of skyscrapers…modern office buildings and hotels, all glass and steel, facing out over the Gulf of Panama. The = city is a major international commerce and banking hub, home to more than 80 of the world's largest banks a= nd other giant multi-national corporations such as Federal Express, DHL, and Price Costco.

You can dine in 5-s= tar restaurants. Attend plays, symphonies, and the ballet. = Shop at boutiques.

Your international phone calls go through the first time, every time= . High-speed Internet is the norm, = rather than the exception. Panama City's internat= ional airport is modern, and offers daily flights to the U.S., E= urope and the rest of the = Americas.

And in Panama City you can enjoy these First-World luxuries at about half the price you'd pay in any U.S. city.

Panama City is as modern as New York City or San Francisco--only with a tropical climate and 12 hou= rs of sunshine every day. Each day the sun rises and sets at the same time. You can set your body clock by the sun!

Cost of Living in Panama<= o:p>

Because Panama offers so many options when it come= s to lifestyle choices… and because its cost of living is the most afforda= ble in Central America…you don't have = to be super-rich to retire to this paradise. In fact, with even a modest retireme= nt nest egg you can enjoy a luxurious lifestyle.

For example, right = now you can…

Rent a house in the= hills for just $500 a month… or a riverside townhouse with gardens for $1,0= 00.

Pick up a four-bedr= oom home in one of the most beautiful neighborhoods in <= st1:City w:st=3D"on">Panama City for $200,000. It's adjacent= to the rainforest…and only minutes away from the downtown of this modern commercial and banking h= ub.

Discover Panama's secret Shangri-La, a hidden valley in an area Modern Maturity Magazine named the "number one retirement destination in the western hemisphere". Property is still incredibly cheap here…but prices are rising rapidly= now that the secret's out.

Indulge your sense = of adventure with a trek through uncharted jungles and steamy rainforests̷= 0;canoe into rural villages…go on white water rafting expeditions…hike through lush green valleys…horseback ride along deserted palm-lined beaches…dive in spectacular Caribbean waters…all this, and more= , in one of the world's most overlooked adventure travel destinations.

There are lifestyle choices in Panama for anyone and everyone-from Dot.com millionaires looking for entrepreneuri= al opportunities…to retirees looking for a piece of paradise at an affordable price…to young singles looking for a new life. But wait…there's more!

Property

=

Undeveloped properties along Pan= ama's spectacular Pacific coast with long stretches of white-sand beaches, tranqu= il, tropical and unspoiled nature and some of the best scuba diving around. The price you'll pay for these today is a steal= -and you can sit back and watch your property appreciate for many years to come…

A gated, country club community set on 180 wooded acres…where you can play 18 holes of golf on a world-class course in = the morning…enjoy a leisurely lunch with a view of the Panama Canal from = your balcony…and afterwards make the short drive into modern Panama City f= or shopping and dinner…

A retirement fantas= yland nearly hidden amongst swooping forests in a valley in Panama's picturesq= ue highland region…where the temperatures are spring-like all year round…waterfalls cascade down mountainsides of lush foliage…and= the property prices-for now, at least-are still amazingly inexpensive…

Spanish and French Colonial mansions in charm= ing and historic Casco Viejo…a forgotten treasure of a neighborhood t= hat was once the cultural and political center of Panama City…and is now an urban

Renovate your 19th-century French or Spanish influenced colonial home in the heart of = Panama City's most historic and charming neighborhood--where each quiet, narrow cobblestone street leads to the sea-and you won't have to pay duties on any materials you import to complete the renovation…and you won't pay any property tax for 30 years…plus when you sell you pay no capital gains tax.

Build your retireme= nt dream home in a tranquil mountain paradise nearly hidden by sweeping forests…where you can still find ancient petrogl= yphs carved into the rocks…without giving up modern-day conveniences like Satellite TV and toll-free dial-up Internet.

