Showing posts with label Philippines. Show all posts
Showing posts with label Philippines. Show all posts

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.

Tuesday, December 7, 2010

Weathering the Weather in the Philippines

The Philippines is a country of diversity - brimming with colorful people living in colorful places. But not when it comes to the weather. There are only two seasons in the Philippines: wet and dry. But don't let bad weather keep you from having fun on your trip! A little Philippines travel guide will go a long way.

CLIMATE CHANGE

Climate change has affected the weather in tropical Philippines, too. There used to be a clear point when the seasons started and ended. Today though, Filipinos (and their visitors) experience unexpected weather changes: the sun could be shining warmly one moment, and heavy rain could be pelting down the next. But generally, the country experiences its warmest from April to October. The rest of the year is relatively colder because of the monsoon winds. On average, twenty typhoons enter the country yearly; the majority of which occur during the latter half of the year.

LOCAL WEATHER

Some places in the Philippines are known to have their own weather system - specially in mountainous areas. Weather could also be magnified in places near beaches or other bodies of water. It is best to keep updated with weather changes from local and international news. PAG-ASA (Philippine Atmospheric, Geophysical & Astronomical Services Administration) is the government weather bureau. They publish hourly reports whenever a typhoon hits the country.

BE PREPARED

During your stay in the Philippines, always bring around your weapons against the elements. Sun block is good for preventing painful sunburns (specially for those with sensitive skin). Umbrellas can shield you from both the harsh sun and the pelting rain. Hats with wide brims or visors protect your hair and eyes. Sunglasses can help prevent the sun from damaging your vision. And fans can help keep you cool through the humid days.

Keep these Philippines travel information in mind, and you will enjoy your stay in the Philippines come rain or come shine.

Saturday, December 4, 2010

Five Vacation Spots You Should Visit in the Philippines

Explore Philippines and discover Filipino culture and history as seen in their century old churches and museums. Its bountiful natural resources and beauty pictured in its long stretch white beaches and virgin forest.

It is no wonder why it is considered among the best tourist destinations in Asia today. With its beautiful white beaches and world class beachfront resorts which offers tourist the best accommodation ever. Here are some of the featured destinations of the country worth a visit.


Alona Beach

Panglao Island is just a few minutes ride from Tagbilaran city of Bohol. Panglao Island is one of the pride of Bohol and prime tourist destination. Aside form its beautiful beaches, they are known to have the best diving sites worldwide. You will have lots of choices with the different hotels and resort in the area. In fact a new addition is the ongoing development of a 16 hectare Eskaya Beach Resort & Spa which will cater to rich Filipino tourist and tourist from other countries.

Donsol

Known as the Whale Shark Capital, Donsol is a coastal village situated in the northwestern tip of Sorsogon province. This town is being eyed as first class metropolis due to the millions of tourist both from local communities and foreign countries. It is indeed earning a lot of revenues from its tourism industry.

Boracay

Boracay is now an epitome of the most developed island full of outdoor activities and an exciting nightlife. A long, long way when tourist has not discovered it yet but then despite of all the developments it has, Man has preserve its natural beauty. During the day, one can go swimming, island hopping and explore caves and at sunset most people take the time to seat outside with a drink in hand and just watch the magnificent view of the sunset. Night time means partying and for party people its means partying all night and bar hopping is also one activity they enjoy so much.

Palawan

The striking beauty of Palawan remains uncorrupted until now. It is one place where nature us really preserved at its best, just like any island in the Philippines, it boasted of it white sandy beaches, magnificent rock formations and caves. It is home to an amazing number of plant life and animals species. You will surely enjoy your trip from the high lands down to the water. See Palawan for yourself and you ill know why tourist both local and foreign loves to visit it again and again.

Banaue Rice Terraces

If you are one of those who loves mountain climbing and who gets so much pleasure in being with nature, then explore the Cordillera highlands where you can see the stunning man made attraction of Banaue Rice Terraces. You can clearly see the hard work of the people who made it and can appreciate art as it is. It would be a new experience and it is indeed beautiful and peaceful just to look at it and be amaze at how the natives engineered such terrain.

