Atricle Dump - Real Estate

Affiliate Marketing Mistake 3 - Build It And They Will Come
There are a lot of mistakes that people will make when they are doing their affiliate marketing business. One of the ways that you can be able succeeded faster is to learn from other people’s mistake and make sure that you will not commit the same mistake. One of the mistakes that you will want to avoid making is the build it and they will come mistake.What do you mean by the mistake of build it and they will come? It means the mistake of listing all the affiliate links into the websites that they are creating. They think that once they have this kind of sites being uploaded already, the traffic will comes. This is a mistake that you must definitely avoid.The best solution for this problem is to have one domain for every one affiliate products that you will be promoting. When you do that, you will be able to focus on just promoting that affiliate products. The fact is that you will have to market your website before the traffic will come.When you market your website, you definitely do not want to list all the affiliate links on that website. The people that go to your website will feel confused and frustrated too as they might feel that they are being tricked into clicking your link and they do not get the information that they expected to get from your website.If you are thinking of putting all the affiliate links in one website and hoping that people will click one of the links and buy the product, I will have to tell you that this method will work very terribly. It is a complete waste of your time and effort so do make sure that you do not make this mistake.

Pinkerton Intelligence Agency, is a warm, economic, comfortable and adventurous place to retire, invest and live how you have always dream of.

CLIMATE IN THE REPUBLIC OF PANAMA

The Republic of Panama counts with the ideal geographical position and atmospheric conditions. Here in Panama, you can find the perfect climate for al tastes, sunny, tropical, warm exotic beaches and over 1,200 islands that surround us. At the same time you can enjoy a fresh climate at the high lands of Chiriqu?, El Valle, Boquete or Cerro Azul among the most popular spots at a few hours from Panama City.

It is very important to mention that in the Republic of Panama there are no hurricanes, active volcanoes or earthquakes because of its privileged geographical position.

The Republic of Panama counts with to climatic stages “Dry” (December-April) and “Green” (April-December) seasons. The Green season its know for the drastic changes of sun light and tropical rain that makes the country “Green”.

The temperature in the Republic of Panama during the year is 27° C y 16°C-25°C in the valleys and mountains. The north winds refresh us during “dry” season. The tropical rains are usually in between 5 to 45 minutes while the sky partially opens and lets the sun rays penetrate or country.

GENERAL INFORMATION OF THE REPUBLIC OF PANAMA

“Panama seems to be apart from Central America sustained by its canal, banks and a free trade zone” The Economist.

GEOGRAPHY IN THE REPUBLIC OF PANAMA

The republic of Panama occupies 75,990 km2 with 9 provinces: Bocas del Toro, Chiriqui, Colce, Veraguas, Darien, Colon, Los Santos, San Blas a

State Student Loan Consolidation: Relax Your Life
As many loaning institutions around the US, some states offer student loan consolidation. These states propose you to consolidate your loans with them for many benefits. Included in them can be an interest rate reduction from your student loans by .25% if you choose to pay up directly. Payers that cancel debts on time are also rewarded by lowering their interest rate up to 2 or 3.5%.Other BenefitsHere is a list of the many benefits a state may offer you to consolidate your student loans:• Interest reduction on your loans• Only one bill for your Federal Strafford Loans and State Loans• Lowest cost for student loans for residents of the state• No fee state loans• Outreach programs to help state residents achieve higher educationAll of those advantages are subject to change by different states and some states offer even more than those listed above.Types of Student Loans to ConsolidateStates will consider many types of student loans to consolidate depending on your location. Among the most popular loans they accept are: Federal Strafford Loans, PLUS Loans, Federal Perkins Loans. Consolidating your loans will not only lower your interest rate, but will also extend them up to 10 or 20 years.So now you can relax and worry about other important things in your life rather than your student loans. It was thanks to them that you could or can complete your higher education, don't let them destroy you later on.Other Consolidation ProgramsThere exist other student loans consolidation programs you can apply for if you're not interested in a state consolidation. You can search for Federal Direct Consolidation Loans or Private Student Consolidation Loans. You can apply online for all three of them so go on and check them out!

