Tuesday, December 21, 2010

Bohol - The Land of the Famous Chocolate Hills

Known as one of the island provinces of the Philippines, Bohol is located at the Central Visayas region and is beside Cebu and Leyte. This province is one of the many attractive tourist destinations in the country. Like Boracay and Palawan, other tourist spots in the Philippines, Bohol also has many beautiful and fascinating resorts and beaches. Hence, it is reported that the tourism industry contributes a lot to the economic developments in the province.

Based on the 2000 census done at the province, there are 1,137,268 permanent residents in Bohol. The census also found that there are 209,588 households in the province with an average size of 5.41 people. The life expectancy in the province is greater than those in Negros Oriental and Siquijor which is 72.93 for women and 68.19 for men.

Most residents in the province speak Boholano, which is a Cebuano dialect. However, since migration is a constant trend in Bohol, there are also residents who use Chinese, English and Tagalog as their primary languages. In addition, some schools in the province taught Eskayan language to their students.

Each year the number of travelers who visit Bohol increases. This is due to the attractive tourist spots and natural wonders that can be found in the province. The famous formation of limestone called the Chocolate Hills are the most visited spot in Carmen. Meanwhile, many tourists also visit the popular rivers in the province which are the Loboc River and the Inabanga River.

Panglao Island in Bohol is famous for its white sand beaches. Along in these beaches are beautiful hotels and resorts where travelers and foreigners can stay and enjoy the sceneries. Travelers can also visit the Mag-aso falls, which is located at Antequera as well as the Bilar Mahogany Forest.

Travelers are encouraged to experience and have a glance at the festivals that are held in this attractive province. The Sandugo Festival, the Tagbilaran City Fiesta, the Bolibong Kingking Festival and Festival of Lights or SidlaKasilak are the renowned festivals in Bohol, Tourists who would witness these festivals will remember their stay and vacation at the province for the rest of their lives.

Transportation to Bohol is very easy since the province is very accessible. Tourists can travel by land, air and water. The national government of the Philippines established seaports and airports in the province so that travelers will not experience problems when it comes to visiting the beautiful island of Bohol.

Friday, December 17, 2010

Philippines' Pamalican Island

Whenever we hear Philippines, we think of luscious forests, warm smiles of Filipinos and white sand beaches. Speaking of beaches, Boracay always comes to your mind as a beach-freak. Aside from the infamous Boracay, there are other white sand beaches in the tropics. Pamalican Island, apart from Boracay, is a small island that belongs in Cuyo Group of Islands located at the heart of Palawan and Panay. It is also the home of the high-end Amanpulo Island Resort.

Having the name Amanpulo (which means peaceful) spells it's true meaning and added to that feature is it's alluring beauty and tranquility. However, to transport tourists from Manila to the island, there is always an airplane standing by. It is also used to transport goods and supplies to the island. The island can accommodate less than 100 people to stay. That is an assurance that the place is not that crowded compared to Boracay and Puerto Galera. The fact that it's so small you can tour the whole island in 3-5 hours walk.

If you think walking around the island is boring, think again. The island has so many activities to offer just like diving, snorkeling, fishing, sailing, windsurfing, and beach combing. If you feel the romantic ambiance, try to arrange a barbecue night out with your date or simply grab your picnic basket and do your picnicking on the neighbor island. You can also indulge yourself in the island's casitas (bungalow) that goes with a personal buggy. So if the leave is what you have in mind, always Pamalican Iceland in the list of destinations in Asia.

The 7,107 Islands of Philippines Beckon You to Explore the Richness of Nature and Their Culture!

Philippines History:

From a long history of Western colonial rule, interspersed with the visits of merchants and traders, the 7,107 islands of Philippines today has evolved as a unique blend of the east and the west, both in appearance and culture. Today regarded as the third largest English speaking country in the world, the country has a rich history combining Asian, European, and American influences.

