Introduction - Clients of our law firm frequently ask us what are the good opportunities for investment in Panama. This web page is probably a long time coming and here it is. Investments are rated by the number of stars *****, five is the best and one is the worst.

Real Estate Flipping * - This is buying a not yet completed condo or townhouse and selling it before it is completed. This gives you a gain (well you hope anyway) and the ROI (return on investment) is great since you only put up to 30% down. Many people we know are trying to sell their flip positions without success. Several large prominent real estate projects have failed to move forward to completion thus the speculators just tied up their capital for no gain and wasted their time and money. The clichйs concerning panama real estate flipping would be as follows: If it was that good everyone would be doing it and If it is too good to be true it probably isn?t true.

Construction Raw Materials **** - Now you are talking about a good investment. There is still a tremendous amount of construction taking place in Panama and this is likely to continue for some years to come. All real estate construction materials are in short supply and prices are high. You can start with cement, go to marble, tile, etc and the preceding is all true. This is how one can make some serious money. Capital is required and one would import the raw materials required by the construction industry. We are a Panama Law Firm and we can assist clients strictly as your legal counsel, who wish to engage in such a business enterprise.

Construction Heavy Equipment **** - There is a shortage of all heavy construction equipment used in constructing high-rise residential buildings. It is all in short supply. You could import new or used equipment. You can rent it out by the day, week or month. You can also contract with developers over longer periods as well. The construction of the Panama Canal expansion has not even started yet and this should serve to increase the shortages.

Dump Trucks ***** - There is a serious shortage here. Some projects are severely backed up since they lack the trucks to haul away the dirt from the job site. These can be rented short or long term or supplied to developers on a long-term basis. You could supply, drivers, do the maintenance, have replacement trucks etc and make a fortune. You need not import new equipment; used equipment in serviceable condition would work fine. The developers are more interested in quick completion times than they are interested in extra truck expense costs.

Cement Mixer Trucks **** - Again another shortage, see above.

Expensive Horses *** - Panama has lot of them, many different breeds and at prices much below the North American market prices. This is simple for one in the business. Better yet set up a breeder facility in Panama taking advantage of low land cost and cheap labor and export the horses to the North American market at a tidy profit.

Customer Service Residential Businesses **** - Think of something all the foreigners moving into condos in Panama will want that is not already here and watch your cash register ring. The completed condos are about to occupy and more are completing monthly. This is an amazing market of high disposable income people, mostly without children in their home that are over 40. This one requires excellent marketing skills and is not for the me too businessperson. If you try competing against the locals in their business you will probably lose. You need to bring something new to the table and need to make sure it is not easily copied. Imagine the potential, all you need is the product that the people will want that no one else has in Panama. Of course our law firm can provide all the legal assistance you need.

Hard Money Lender*** - Want to loan money against houses, townhouses and condos this is the market. Imagine 30% to 40% down (60% to 70% LTV), 5 to 15 year mortgages at 3 points over bank rates which are currently in the mid sixes so you would be in the 9% + range. Strictly equity loans in first position giving you serious protection. Rates are currently not so exciting but servicing costs are low in Panama and you would run out of money before you ran out of mortgages.

Panama Web Hosting **** - There is a serious shortage of reliable web hosting companies, no shortage of bandwidth. Run in your lines to a secure facility. Have 24-hour camera surveillance of the site. Use swipe cards for all staff coming and going. Have 24-hour serious security. Promote it as such and you will have no shortage of customers.

Restaurants* - Forget this they come and go all the time. High failure rate, lots of competition.

Hotels *** - Shortage of real five star hotels. There are no real five stars using North American standards. What they call a five star here is at best a four star elsewhere. Good four-star hotels would also fare quite well since they are in short supply as well.

Alternative Health Care ***** - Big shortage, great demand. Come on down. Look into licensure first since that gets tricky.

Maids ***** - Panama currently has a serious shortage of maids. Think of a solution to this and clean up.

Please feel free to contact our law firm for any matter in which you require legal representation in Panama.

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Even if you’re not home when it happens, break-ins are a terrifying ordeal.  This invasion of your personal space can shatter your sense of safety for a long time.

Aside from the “standard” important tasks such as reporting stolen items to the police and your insurance company, here are some steps you can take towards feeling secure again:

Improve your home security by using the following:  Work especially on the visual and physical deterrents.  Make it clear (with big security signs, for example) that you are NOT going to be broken into again.  And if the break-in illustrated a particular security hole, plug it.  Beef up the security and make it clear that you’ve done so.

If you or a family member cannot stop worrying about another break-in, or starts showing other anxiety symptoms, visit a counselor.  As anyone who’s gone through one knows, break-ins can be very traumatic (particularly home invasions), and this can lead to a disorder called PTSD, or Post Traumatic Stress Disorder.  This is a serious condition that is diagnosed by a counselor, and can be treated effectively with counseling.  Don’t be afraid or ashamed to seek help.

As for recovering stolen property, it’s best to leave this process to the police.  If you’ve marked your belongings with your driver’s license number and given police your serial numbers, you’ve greatly increased your chances of getting your stuff back.  Police have various ways of looking for stolen goods.

Most people don’t know their neighbors very well these days.  This is a shame for several good reasons, one of them being home security.  Your neighbors can be potent allies in your efforts to keep your home safe and secure.

Get to know your neighbors if you haven’t already.  Tell them about your interest in keeping your home secure, and ask them if they could keep an eye out for you.  Offer to do the same for them.

You should also call your local police and see if there’s an active neighborhood watch program in your area.  If not, start one.  This can be an effective way to help the whole neighborhood watch out for each other, and it can also build a sense of community (which has benefits that go far beyond home security).

No matter who you are or where you are, you are likely feeling the growth of touchscreen technology. Today, frequent fliers often enter flight information using self-serve kiosks and soar through airport check-in, skipping the otherwise long lines. Busy moms may use car touchscreen systems to find directions, control air temperature and more. And businesspeople who require communication access at all times invest in advanced communication devices to stay in touch.

Whether it's used by people stopping by the ATM to get some quick cash or casting a vote, touchscreen technology is taking off, converting everyday tasks into fast and convenient experiences.

The technology appeals to all ages and in a variety of industries. Retail outlet store merchandisers are using touchscreen as a new marketing strategy to engage consumers while delivering product information at the touch of a finger.

FAO Schwarz, for example, has installed 17-inch Planar touchscreens as part of a consumer design center for the Hot Wheels Custom Car Factory in its New York store. Using the Planar touchscreen kiosk, shoppers can customize their own Hot Wheels car with special colors, designs, wheels and rims.

Other toy manufacturers are taking advantage of touch technology to provide entertaining and educational toys for children who are too young to have developed the motor skills required for a regular computer.

The restaurant industry also is seeing the benefits of touch-integrated point-of-sale systems to improve order-processing time. Easy-to-use touchscreen devices enable servers to enter food orders faster and more accurately, enhancing the overall dining experience.

Tableside units in restaurants provide customers with a variety of entertainment and information options, such as playing video games or surfing the Web.

Other industries embracing touchscreen technology include automotive (car rental information portals, GPS systems), industrial (ATMs, gas station service pumps) and health care (outpatient information kiosks).

Receptive consumers and falling prices have enabled touch technology to spread its reach across a wide range of markets. As a result, it is making strong inroads as a primary way for consumers to get more "in touch" with products, services and information.  - NU