WHY PANAMA?

Panama is more than just a Canal…it is definitely way much more! The Republic of Panama is a cosmopolitan metropolis with a great biodiversity of nature where you can find a mix between tranquility and a well developed city.

In fact, Panama is a paradise to invest, to enjoy, to shop, a paradise of service, of friendly people, with seven ethnic Indian groups that still conserve their millenary traditions, with a Canal serving the world in between two oceans, a Canal considered to be the eight wonder of the world, with a variety of the most famous international chains of hotels, convention centers and a sustainable ecology in development, Panama is this and way much more!

Panama is considered to be in the 3rd position for “best place to retire in the world”; The Republic of Panama is also considered to be the best place to live outside the United Estates. This is according to the renowned “International Living” magazine and experts that promote the life style of US citizens retired in foreign countries. The “American Association of Retired Persons” a magazine for retired people, has also considered Boquete and Chiriqu? in the Republic of Panama to be one of the four best places to have a home outside home. This rating was given after ten key indicators that included security, beauty, costs, climate, political stability and others.

Everything is relatively close and accessible in the Republic of Panama “Center of the World and heart of the Universe” counting with direct flights from the United Estates, Europe, Asia and Latin-American, with more than 150 private banks, business centers where you can buy or sell any type of product at the best international prices. Panama is a commercial empire!

The Free Trade Zone (Colon City) in the Republic of Panama is the second most important trade center of the World after Hong Kong. This position is given since Panama has the best route or shortest from the Pacific to the Atlantic Ocean to move global trade. For these reasons, the Republic of Panama offers a great variety of Malls (Multiplaza, Multicentro, Los Pueblos and others) and duty free shopping centers with an excellent relation between quality and price where you will be able to experience the best shopping of your life!

INVESTING IN THE REPUBLIC OF PANAMA:

When you buy in the Republic of Panama, you will find more amenities than in other retiring heavens such as Costa Rica, the costs are simply lower as well as crime rates. In the Republic of Panama you will find less bureaucracy and less interference with the local authorities when is about investing.

The Republic of Panama is one of the most globalize countries in Latin America. Panama is also a member of the (OMC) which stands for “Organizaci?n Mundial de Comercio” or “World’s Commerce Organization”, it is also part of the (ALCA) “Area de Libre Comercio de Las Americas” or “Free Trade Sector of the Americas” in which the Republic had the privilege to be the convention center for 2 years in a row (2001 & 2003) and has already started negotiations to be part of the (MERCOSUR) and (APEC).

You would not require special permits or inscriptions previous to your investment in the Republic of Panama. The Law of Stability of Investment (1998) protects all foreign investors from any change on taxes, the 10 year labor laws and other costs after an investment has been registered.

The Republic of Panama has proportioned various ways to incentive foreign investors which include;

* A US dollar based economy.

* Low inflation rates without risk of currency changes

* Total absence of exchange controllers

* Same treatment to foreigners and locals

* One of the most flexible countries in the world

* No restriction to foreign owned corporations

* No restriction to fusions, acquisitions or corporations of shared risk

* An existing Free Trade Zone

* A large percentage of bilingual labor force

* The Republic of Panama is nominated #1 in the region for low cost of living and low
operational cost from the Tripartite Committee which consists of the Latin American and Caribbean Economic Commission (ECLAC), the American Estates Organization (OAS) and the Inter-American Development Bank (IDB).

The Republic of Panama is totally covered by the OPIC, MIGA, IDB and other multilateral entities.

The Politic Risk Service (PRS) named the Republic of Panama to be one of the three countries in the hemisphere with best qualifications for investment.

These are just some of the reasons why Panama is the best place for your businesses and investment.

COST OF LIVING IN PANAMA

The Republic of Panama has costs of a third world country in a first world country. Panama Real Estate cost can be 1/10 of values in the United States and the cost of living is about ? to all mayor cities in the US. Below is a quick list of mayor living cost as reference, in many cases retirees can Sell their present Living properties, buy one better in Panama for ? of the cost and live a better Life Style for many years with the ? of their sale, with change.