Start a charter-dive operation on Bocas Del Toro…build a guest= house in the hills of Boquete…trek tour groups through Panama's unspoiled jungles…even open your own hotel or restau= rant along the beaches of the Pacific coast…and reap enormous tax benef= its from your tourism-related business.

Some Ideas of Costs

Own a brand new beachfront condo for $75,000, or a l= uxury apartment for $28,000. Employ full-time household help to cook and clean for $30 a week. Enjoy a gourmet meal for two, with wine and dessert, for $25.

A high-ri= se condo in Panama City is $55,000 to $90,= 000 and enjoy the nightlife of New York City – but steps away from the beach, c= lose to the airport. (This is the price range for Panama City condos on numerous websites= .)

<= span style=3D'font-size:14.0pt;mso-bidi-font-size:12.0pt'>Grandbay Tower - Located right on Balboa Avenue, which runs along the Bay<= /st1:PlaceType> of Panama, it sits = just across the street from the water. It’s walking distance from the recreational center and banking district of the capital. The modern 40-story glass tower features every modern convenience. Kathia<= /span> Cantón and Arleth Escarriola, who work in sales and promotion for Bern said, 'Grandbay Tower is chic, trendy, and modern. The location and design make this one of the m= ost desirable addresses in Panama.' (For more, e-mail: panama@empres= asbern.com.)

Vista Mar, the ever-expanding mega-beach resort and J. Michael Poellot-designed championship golf community. Two 14-story towers that will have two-, three= -, as well as four-bedroom penthouse apartments. Right on the ocean with access to the golf course and awesome views, the two-bedroom, 1,700-square-= foot apartments start at $247,000, the three-bedroom, 2,575-square-foot units at $384,000. (e-mail: living@vistamarresort.com.)

There are good apartments in = Panama City for $= 150,000

For golfers

Vista Mar
http:= //www.internationalliving.com/panama/free/12-03-05.html

A new golf develop= ment on the Pacific Coast of Panama, this par-72 championship golf course is und= er construction and scheduled for play for spring 2006. Villas start at $19= 5,000; condo packages (including a two-bedroom unit with air conditioning, appliances, and membership of the golf club) start at $247,000. Plus, t= he first 50 buyers get a free golf cart.

Tucán<= strong> Country C= lub and Resort
http:= //www.internationalliving.com/panama/free/12-13-05.html

This is Panama City's only golf development, and every property for sale here has a golf course v= iew. Condos start at $198,000 (including a lifetime family golf membership).<= o:p>

The Tucán Country Club and Resort - every pr= operty for sale here has a golf course view. The site was designed around the exis= ting trees, to preserve the tropical ambiance. Awesome views of the Panama City skyline, minutes from town, and less than an hour from Panama's best beaches.

This is Panama City's only golf development, private (there are two other golf courses in the city--one private and one semi-private).

Tucán - The condos begin at 1,340 square feet, from $198,000 (including a lifetime family golf membership), Mediterranean-style villa of more than 5,000 square feet with a two-car gar= age for more than $500,000.

Contact Dinesh Vaswani dire= ctly at: inquiries@tucancountryclu= b.com.

For Beach Lovers

Playa Blanca
http:= //www.internationalliving.com/panama/free/11-23-05.html

With an incredible mile-long stretch of fine, white-sand beach, this fashionable beachfront re= sort is on an area along Panama’s Pacific <= st1:PlaceType w:st=3D"on">Coast where it rains significantly= less than it does in the rest of the country. The average price of an apartme= nt is $99,800, and includes your appliances.

Playa Serena Beachfront Apartments
http:= //www.internationalliving.com/panama/free/12-22-05.html

Just 50 minutes from Panama City, this is a peaceful, green property with large trees and a tranquil stretch = of tree-lined, white-sand beach. Ocean view apartments start at $132,000.

<= /span>

Istanam<= /span> financing…with as little = as 10% down. Oceanfront prices are 5= 0% less than oceanfront prices closer to Panama City, and on a par with land 50 miles from the ocean.<= /p>

Istana has its own native mangrove forest, African mahogany groves, and giant trees growing right up to the beach…all of which are being preserved.