The Filipinos had a rich culture and were trading with the Chinese and the Japanese before the landmark event, Spanish colonization in 1521 altered the destiny of the island country. The Spanish colonization being a strong denominator in the history of Philippines, it brought about the construction of Intramuros, a "Walled City" comprised of European buildings and churches, replicated in different parts of the archipelago. A series of political rebellions then continued for as long as 350 years, at the end of which in 1898, the Filipinos succeeded in winning their independence. It is worth mentioning over here that this independence of the nation was fuelled by leaders like Jose Rizal and Emilio Aguinaldo.

1898 became a landmark year in the history of Philippines as in this year; Philippines became the first and only colony of the United States. However, The U.S. refused to recognize any Philippine right to self-government. As a result, Aguinaldo declared war against the United States for denying them independence on February 4, 1899. Following the Philippine-American War, the United States brought widespread education to the islands. Filipinos fought alongside Americans during World War II, particularly at the famous battle of Bataan and Corregidor which delayed Japanese advance and saved Australia. They then waged a guerilla war against the Japanese from 1941 to 1945. However, the country was able to regain its independence in 1946. In this way, the freedom-loving Filipinos have waged two peaceful, bloodless revolutions against what were perceived as corrupt regimes, resulting in the vibrant democracy of today's Philippines. Today, there are as many as 12 English national newspapers, 7 national television stations, hundreds of cable TV stations, and 2,000 radio stations in Philippines, which ensures that democracy is restored to the country.

Philippines Economy:

Based on the agriculture industry, Philippines has gradually evolved today as one of the fastest growing economies in the whole of South East Asia. The service sector in Philippines is growing at a steady pace, keeping in tandem with the country's phenomenal productivity in agriculture and industry.

Pimarily an agricultural region producing copra, maize, hemp, rice, sugar, and tobacco, the land of Philippines was also notable for mining activities as researches have found out that the mountains of the islands contain substantial amounts of chrome, copper, gold, iron, lead, manganese, and silver. Fishing, centered in Manila Bay and the Sulu Archipelago, has been yet another significant occupation, especially for the tribesmen scattered across the archipelago. However, the prospects of fishing as an industry like that of the agricultural and mining industry in Philippines is quite bleak, due to expensive funds and equipments. Important sectors of the Philippine economy, apart from agriculture, mining and fishing, include food processing, textiles and garments, and electronics and automobile parts.

While most industries of Philippines are concentrated in the urban areas around metropolitan Manila, natural gas resources have been discovered in recent times off the islands of Palawan, which are sure to add to the country's substantial geothermal, hydro, and coal energy reserves.

Basically an agricultural economy with commerce, trade, and industry contributing to its growth and development, farming with the primary crops "palay" and "corn" and also minor crops like rootcrops, vegetables and fruits as well as cattle and swine raising are considered among the other major economic activities. Besides, the country's oranges and mangoes are now major crops being exported fresh to Asian countries.

Philippines was less severely affected by the Asian financial crisis of 1998 than its neighbouring south-east asian countries like Singapore, Malaysia etc. This was possible because there were the annual remittances of $7-8 billion from overseas workers. Besides, no sustained runup in asset prices or foreign borrowing happened over here, prior to the crisis. Therefore, from a 0.6% decline in 1998, GDP expanded by 2.4% in 1999, and 4.4% in 2000. By the end of 2001, however, the country showed an economic slump in face of a global economic slowdown, but it soon recovered in the successive years, as GDP growth accelerated to 4.3% in 2002, 4.7% in 2003, and about 6% in 2004, reflecting the continued resilience of the service sector, and a much improved exports and agricultural output.
Despite all these facts and figures, Philippines' high annual population growth rate and unequal distribution of income, its higher oil prices, higher interest rates on dollar borrowings, and higher inflation happen to be solid roadblocks to its consistent economic progress. Keeping these in mind, the government has to take a higher, sustained growth path to make appreciable progress of the economy.

