Raymond and his wife, Venecia, have established a loan business (GAP) in Panama. (gapfinanciera.com) Panama is an encouraging economy during this time of a global downturn. Ray has lived in Panama for the last 7 1/2 years and loves every minute of it. He often goes to the mountains where the greatest coffee in all of Latin America is grown. Come on down! He is shown “hard at work,” sort of.