Estimated Monthly Fixed Costs in US dollars:

Electricity in Panama $80.00

Water in Panama (Very Safe to Drink-The Best in Latin America) $20.00

Phone Bills in Panama (Includes Monthly Fee and Estimated Usage) $50.00

Living Maid in Panama (If you can afford it its highly recommended) $150.00

Cell Phone cost in Panama $50.00

Condo Maintenance Fee in Panama $150.00

Internet Service in Panama (Residential) $20.00

Cable TV Service in Panama $50.00

Gasoline in Panama (2.35 per Gallon – Estimate) $50.00

Groceries in Panama (Monthly for Family of 4) $400.00

Fire Insurance in Panama (Building) $150.00

Health Insurance in Panama (Basic Coverage for Family of 4) $150.00

Car Insurance in Panama (Based on a $25,000 Auto) $35.00

Private School Fees in Panama (per kid) $130.00 -$500.00

Additional Expenses

Private School Tuition in Panama $300.00

General Medicine in Panama $35.00

Dentist in Panama consultancy $35.00

Gymnasium monthly fees in Panama $45.00

Dinner at a luxury restaurant in Panama (2 pax) $50.00-$80.00

Movie theater fees in Panama $3.50

Taxi fees in Panama $1.50

Tax (ITBM) in Panama 5%

SECURITY IN PANAMA

The Republic of Panama is the safest country in Central and South America. It counts the highest qualifications on security for tourists according to the Pinkerton Intelligence Agency, is a warm, economic, comfortable and adventurous place to retire, invest and live how you have always dream of.

CLIMATE IN THE REPUBLIC OF PANAMA

It is very important to mention that in the Republic of Panama there are no hurricanes, active volcanoes or earthquakes because of its privileged geographical position.

GENERAL INFORMATION OF THE REPUBLIC OF PANAMA

“Panama seems to be apart from Central America sustained by its canal, banks and a free trade zone” The Economist.

GEOGRAPHY IN THE REPUBLIC OF PANAMA

The republic of Panama occupies 75,990 km2 with 9 provinces: Bocas del Toro, Chiriqui, Colce, Veraguas, Darien, Colon, Los Santos, San Blas an

When It Comes to Price
It seems that every videographer grapples with the dilemma of how to price his or her services. Deciding the right price range will largely determine what kind of customers your business attracts and most importantly, how much cash flow your video services will produce. Starting a video production company is very costly and bad pricing can keep your business in the black if you don’t do it correctly.What criteria should you consider when choosing the price for your services?First, how much money do you need to make to at least break even with the expenses of your business? Don’t forget to consider taxes and any insurance you may be paying. On top of those costs you have energy and phone bills, marketing expenses, and payments on equipment maintenance and upgrades.Second, once you know how much you must make per month, I suggest you double it. That way you’ll be able to make your efforts worth your time and meet your expenses. Too many businesses are battling for the low “bargain-oriented” customers and undercut themselves on the cash flow level because they don’t value their own services.Third, how demanding is your market? If your local market can’t support the price you determined in step two, you need to find a way to market your services to high spenders or cut your expenses. I recommend the first option. Marketing your services to people or businesses who have money to spend will save you effort in trying to haggle with cheap customers who don’t value your services for what they are really worth.Fourth, make it easy for your customers to pay you. If your buyer relies on American Express and you only take Visa and Mastercard then you lose the sale. There are so many different payment options nowadays that there is no excuse for someone not to be able to pay nor for you not to have some method available that your customer can use. Consider online processors like Paypal, Stormpay, or Egold for example. Merchant fees for taking credit cards are so inexpensive that every business should be able to pay them, but no business can afford not to accept credit cards.If you have a customer who wants your service but insists that they don’t have any means of paying your price at the moment, provide financing. Create an account for them and simply divide the payments over the course of a few months. Have a very simple and clear written agreement that you can mail or fax so that the buyer knows e

sell any type of product at the best international prices. Panama is a commercial empire!