Philippines Culture/Religion:

A true blend of culture where east synergizes with the west, Philippines has acquired a cultural character with a little bit of all the cultures put together. Divided geographically and culturally into regions, each regional group of the Filipinos is recognizable by distinct traits and dialects. The sturdy and frugal llocanos of the north, the industrious Tagalogs of the central plains, the carefree Visayans from the central islands, and the colorful tribesmen and religious Moslems of Mindanao, all speak distinct dialects of their own. In this way, Philippines has more than 111 dialects spoken, owing to the subdivisions of these basic regional and cultural groups. Housing Indonesian Malay people as well as some Chinese and Spanish elements, the country has been famous for its "Bayanihan" or spirit of kinship and camaraderie and hospitality that the Filipinos are said to acquire from their forefathers. The influence of the Chinese has incorporated in them the concept of close family relations, while the characteristic piousness comes from the Spaniards who introduced Christianity in the 16th century. Regarded amongst the English-proficient Oriental people, they have Pilipino as the official national language, while English is considered the country's unofficial one. As a matter-of-fact, Philippines is currently the third-largest English speaking country in the world.

An integral part of the culture of the Filipinos, the "fiesta" is quite a cultural denominator of Philippines. The culture of the Filipinos indicates that good times or bad times, come what may, the fiesta must go on. Each city and barrio having at least one local festival of its own, (usually celebrating the feast of its patron saint), there is always a fiesta going on somewhere in the country. The most pompous and elaborate among all these is Christmas, a season which the fun-loving Filipinos celebrate with all pomp and pageantry one can imagine.
Speaking about religion, the Filipinos have historically embraced two of the great religions of the world - Islam and Christianity. Introduced during the 14th century, shortly after the expansion of Arab commercial ventures in Southeast Asia, today Islam in Philippines is limited to the southern region of the country. On the other hand, Christianity, which was introduced in the 16th century with the coming of Ferdinand Magellan in 1521, remains a predominant religion in the country with a large chunk of Catholics (82.9%) and a small number of Protestants (5.4%). Protestantism was introduced to the Philippines history much later (1889) by the first Presbyterian and Methodist missionaries arriving with American soldiers in the country.

The churches of Philippines, with their unique towering architecture, are landmarks in almost all important towns, provincial capitals, and major cities. As an important fact, two of the much prominent Filipino independent churches were organized at the turn of the century, namely, the 'Aglipay Independent Church' (founded in 1902) and the Iglesia Ni Kristo' or 'Church of Christ' (founded in 1914). While the Aglipay has recently signed a covenant with the Anglican Church, the Iglesia ni Kristo has expanded its membership considerably.

Philippines Travel/Tourism:

With exotic beach destinations in Philippines like Boracay, Pagudpud, Mactan Island, Panglao, Camiguin and more, with a rare and exotic marine life adorned by flora and fauna, with an exciting range of water sports ranging from scuba-diving and snorkeling to sea kayaking and white water rafting, Philippines, along with its other neighbouring South-east Asian countries, happens to be a treasure trove for foreign tourists. As a matter-of-fact, the islands of the Philippines is said to be the most sought after wedding destination where traditional meets exotic, modern meets mythical and above all, east meets west.

Foreign tourists all over the globe vie with each other to experience the fabulous wedding packages at Shangri-la's Mactan Island resorts. The Pansukian Tropical Resorts, on the other hand, are sought after every year with their offerings of enchanting honeymoon packages. And why not, for 7,107 islands, a coastline twice the length of that of the United States, the warm crystal blue waters of both the China Sea and the Pacific Ocean, the long, white sand beaches and a variety of marine life would be tempting enough for anyone in the world!

Philippines can also boast of a fascinating wildlife with a huge array of endangered endemic Philippine animals, including 108 African animals, man-eating Philippine crocodiles and the endangered "dugong", or sea cow. The country can also boast of a spectacular marine life as the Tubbataha Reef National Marine Park of Philippines teems with coral species, coral genera, seagrass species, large marine life, dolphins, marine turtles; and seabirds. "The Bird Island of Central Philippines" is a critical stopover of up to 50,000 migrating water birds flying the East Asian migratory flyway yearly. Speaking of the distinctive beauty of the flora, there is the Ninoy Aquino Park and Wildlife Nature Center in Quezon Avenue, Philippines, that boasts of about 38 species of trees and shrubs, representing 2,443 trees commonly found in forests of the Philippines.

