Thanks for the welcome and response Dolly and Synthia.

We moved here from Las Vegas. Three years ago, when my husband and I were looking for a place to retire, Panama keeps popping up as the best place to retire so now we are here. But my husband got bored from retirement so now hes back to work.
We live in Obarrio, San Francisco area. You are right, everything went up on real estate pricing here. Its unbelievable. Electricity , phone, cellphones and cable bills are also high.