INVESTING IN THE REPUBLIC OF PANAMA:

The Republic of Panama has proportioned various ways to incentive foreign investors which include;

* A US dollar based economy.

* Low inflation rates without risk of currency changes

* Total absence of exchange controllers

* Same treatment to foreigners and locals

* One of the most flexible countries in the world

* No restriction to foreign owned corporations

* No restriction to fusions, acquisitions or corporations of shared risk

* An existing Free Trade Zone

* A large percentage of bilingual labor force

The Republic of Panama is totally covered by the OPIC, MIGA, IDB and other multilateral entities.

The Politic Risk Service (PRS) named the Republic of Panama to be one of the three countries in the hemisphere with best qualifications for investment.

These are just some of the reasons why Panama is the best place for your businesses and investment.

COST OF LIVING IN PANAMA

Estimated Monthly Fixed Costs in US dollars:

Electricity in Panama $80.00

Water in Panama (Very Safe to Drink-The Best in Latin America) $20.00

Phone Bills in Panama (Includes Monthly Fee and Estimated Usage) $50.00

Living Maid in Panama (If you can afford it its highly recommended) $150.00

Cell Phone cost in Panama $50.00

Condo Maintenance Fee in Panama $150.00

Internet Service in Panama (Residential) $20.00

Cable TV Service in Panama $50.00

Gasoline in Panama (2.35 per Gallon – Estimate) $50.00

Groceries in Panama (Monthly for Family of 4) $400.00

Fire Insurance in Panama (Building) $150.00

Health Insurance in Panama (Basic Coverage for Family of 4) $150.00

Car Insurance in Panama (Based on a $25,000 Auto) $35.00

Private School Fees in Panama (per kid) $130.00 -$500.00

Additional Expenses

Private School Tuition in Panama $300.00

General Medicine in Panama $35.00

Dentist in Panama consultancy $35.00

Gymnasium monthly fees in Panama $45.00

Dinner at a luxury restaurant in Panama (2 pax) $50.00-$80.00

Movie theater fees in Panama $3.50

Taxi fees in Panama $1.50

Tax (ITBM) in Panama 5%

SECURITY IN PANAMA

CLIMATE IN THE REPUBLIC OF PANAMA

It is very important to mention that in the Republic of Panama there are no hurricanes, active volcanoes or earthquakes because of its privileged geographical position.

GENERAL INFORMATION OF THE REPUBLIC OF PANAMA

“Panama seems to be apart from Central America sustained by its canal, banks and a free trade zone” The Economist.

GEOGRAPHY IN THE REPUBLIC OF PANAMA

The republic of Panama occupies 75,990 km2 with 9 provinces: Bocas del Toro, Chiriqui, Colce, Veraguas, Darien, Colon, Los Santos, San Blas a

Developing an Eye for Detail
I flew Business Class on one of the world’s largest airlines and found myself in a chair padded for pleasure.This up-to-date seating boasts an impressive list of features: reclining back with adjustable lumbar support, extended leg rest, electronic ‘rolling massage’, adjustable headrest with padded wings, two reading lights, a power point for laptop computers, a telephone, Internet connection, special built-in pouch for personal effects, large video screen with 14 movie selections, 19 audio channels, and noise-canceling headphones.I was so impressed, I decided to write some positive feedback for the airline on the spot. I asked the friendly cabin crew member for a ‘comment card’ and a pen.She handed me a pen from her pocket that read ‘Narita Tokyu Hotel’ and said she would look for a comment card, but wasn’t sure if there were any aboard.She returned a few moments later and handed me an airline writing kit with three postcards, two envelopes, and two sheets of airline stationery in an attractive blue folder. And she confirmed there were no comment cards aboard.I thought that was odd. Simple comment cards are cheap to print, easy to use, and fast to hand out and collect. The fancy writing kit costs the airline much more, yet it doesn’t help solicit customer feedback.Stranger still was the pen: ‘Narita Tokyu Hotel’?‘Don’t you have any airline pens?’ I asked.She blushed and replied ‘No. We used to carry them, but we don’t any more. But passengers still ask us for pens all the time, so we take extra ones from the hotels where we stay.’‘Really?!’ I laughed. ‘The airline installed these great new seats and hands out fancy writing kits, but doesn’t carry inexpensive plastic pens on board for passenger use?’She grinned sheepishly and brought me a sample of what the airline does provide for Business Class passengers who wish to write: a small golf pencil. About three inches long, these little blue pencils are sharp as a tack and emblazoned with the airline’s name and logo in white.I am sitting in a world-class airline seat. I can get a classy, expensive writing kit just by asking. But if I seek a ballpoint pen, the airline gives me a tiny pencil made for golf.A cost-savings effort was to blame. The cabin crew explained that too many passengers kept asking for the pens.How penny foolish! When a Business Class customer takes an airline pen home, that airline’s n

