The lure of living south of the border: tropical weather, bargain prices and a slower pace of life attract retirees to Latin America.(LIVING WELL)

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THE FIRST TIME DWIGHT FORD VISITED PANAMA City two years ago, he was in for a big surprise. "I thought I would see guys pulling banana carts" he recalls. Instead, he found a thriving capital city and international banking center. "The value was staring me in the face." So was the prospect of a blissful retirement in a 31st-floor penthouse condominium over-looking the Pacific Ocean.

Dwight and his wife, Marciana Wilkerson, who lived outside Washington, D.C., put l0% down on two side-by-side condos selling for about $440,000 each when the luxury high-rise was under construction. Today, the condos in the fashionable commercial district of Punta ...

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