Thursday, December 2, 2010

Growing Flowers in the Philippines

When one hears the two magic words "The Philippines", the mind is flooded by images of beaches littered with toned bodies in golden skin, a piece of jaunty music, good food, sports icons and exotic animals which can only be found in its virgin rain forests. But do you think about its flowers?

The Philippines is home to some of the most beautiful flowers in the world. The tropical climate might be too extreme for sensitive flowers such as roses so many professional growers choose to use greenhouses to control the weather. However, other flowers such as anthuriums, ginger, birds of paradise, heliconias and orchids are perfect for the tropical weather. These flowers can be cultivated easily in the hot and moist weather that is the trademark of The Philippines.

Flowers can be grown the traditional way, that is, in flowerbeds. The grower plants seeds in the soil and waits for the flowers to grow, all the while taking care of it with devoted patience. The grower protects the plants from pests both from the soil and out of it by using appropriate pesticides. Fertilizer is used to enrich the soil to ensure that the flowers are "fed" properly, other than being given water and right amount of sunlight everyday.

Since The Philippines is a tropical country and therefore prone to extreme and sudden changes in the weather, growing flowers traditionally involves a lot of risk. The grower may lose all of his or her crops to an abrupt spike in the temperature or a heavy downpour of rain. This is not practical since the time, labor, and capital lost can never be replaced.

That is why Philippine flower growers utilize greenhouses in farming their flowers for commercial sale and export. Greenhouses offer a controlled environment perfect for the flowers' optimum growth. The risk for pest invasion is drastically minimized as well, since the greenhouse is sealed. All the flowers are tended to more thoroughly in a greenhouse than in an exposed flower bed since all necessary conditions are maintained at less the cost, time, and manpower.

After harvesting, the flowers are delivered straight to the flower shops. These flower shops in turn offer flower delivery to their clients. Delivery is efficient and stress-free, which makes the flower shops competitive not only in the quality of their flowers but in the quality of service as well. In fact, delivery is not limited only within the Philippines; it also exports its flowers to the rest of the world. And why not? Their beauty is renowned and unique - only in The Philippines!

Wednesday, December 1, 2010

Doing Business in the Philippines

Want to invest in the Philippines? You are not sure about in investing in the Philippines? The Philippines accepts any investment regardless of nationality. Before doing investments, you must first secure the necessary license from the appropriate government bodies.

Foreign companies may choose possible forms of establishment, which are corporations, partnership, sole proprietorships, branches, and representative offices. Each establishment has different requirements depending on the Philippines laws and regulations. You can now lease private lands up to seventy-five years, but it is limited for tourism projects with an investment of certain amount of money depending on the government regulation. The foreign investments are encouraged or must help provide employment for the Philippines, it should also help the development of economy and help increase production.

The Philippines is a very great country to invest in because it has a lot of places that are tourist-centric. It is also one of Asia's tourist spots and has more than one hundred festivals every year. And every year during the different festivals, more tourists visits the Philippines that would result in increase salary. Not only that, Filipinos are very fond in celebrating their leisure time or vacation in the beach, which is very abundant here in the Philippines. One of the most visited and more popular beach is Boracay Island's White Beach. Every month, different tourists visit the fascinating beauty of Boracay Island's White Beach, which is a very good place to invest. There are so many places here in the Philippines that are very good for investments. You would not also have a problem about labor because it is relatively cheap plus Filipinos are well educated, has a satisfactory rate in English communication and they are considered highly adaptable and trainable.

Try to discover the Philippines different places and choose where to invest. You will never know what the future brings for you.

Monday, November 29, 2010

Living in the Philippines - Most Popular Urban Retirement Cities of Foreign Retirees

When it comes to retirement locations in the Philippines, one has many options - major urban cities, larger rural cities, beach resorts, mountain retreats. Each has its own unique and attractive features. The major advantage of retirement in a major urban Philippines city are (i) international airport accessibility, (ii) excellent healthcare accessibility, (iii) all major sports activities, and (iv) secure, upscale shopping, night life and entertainment. In this category of major urban cities are the Manila metropolitan area, Cebu City in the Visayas area of the country, and Davao City in Mindanao.