nvestors from any change on taxes, the 10 year labor laws and other costs after an investment has been registered.

The Republic of Panama has proportioned various ways to incentive foreign investors which include;

* A US dollar based economy.

* Low inflation rates without risk of currency changes

* Total absence of exchange controllers

* Same treatment to foreigners and locals

* One of the most flexible countries in the world

* No restriction to foreign owned corporations

* No restriction to fusions, acquisitions or corporations of shared risk

* An existing Free Trade Zone

* A large percentage of bilingual labor force

The Republic of Panama is totally covered by the OPIC, MIGA, IDB and other multilateral entities.

The Politic Risk Service (PRS) named the Republic of Panama to be one of the three countries in the hemisphere with best qualifications for investment.

These are just some of the reasons why Panama is the best place for your businesses and investment.

COST OF LIVING IN PANAMA

Estimated Monthly Fixed Costs in US dollars:

Electricity in Panama $80.00

Water in Panama (Very Safe to Drink-The Best in Latin America) $20.00

Phone Bills in Panama (Includes Monthly Fee and Estimated Usage) $50.00

Living Maid in Panama (If you can afford it its highly recommended) $150.00

Cell Phone cost in Panama $50.00

Condo Maintenance Fee in Panama $150.00

Internet Service in Panama (Residential) $20.00

Cable TV Service in Panama $50.00

Gasoline in Panama (2.35 per Gallon – Estimate) $50.00

Groceries in Panama (Monthly for Family of 4) $400.00

Fire Insurance in Panama (Building) $150.00

Health Insurance in Panama (Basic Coverage for Family of 4) $150.00

Car Insurance in Panama (Based on a $25,000 Auto) $35.00

Private School Fees in Panama (per kid) $130.00 -$500.00

Additional Expenses

Private School Tuition in Panama $300.00

General Medicine in Panama $35.00

Dentist in Panama consultancy $35.00

Gymnasium monthly fees in Panama $45.00

Dinner at a luxury restaurant in Panama (2 pax) $50.00-$80.00

Movie theater fees in Panama $3.50

Taxi fees in Panama $1.50

Tax (ITBM) in Panama 5%

SECURITY IN PANAMA

CLIMATE IN THE REPUBLIC OF PANAMA

It is very important to mention that in the Republic of Panama there are no hurricanes, active volcanoes or earthquakes because of its privileged geographical position.

GENERAL INFORMATION OF THE REPUBLIC OF PANAMA

“Panama seems to be apart from Central America sustained by its canal, banks and a free trade zone” The Economist.

