Like many American retirees, Kathryn and her husband Darrell moved to Panama, expecting to have a healthier lifestyle and live at the beach much less expensively than they'd be able to in the U.S. During the first two months, Kathryn posted these NOTES to their shared FACEBOOK account. In her NOTES, she details their the surprises, the challenges, the good, the bad and the ugly. Anyone considering such a move will benefit from reading these real-time NOTES.