Apart from the idyllic settings in the Philippines make it a great golfing destination for the elite crowd and on the market. Featuring unique golf enclaves, from lush valleys to mountains, seaside villages, or simply to urban landscapes tournaments Philippines can boast some of the sites of the world's most renowned international and local levels. These include the Johnnie Walker Classic, the WorldAmateur Golf Championships, the World Cup, The Asian PGA, and the Philippines Open. With all these attributes and much more, the country can very well be Asia's Beach Capital in the true sense of the term.

Monday, December 13, 2010

Philippines Casinos

The casino sector in the Philippines is one of the fastest-growing parts of the Filipino economy. Philippines casinos are popular with locals, but it is tourists who increasingly form the mainstay of most casinos' clientele. Traditionally, most casinos in the Philippines have been licensed through a state-run company called PAGCOR, but recent liberalization of the rules has allowed private firms to open up casino ventures of their own, encouraged by the growing popularity of gambling in the country.

The largest concentration of Philippines casinos can be found, unsurprisingly, in the capital of the Philippines, Manila. Manila casinos are the biggest and most popular in the country, attracting thousands of visitors every year, many of them travelers from abroad. The capital is very popular with tourists from neighboring East Asian countries, but also further afield, including the USA and Europe. Consequently, casinos are a natural magnet for visitors wanting to relax in what can sometimes be a very crowded and busy city, with a varied and thriving nightlife scene. Manila casinos are famous for their relaxed ambience, and socializing is viewed as being almost as important as gambling. The pace of the games is often quite slow, which acts as a welcome antidote to the frenzied pace of city life.

One of the most popular Philippines casinos was the PAGCOR-owned Subic Bay Legend, situated at Subic Bay north of Manila, on the site of a former US Naval base, but the casino was closed in May 2006. However, there is another casino in the Subic Bay development called the Diamond, with tentative plans to create further casinos in the area. Casino development is further encouraged by the positive business conditions in the Philippines, a cheaper place to do business than alternative countries such as Macao and Japan, and the more relaxed rules on casino ownership in areas like Subic Bay, which have "Special Economic Zone" status to encourage investment.

In addition to these developments, there are several casinos further afield in the Philippines, including the islands of Cebu and Davao. The PanAsia Poker Tour has also hosted its first event in a Philippines casino, the Philippines Open, which is open to poker players from around the world and is held at the Airport Casino Filipino. Philippines casinos are a growing part of the Filipino tourist scene, and they provide an increasingly attractive alternative to casinos in other East Asian countries.

Saturday, December 11, 2010

Cebu City Philippines and the Shrinking Dollar

Cost of living in Cebu Philippines and Camotes Islands Cebu, Philippines. Many expats living in the Philippines are sharpening their pencils and watching their spending habits much more closely as the dollar continues to drop against the peso. Currently the exchange rate is approximately $1.00 to P40.00. That's a BIG difference from just three years ago when the dollar fetched P56.00. To make matters even worse the dollar is expected to drop to P38.00 and some circles are saying it may go as low as P30.00 within the year. The expats currently living in the Philippines are feeling the lower exchange rate from their monthly retirement pensions and tightening their belts. Expats that have been considering retiring to the Philippines may well be looking else where for a retirement location. To make a bad situation worse the Cebu Hotels are talking about a 10% increase for their rooms. Surely other services will follow the increase and soon the dollar may shrink to an even further all time low in the Philippines.

In 2004 a dollar bought P56.00, so when I exchanges $1,000.00 at a Philippine bank or Money Changer I got P56,000.00. Today $1,000.00 buys just P40,000.00 a P16,000.00 decrease of $286.00 or 29% less. Now add a conservative estimated Philippine inflation rate to the 29% decrease and you are looking at a total loss of about 40% in just three years. WOW! That's a big hit and a really big hit for a retired guy with a pension of just $1,000.00 There goes the Filipino myth that all foreigners are rich. Instead of living like a king in the Philippines with a pension of $1,000.00 foreigners may find themselves to be a lowly prince and maybe even a pauper with a mere pension of $1,000.00.

Now the questions for those expats living in the Philippines and for those considering the move to the Phillippines is simple, is it worth it? Should I find a cheaper country to retire and spend my pension? Before an expat answers the question we need to consider the big picture and that means what does it cost to live in the Philippines today?