MANILA

Manila is the capital of the country, and the primary port of entry for every foreigner flying to the Philippines. It is the gateway to the Philippines. For a foreigner seeking quick access in and out of the country, Manila is the place to be. Travel to Manila from California is 15 hours, from Hawaii it is 10 hours, from Tokyo it is a little over 4 hours, from Hong Kong it is less than 2 hours, from Singapore it is 3 hours, and from Europe it is basically 20 hours. Once you are in Asia, sitting in the China Sea, Manila is at the center. Trips to Hong Kong, Singapore, Thailand, Viet Nam, and Indonesia are quick and easy from Manila.

Manila is actually part of a major metropolitan area with an overall population of over 11 million people. So yes, it is crowded overall, yet, like all major cities in the world, there are areas within the metropolitan area which are quite diverse from one another.

Depending on one's retirement income, retiring foreigners tend to favor either the upscale, highly westernized Makati, Ortigas/Mandaluyong, or Alabang areas. These areas have all the amenities westerners are accustomed to, including all the biggest and most upscale shopping malls in the country. Makati is the financial hub of the Philippines, and it is full of western style upscale condominiums with all the latest amenities.

For those wanting an upscale, big city living, with access to the best entertainment, sporting events, unlimited shopping options, and most westernized lifestyle, within easy reach of foreign destinations, Manila is your best choice. The downside is that it is the most expensive than Cebu City and Davao City.

CEBU CITY

Cebu City is located on the island of Cebu in the chain of islands known as the Visayas. It is more centrally located in the country and is a domestic trading and transportation hub. It is much smaller than Manila, with a population less than 1 million, yet its people have a higher per capita income level. It is very pro business, and a more efficiently run city than Manila. It is very progressive and has become a large center of commerce. It has aggressively expanded its airport, which does receive certain direct international flights, though few in number.

Cebu has a large population of foreign retirees in relation to its population. Foreigners are drawn to its abundance of beaches and resorts. It is a beautiful city, surrounded by mountains on one side and the ocean on the other. Like Manila, it too has its upscale, modern shopping malls, casinos, and a great night life. Being a smaller city, getting around the city is much easier. It is now only beginning to see construction of high rise condominiums, which are abundant in Manila, and a favorite of western retirees.

Cebu has great medical facilities and it has just recently launched an effort in conjunction with the national government to further develop Cebu as a major medical tourism and retirement center for foreigners.

All in all, it has most of the westernized benefits of Manila, yet a lower cost of living, combined with the presence of many, many beautiful white sand beach resorts. Those who love living near the seaside, have interests in diving and other water sports, yet like the efficiency and amenities of a smaller modern city, then Cebu City would be your choice.

DAVAO CITY

Davao City is THE city of Mindanao, and by square miles it is the second largest city in the world. Its population is approximately 1.4 million. Located on the southern of Mindanao, it is the most rural of the three major urban cities, and it has the lowest cost of living. So, if you enjoy the lifestyle of a large city, but have limitations on your cost of living, Davao is the place for you.

Davao City does not get large numbers of foreign travelers, yet for those seeking outdoor adventures, the options are plentiful. Living in Davao is a bit like living in both an urban and a rural city, as the city has modern shopping centers, upscale gated communities and hotels, yet living there you become deeply rooted to the land outside the city. Just outside the city is Mt Apo with forested slopes and abundance of hiking opportunities, and located on a gulf, it is only a short boat ride to white sand beaches. Most of the land outside the city has been turned over to massive plantations growing pineapples, bananas, and other citrus. The city has a new, great world class golf course, and low rise condominiums are newly being built. It has committed itself to the development of a world class medical center, and is aggressively pursuing medical tourism.