Beachfront lots start at $45 per square meter; a 3/4-acre lot for $139,900. Villa lots (not on the beach) start at $49,900, and custom home lots (across the street from the beach lots) start at $79,900. Turnkey houses are also available.

Istana is more than 11 miles down an unpaved road after you've flown to the city of David. Although David has shopping, car dealers, a mall, and first-rate medical= care, it's definitely not Panama Cit= y.

.Apartments in Villa Azul (the newest phase at Playa Blanca= ) with two bedrooms and 1,160 square feet of living space, at $99,800, and includes your appliances. Playa Blanca ("White Beach") has a = mile-long stretch of fine, white-sand beach on Arco Seco.= Playa Blanca comes with all the trappings of a thriving, high-occupancy resort--sparkling swimming pools, f= our restaurants, several bars, a night club, boutiques, and nightly shows. Plus, a nine-hole putting course, beach volleyball, and tennis…and of course, the beach. A three-bedroom, 2,500-square-foot= , Mediterranean-style villa costs $180,000; condos start= at less than $100,000. For more information on Playa Blanca, contact the developer, Ar= ie Schwartz at: living@playabl= ancaresort.com.

P.S. Although no indication of what will happen in the future, since 2002 the properties here have appreciated annually (based on re= sales) between 15% and 26%, depending on the property type.

Playa Serena, new Playa Serena beachfront apartments. Close to the town of Coronado<= /st1:place>. Each has an ocean view, Also, the spacious 1 1/4-acre park area between the condos and the beach will be pleasantly laid out with its two pools, gazebo= s, tennis courts, and café tables. The apartments have two large glass walls to take full advantage of the ocean view, and range in size from just under 1,200 square feet to around 1,350 square feet. Prices start at $132,0= 00 and go up $1,000 per floor. 5= 0 minutes from Panama City.

Sales Manager Albalyra de Sáez at info2@playaserenaresort.com.

<= /span>

For sailors=

Istana Plantatio= ns
http:= //www.internationalliving.com/panama/free/11-17-05.html

This property is huge--more than 1,500 acres. The heliport is under construction, and a dry = dock is available. From the boat ramp you can launch a craft of up to 30 feet. <= st1:place w:st=3D"on">Coiba Island and Hannibal= Bank are nearby, and claim to have the Pacific's best sport fishing. Lots start at $49,900; beachfront starts at $45 per square meter.

<= /span>

For non-beachgoers=

Hacienda Los Molinos=
http:= //www.internationalliving.com/panama/free/12-29-05.html

This development i= s in Boquete, a lush, green valley that’s situ= ated at an altitude of around 3,200 feet. The area is noted for its drama= tic hills, rushing mountain streams, lush green forests, and cooler weather. The houses here attracted me as much as the environment, and there are several models to choose from in contemporary, tasteful designs. Lots start at $43,000; condos start at $122,000.

Sp= ecial Locations

Playa Blanca, the all-inclusive beach resort and housing development located in= the area of Panama known as Arco Seco, or the Dry Arch, whe= re a boom is emerging. Of the 16 homes built just minutes walking distance fr= om the beach, only three remain. At 2,420 square feet and set on 6,500 to 7,000 square feet of land, they’re priced at just $180,000<= /u>. (For more, e-mail: living@p= layablancaresort.com.)

Tucán Golf Resort only 15 minutes outsi= de Panama City. The <= span class=3DSpellE>Tucan crowd hopes to be ready to play golf by March. = Fore! (For more, e-mail: inquir= ies@tucancountryclub.com.)