GEOGRAPHY IN THE REPUBLIC OF PANAMA

The republic of Panama occupies 75,990 km2 with 9 provinces: Bocas del Toro, Chiriqui, Colce, Veraguas, Darien, Colon, Los Santos, San Blas a

Payroll Indiana, Unique Aspects of Indiana Payroll Law and Practice
Indiana payroll has some unique aspects and conditions. Some of the details and laws are set out in this article including information concerning: tax withholding and reporting; unemployment insurance taxes and reporting; wage and hour laws; and child support withholding.The Indiana State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is: Department of Revenue Compliance Division Indiana Govt. Center North Indianapolis, IN 46204-2253 (317) 233-4018 www.ai.org/dorIndiana requires that you use Indiana form "WH-4, Employee's Withholding Exemption and County Status Certificate" instead of a Federal W-4 Form for Indiana State Income Tax Withholding.Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In Indiana cafeteria plans are: not taxable for income tax calculation; not taxable for unemployment insurance purposes. 401(k) plan deferrals are: not taxable for income taxes; taxable for unemployment purposes.In Indiana supplemental wages are taxed at a 3.4% flat rate.You may file your Indiana State W-2s by magnetic media if you choose to.The Indiana State Unemployment Insurance Agency is:Department of Workforce Development Indiana Government Center S. 10 N. Senate Ave., Rm. 331 Indianapolis, IN 46204-2277 (317) 232-6702 http://www.state.in.us/workcomp/index.htmlThe State of Indiana taxable wage base for unemployment purposes is wages up to $7,000.00.Indiana has optional reporting of quarterly wages on magnetic media.Unemployment records must be retained in Indiana for a minimum period of five years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination.The Indiana State Agency charged with enforcing the state wage and hour laws is:Department of Labor Wage and Hour Division 402 West Washington St., Rm. W195 Indianapolis, IN 46204 (317) 232-2673 http://www.state.in.us/labor/The minimum wage in Indiana is $5.15 per hour.The general provision in Indiana concerning paying overtime in a non-FLSA covered employer is one and one half times regular rate

uick list of mayor living cost as reference, in many cases retirees can Sell their present Living properties, buy one better in Panama for ? of the cost and live a better Life Style for many years with the ? of their sale, with change.

Estimated Monthly Fixed Costs in US dollars:

Electricity in Panama $80.00

Water in Panama (Very Safe to Drink-The Best in Latin America) $20.00

Phone Bills in Panama (Includes Monthly Fee and Estimated Usage) $50.00

Living Maid in Panama (If you can afford it its highly recommended) $150.00

Cell Phone cost in Panama $50.00

Condo Maintenance Fee in Panama $150.00

Internet Service in Panama (Residential) $20.00

Cable TV Service in Panama $50.00

Gasoline in Panama (2.35 per Gallon – Estimate) $50.00

Groceries in Panama (Monthly for Family of 4) $400.00

Fire Insurance in Panama (Building) $150.00

Health Insurance in Panama (Basic Coverage for Family of 4) $150.00

Car Insurance in Panama (Based on a $25,000 Auto) $35.00

Private School Fees in Panama (per kid) $130.00 -$500.00

Additional Expenses

Private School Tuition in Panama $300.00

General Medicine in Panama $35.00

Dentist in Panama consultancy $35.00

Gymnasium monthly fees in Panama $45.00

Dinner at a luxury restaurant in Panama (2 pax) $50.00-$80.00

Movie theater fees in Panama $3.50

Taxi fees in Panama $1.50

Tax (ITBM) in Panama 5%

SECURITY IN PANAMA

CLIMATE IN THE REPUBLIC OF PANAMA

It is very important to mention that in the Republic of Panama there are no hurricanes, active volcanoes or earthquakes because of its privileged geographical position.

GENERAL INFORMATION OF THE REPUBLIC OF PANAMA

“Panama seems to be apart from Central America sustained by its canal, banks and a free trade zone” The Economist.

