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Looking for opinions on moving from San Fransisco to Panama?

Travel Info
I'm considering selling my house and moving to Panama or Costa Rica. I'd walk away from here with about $400k and would like to live near a nice beach community and semi retire. I'm 45.

Travel Tips
Bocas del TOro in Panama...It is a partially touristical place, where many americans and europeans are living right now. check that Option...
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