Playa Serena, only 50 minutes away and the closest beachfront development to Panama City, is mo= ving right along, as well. Presented by Nelson Ferrer of the Ingenieria Lambda, the project was explaine= d and dissected in detail for attendees. Every time I see this presentation, I wo= nder why I’m not participating myself. Even commuting to Panama City each day isn’t that b= ig of a deal. It’d be only a 50-minute drive to work, and you’d have = the Pacific Ocean as your front yard. Plus, our own att= orney in Panama, Rainelda Mata-Kelly, is a principle in the development. She told me that they just received the preliminary approval f= or the project, and construction should begin around September 2007. (For more, e-mail: info2@playaserenares= ort.com.)

When it comes to location in Panama City, Empresas Bern’s Grandbay= Tower is hard to beat. Located= right on Balboa Avenue, which runs along the Bay<= /st1:PlaceType> of Panama, it sits = just across the street from the water. It’s walking distance from the recreational center and banking district of the capital. The modern 40-story glass tower features every modern convenience. Kathia<= /span> Cantón and Arleth Escarriola, who work in sales and promotion for Bern said, 'Grandbay Tower is chic, trendy, and modern. The location and design make this one of the m= ost desirable addresses in Panama.' (For more, e-mail: panama@empres= asbern.com.)

Vista Mar, the ever-expanding mega-beach resort and J. Michael Poellot-designed championship golf community, just keeps growing. Jim Hawley, one-half of the North American husband-and-wife marketing team behind Vista Mar, brought me up to date on the project. Ground has been broken on the two 14-story towers that will have two-, three-, as well as four-bedroom pentho= use apartments. Right on the ocean with access to the golf course and awesome views, the two-bedroom, 1,700-square-foot apartments start at $247,000, the three-bedroom, 2,575-square-foot units at $384,000. Maybe a bit pricey, but= for the location and included amenities, it could be a retiree’s dream. (= For more, e-mail: living@vistamarr= esort.com.)

Prices at Los Molinos start at $43,000 for lots and $1= 22,000 for a two-bedroom, 1-800-square-foot home. Condos start at $132,000.

Jorge Conte at: canyon@losmolinos.com= .pa.

Raw land, just down the road from Los Molinos--18 miles from the village of Boquete -- $220,000 for= 67 acres.

Harry Hunt http://www.ownboquete.com/.

Se= arching Off the Developer Beat

The small mountain town of Volcán, at 1,500 mete= rs elevation, it offers a cool climate and great ou= tdoor activities. It has a comfortable and refreshing small-town feel. An old, rustic blue house on a 2,000-square-meter lot just ou= tside town--on the market for only $10,000. It’s in ne= ed of repairs and restoration, but it’s just off the main road and a two-minute drive to town.

A one-hectare (2.5-acre) lot along the roadside a bit closer to town, $120,000), the perfect site for a restaurant or small cantina.

Just outside town in an area called Paso Ancho, with= a view of Volcán Bar&= uacute;, 6 hectares for sale for only $200,000. That’s roughly $3.35 per square meter.

Cerro Punta, a 12-hectare property just around the corner from an area called Nueva Suiza, or New Switz= erland, named for the Swiss farming colony founded in the area decades ago. Has = fertile black volcanic soil. There’s a working farm on the property, 12 hectares of land for $16 per square meter.

Right in the town of Volcán, 5,000 square meters of land, on which is sitting an old, bright green, three-bedroom, two-bathroom house in desperate need of a paint job at on= ly $50,000.

Own and Live on a Boat in Panama<= o:p>

I have collected over 70 boat prices and pictures in Panama for people who may wan= t to own them or oven live on them. But this would take another Newsletter.=

I Am Going To Help You<= /span>

In future emails I am going to show how you can come and see Panama,= without any worry. Someone will show = you where to stay, how to get from one place to another, who are the best Realt= ors, Lawyers, guides, etc. We will= show you: how to get residency, how to buy property, how to get the benefits, wh= ere to buy or rent.

Everything you need to know without having to find out for yourself. We even hope to have retirement to= ur groups and we are now talking with Catholic tour groups to set this up. Keep in touch.
Ri= chard Salbato