GEOGRAPHY IN THE REPUBLIC OF PANAMA

The republic of Panama occupies 75,990 km2 with 9 provinces: Bocas del Toro, Chiriqui, Colce, Veraguas, Darien, Colon, Los Santos, San Blas a

Trading Commodity Futures - Intuitively Day Trading The S&P 500 and E-Mini - PART 2
Every trading market has its own special patterns and oddities that will communicate its intentions. Patterns don't always work every time of course, but even that can be a clue of underlying extreme weakness or strength. Just like knowing a spouse well, learning to read your special market can pay dividends. Read on to learn more...More Observations From My Trading Notes:“No chasing – buy only into panics or corrections and with the main trend.”I find if I cannot get in within one-half point of the high or low, I should let it go. I'm talking about a retracement back to the high or low. Too often I have regretted chasing the market, even for less than a full point. These expenses add up when getting in and out. Most good moves with the trend last about three to four points or so before a minor correction.If you give up a point getting in and a point getting out and add in commissions for e-minis future contracts [which are high for contract size anyway] then you are left with a little under two points net profit. Factor in the losing trades and you are going to be a break-even trader. There are many break-even e-mini futures traders out there. You must learn to stick your hand in the fire at the price extremes to get an edge on the competition.Observation:"Day trade only while watching the action.” There was a time in the mid 90's when I couldn’t take the pressure of watching the futures market after I got in. I would sometimes do emotional things that sabotaged the trade, even if it was a winner. The first correction, even when still profitable would get me out often at break-even after expenses. Of course, the market would continue on favorably without me.I then tried putting in a stop below my entry by 2-3 points and take a walk in the woods for the expected duration of the trend. I would come back 45 minutes later and sometimes see tremendous profits. And other times I would see that I had a great profit, but the market had reversed and came all the way back down to entry. Bottom line is that I decided I needed to find a way to sit on my hands and take the heat in real time.Having TIME objectives helps a lot here. Price action is what everyone watches and it will make you crazy. E-mini price action is only “accurate” and means something at the tops and bottoms. During the move there are many fake outs. Probability will reward you over time if you

Pinkerton Intelligence Agency, is a warm, economic, comfortable and adventurous place to retire, invest and live how you have always dream of.

CLIMATE IN THE REPUBLIC OF PANAMA

It is very important to mention that in the Republic of Panama there are no hurricanes, active volcanoes or earthquakes because of its privileged geographical position.

GENERAL INFORMATION OF THE REPUBLIC OF PANAMA

“Panama seems to be apart from Central America sustained by its canal, banks and a free trade zone” The Economist.

GEOGRAPHY IN THE REPUBLIC OF PANAMA

The republic of Panama occupies 75,990 km2 with 9 provinces: Bocas del Toro, Chiriqui, Colce, Veraguas, Darien, Colon, Los Santos, San Blas and Herrera. Up north the Panamanian coastline borders the Caribbean Sea and the North Pacific on the Southern coast of our Isthmus at only 1hr from each other. On the west side of the Republic of Panama is Costa Rica and Colombia on the East Side.

POPULATION IN THE REPUBLIC OF PANAMA

The Republic of Panama has 2,839,177 million habitants (July, 2001). It is a mix of ethnicities from different origins; Spanish conquerors, blacks and indigenous groups. Panama is a place where all cultures collide.

RELIGION IN THE REPUBLIC OF PANAMA

The Republic of Panama has the following religious statistics; Catholics: 85% ; Christians: 12%; Orthodox: 3% “Hindus, Muslim and Buddhists” All cultural groups practice their religion freely in the Republic of Panama.

LANGUAGE IN THE REPUBLIC OF PANAMA

Spanish is the official language in the Republic of Panama. However, English is used frequently by Panamanians and businesses in the Republic of Panama.

POLITICAL SYSTEM IN THE REPUBLIC OF PANAMA

The Republic of Panama has a stable democratic political system who actually promotes the foreign investment. Panama is an independent nation that counts with a wide legal frame which supports the national security for Panamanians and foreigners. Panama’s actual president is Mr. Martin Torrijos.

CURRENCY IN THE REPUBLIC OF PANAMA

Since 1904, the Republic of Panama uses the Balboa as its currency. The Balboa is equivalent to the US dollar which circulates in the Republic of Panama as well. The Republic of Panama has maintained the lowest inflation rates in the hemisphere (2%) in the last 40 years. Traveler checks, credit card or debit cards can be used to makes payments in the Republic of Panama.