Many things we buy in the Philippines are cheaper than in the US, Canada, Europe and Australia. However, many things also cost the same and sometimes more. Building a house in Cebu is still a huge bargain. Buying a condo is also a bargain. A new house in Cebu can be had for $40,000.00 and a nice Condo for about $60,000.00. My little one bedroom house in the VERY rural Camotes Islands cost just about $8,000.00 to build and furnish and that includes the land. At the current exchange rate and inflation the same house, land and furniture would cost about $11,320.00 Yes, That is a big jump, but still very cheap by western standards. My Monthly Budget changes all the time, but here is what I have been spending for just the basics:

$200.00 Food

$50.00 Electric

$20.00 Internet connection

$20.00 Satellite TV

$15.00 Cell Phone

$5.00 LPG gas for cooking

$60.00House maintenance

$20,00 Motorcycle maintenance and gas

$100.00 Monthly Cebu City trip Entertainment, Movies, restaurants

$490.00 TOTAL MONTHLY COST

The following estimated budget is for two people living in Cebu City.

$200.00 House rent In Cebu City.

This would be a nice house. It doesn't cost much for rent.

$150.00 Food

$50.00 Electric

$20.00 Internet connection

$20.00 Cable TV

$25.00 Phone

$5.00 LPG gas for cooking

$30.00 Maid Live-In $40.00 maximum

$50.00 Transportation, Taxi, Jeepney

$200.00 Entertainment, Movies, restaurants, golf and beaches

$750.00 TOTAL MONTHLY COST

Please note the Cebu City budget does not include a car allowance. It is much cheaper and easier to use Jeepneys and Taxi Cabs.

Both of these budgets still get you in under $1,000.00 a month. By far my rural budget is the cheapest. However, The keyword is RURAL! Not everyone wants to live in the Rural Islands. I love it in Camotes Islands, but there ain't much in Camotes for those that like the night life, shopping and restaurants. The Cebu City budget may well be a bit conservative. However, it is a good starting point. You may need to adjust for your lifestyle.

REMEMBER!! I did not include visa cost and medical insurance. On average a Tourist visa will cost about $1.00 per day and medical insurance can be outrageous depending on the carrier.
You also need to have enough money for emergencies: trips home, Accidents, theft, and medical emergencies. I recommend you have at least $5,000.00 at any given time to draw from and $10,000.00 is even better. If you don't have an extra $5,000.00 for emergencies don't go. The worst thing that can happen to an expat is to be in an emergency situation in a foreign country with no money and no way home.

At the end of the day it appears the Philippines is still a good retirement option. Not as good as it once was, but still a strong option for a place to retire on a modest pension. However, I suspect many expats will want to save their money and consider the rural areas of the Philippines to retire. The rural areas can be very enjoyable for those in good health. However, if you need regular medical care you may find the rural areas lacking in medical facilities. Also, if you want all the frills of a city then the rural areas will be a true disappointment. I think the Philippines may well see a decrease in western Foreigners retiring to the country. Another significant issue is the thousands of OFW's Oversea Filipino workers. OFW's are all over the world and they contribute a LARGE portion of the Philippine economy. The OFW's send money home to their families every month. With the decreased dollar to peso rate I suspect the OFW's will need to tighten their belts just as much as the expats.

To answer the two questions. Is it worth considering the Philippines as a retirement option or should one consider another country? My answer is both Yes and No. If you have a pension of $1,000.00 yes, but with caution. If your pension is less than $1,000.00 you need to REALLY think it through and maybe consider another country. Still, the Philippines is a pretty good option and a cheap place to live if you can stick to a realistic budget and have at least $5,000.00 for emergencies.

Friday, December 10, 2010

Scenic Wonders of Bohol Island Paradise

A paradise in the heart of the archipelago, the island of Bohol is rich with history, hospitable people, and a culture worth knowing, beaches caves and scenic view for the nature lovers.

The island of Bohol lies in the middle of the Visayas region and is reachable by an hour's boat ride from Cebu or Mactan island.

Bohol is surrounded by islands shielding it from annual typhoon season. It is separated from the Mindanao region by Bohol Sea in the south and the Canigao channel in the east. The Camotes seas separate the island from the Camotes Island and the Bohol strait from the island of Cebu.

Bohol has a land area of 4117.3 square kilometers, making it as the tenth largest island of the Philippines.

On Bohol, most people speak Boholano which comprises one third of the population. You'll be mistaken if you think that language will be a problem since Tagalog and English is well understood by the people.

Aside from the famous chocolate hills of Bohol the island has a lot more to offer. Tourist destination includes not only the well known pristine white sand beaches that stretched the island, Bohol's tourist assets includes, caves, majestic falls, scuba diving sites whale and dolphin watching and historical landmarks.

The Chocolate hills of Bohol is probably one of the most popular tourist attractions in the country. These consist of approximately 1268 hills and is uniform in shape mostly 30 to 50 meters in height. The hills are covered in grass but during the dry season it turns into brown giving the chocolate like appearance.

Chocolate hills complex is accessible by bus going to Carmen and dropping off before the town of Carmen. From there it's a 10 minute walk going to the complex and enjoys the wonder of nature.

Panglao island's beaches and resorts are a site to visit for tourist. It is located southwest of Bohol and has two municipalities. Along with the famous beaches are Alona, Dumaluan, Bikini, Momo, and Doljo.

Panglao offers cave tours like the Hinagdanan cave, dolphin watching, scuba diving sites, visita eglesia- Dauis church, Bohol's tallest hanging bridge, and an encounter with the Tarsier monkey that are only endemic in the island.

The Island resort also offers numerous restaurants, recharging body massage and unforgettable nightlife for party goers.

Bohol is also dotted with numerous majestic and refreshing waterfalls around the island. It is hidden away from the urbanization and are waiting for tourist to be discovered. A few minutes of walk from the Antequera will be the Mag Aso falls that only fro a few pesos one can enjoy the scenic view.

Also located near the town is the Inambacan falls which is the source of irrigation and drinking supply for the people of Tagbilaran. In the municipality of Dimiao, the twin falls are located that offers a good place for picnic and trekking.

Bohol is also known as the cave country of the Philippines which offers 1400 known caves and some to be discovered. It can offer adventures a place for spelunking and trekking.

Indeed the island of Bohol is a paradise that awaits every visitor to be enchanted by the God given beauty of Mother Nature.

Bohol is located in the middle of the archipelago and can be reached conveniently by Boat of by air. For tourist coming from abroad there are two options first a flight to Cebu then another going to Tagbilaran or Manila connecting to Tagbilaran. Coming from manila, air travel can take an hour and a half to Tagbilaran.

And for those travelers with small budget to spend ferry can be an option from manila that can take 25 hours of travel. Come and visit Bohol and enjoy God's gift to man.

Thursday, December 9, 2010

Samal Island Resorts

Samal Iceland has the best beach resort in the Philippines? Well, maybe not by most accounts, but the Island Garden City of Samal has a lot of days now choose safe. Coming together with new developments (Holiday Oceanview Samal, Playa Azalea, Coast & Samal Kemabli Highlands Garden Resort to name a few), and the potential Sama-Davao bridge, you can not make long Samal Island and the best place.

Some of the most popular currentIsland Garden City of Samal beach resorts are:


Fernandez

Costa Marina

Pearl Farm

Balibali

Punta del Sol

HOF Gorei

Bluewaters

Isla Reta

Chemas by the Sea

Island Buenavista

Bluejaz Resort & Waterpark

Paradise Island

There are quite a few others, probably over 40 total by my latest count. The number is constantly changing but for the most part its been growing.

Everyone has their own favorite. Pearl Farm Beach Resort is probably the best known, and certainly one of the nicest and most expensive of all of them. Paradise Island Beach Resort is a favorite of many of the locals and fairly affordable, especially for a day trip. Chemas by the Sea is smaller and feels more exclusive, you won't find a crowd there. Punta del Sol is well known to scuba divers and diving tours.

Bluejaz Resort & Waterpark specialize in water sports including waterslides. With Island Buenavista you can get the whole island to yourself and friends, for a day or overnight stay. There's something here for everyone and it may not be long before they are not quite the secret that they've been in the past!