BANKING CENTER

Panama City counts with over 150 international and local banks offering a modern legislation on IBC?s (International Business Corporations), Private Interest Foundations, high interest rates on certificates of deposit and more! Banks such as Citibank, HSBC, BNP/Paribas and Dresdner are some of the ones you will find in the Republic of Panama.

TIME IN THE REPUBLIC OF PANAMA

The official time of the Republic of Panama is the same as the East Coast of the United Estates which is (GMT-5).

ELECTRIC POWER IN PANAMA

The electric power in the Republic of Panama goes at 110w-60hz and 220w.

TELEPHONE SERVICE IN THE REPUBLIC OF PANAMA

Internet, phone lines and cell-phone services are excellent. You can make or receive international phone calls in Panama City. The country code for the Republic of Panama is 507.

TRANSPORTATION SERVICES IN THE REPUBLIC OF PANAMA

Because of having an excellent geographical position and one of the most important routes in the world for international trade, “The Panama Canal”, our country is one of the most important spots for logistics on transportation and cargo services in the world.

The Republic of Panama counts with modern ports on the Atlantic Coast as well as the Pacific Coast. Our ports are connected with a Panamanian Rail Way. We count with excellent roads, national and international airports in which all are capable of processing cargo.

The Republic of Panama offers one of the most important maritime systems of commercial routs in the world.The public transportation cost in Panama City is of less than 25cents of a US dollar; taxis fees in Panama City starts from $1.00 USD per passenger, in case of an extra passenger you should add a 25% or 25cents per dollar.

You can reach any province of the Republic of Panama thru de Albrook bus terminal or by contacting a local tour operator. We suggest a private tour services such as the fist private tour service in the Republic of Panama. (www.panamaprivatetours.com).

An example of the price for a bus ticket to David, Chiriqu? is of $10.60. However, this may take long hours and a few stops to eat, etc. In order for you to travel comfortable we suggest a local tour operator as mentioned above.

DRIVERS LICENCE IN THE REPUBLIC OF PANAMA

Any driver’s license is valid in the Republic of Panama for 90 days. However, you should always carry your passport in case you get stopped by a police officer. The minimum age required to obtain a drivers license in the Republic of Panama is of 18 years of age.

MEDICINE AND MEDICAL SERVICES IN REPUBLIC OF PANAMA

The Republic of Panama offers medical services that are top rated like in the United Estates and other countries. Panamanian medical top standards include the public and private service as well. You can find a wide range of hospitals, pharmacies, laboratories, ambulance services; insurance companies that are just a part of a complete medical service system and medical specialties that are found in Panama and Central America. In Panama you will also find a large number of medical professionals; surgeons, medics, paramedics, nurses with vast experience that will confirm the best medical assistance for you and your family.

The Panamanian health center “Ministerio de Salud”, is the institution in charged of determining and conducting health politics in the Republic of Panama.

EDUCATIONAL SERVICES IN THE REPUBLIC OF PANAMA

Private and public schools in Panama are supervised under the Panamanian Minister of Education. Panamanian school systems are organized under primary and secondary “high school” levels which are six years each. University degrees are also offered in the Republic of Panama. There are also a few US universities such as Louiville and Florida State University. The Republic of Panama has over 20 different universities.

Monthly fees for School Trasnportation in the Republic of Panama: US$ 35.00

TOURSISTIC DESTINATIONS IN THE REPUBLIC OF PANAMA

The Republic of Panama is “affordable tourism” For many, Panama is the today’s best country for ecotourism. The unique geographical position that Panama has “a bridge connecting two continents” gives the opportunity to enjoy fascinating primitive tropical rain forests and a biodiversity that counts with over 944 bird species. This is more than in the United Estates and Canada together!

It is convenient to know, that all this nature is accessible at only 1 hour from Panama City. Panama’s National Parks are vast with almost 5 million acres in size; this makes 25% of Panama’s total size. Panama has plenty unexplored virgin forests and for those who have, there is a local saying: while in other countries you see 20 tourists observing one bird specie, in Panama you find one tourist observing 20 species.

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