In conclusion, it has been my experience that for a person who wants to retire in a major urban city in the Philippines, the choice between Manila, Cebu and Davao usually comes down to one's pension and/or other monthly retirement income. Manila is the most expensive, Cebu is next, and Davao has the lowest cost of living. Manila is the most cosmopolitan, and the Davao the most rural. All three are attractive spots for a foreigner seeking retirement in the Philippines in an urban environment.

Sunday, November 28, 2010

How To Get A Cheap Airline Ticket to Philippines

If you are getting tired with the same old vacation destination where all you can see are structures, architectures, statues, and paintings, then it is about time to bring yourself to something different. It is about time to visit the exotic and tropical island of the Philippines.

The Philippines is culturally diverse with different languages and color. You suddenly begin to realize that there is more to the Philippines than it more than 7,000 glittering islands in the Pacific.

Taking you to the far eastern side of the world would bring you the one of the most enchanting places you would ever see with several islands waiting to be explored at minimal prices.

Craving for something different would mean booking your airline ticket at this tropical country that showcases one of the best beaches in the world and some of the best diving spots that one can ever find with its deep marine sanctuaries.

But why go to the Philippines if you can get the sun, beaches, and diving spots in the Caribbean or Miami perhaps? Aside from getting cheap airline tickets that will fly you to the best places in the Philippines, there are numerous domestic flights that could take you anywhere closer to the exotic and remote beaches of the islands with your cheap airline tickets to the Philippines.

Cheap airline tickets to the Philippines can be acquired through several online and offline travel agents, airline companies, and cheap airline ticket sites. Once you have arrived, in its mainland, you are greeted with the warmest welcome from the locals who are all to glad to see visitors from anywhere...CONTINUE [http://airline-ticket-guide.useful-tips.com/11/how-to-get-a-cheap-airline-ticket-to-philippines]

Friday, November 26, 2010

Is Philippines Property Investment the Best in the World Today?

So where in the world is the best place to invest in a holiday and or investment property today? Some people say that it is the magnificent Philippines islands.

Being an archipelago, the Philippine islands have a lot to offer in terms of natural resources. Its 7,100 islands boast numerous white and black sand beaches, making it eminently attractive to vacationers and tourists. The fantastic marine biodiversity affords abundant species of flora and fauna and a range of tropical wildlife.

The Philippines is widely recognised as "the Pearl of the Orient Seas" and is situated 750 miles off main land Asia where many of the main islands have beautiful weather, pristine beaches and frills of modern living.

The Philippines is not only the "Pearl of the Orient Seas" in terms of a popular global tourism destination but this archipelago has also emerged as a serious holiday home and investment location within Asia attracting many investors from America , Asia, Europe and the Middle East who are investing in Philippines property and property values have been steadily increasing year on year.

"The Philippine real estate market has experienced a nominal year-on-year growth of 10 per cent for the last five years, despite recent events affecting the global property market" said. Tuano, who is also the chairman of the Philippine Business Council, Abu Dhabi, spoke to Khaleej Times ahead of next weekend's Philippine Property Show, which is being held for the first time in Abu Dhabi.

Philippine Real Estate Market Buoyant Despite Global Crisis
Olivia Olarte 25 September 2009

One of the fasting moving emerging destinations in the Philippines is Palawan which has the "best beaches overall in Asia" according to Conde Nast Traveller and National Geographic

Banyan Tree the well known a high end luxury resort company have committed over $70m on two islands in Palawan, meaning the region will gain further exposure and interest from visitors and property investors alike.

One very notable new beyond eco resort development in Palawan is Cacao Pearl.
A fantastic private island resort which will be home to a selection of custom designed and totally unique villas, beachfront or hidden within the rainforest, all the residence will provide an opportunity of Private Island living without the large cost.

Award Winning
Cacao Resorts has been recognized by the CNBC International Property Awards with a prize for the best accommodation in the country for Cacao Pearl, adventure private island in Palawan.

The private island lifestyle offers something completely unique, it is impossible to replicate, and more convenient. A unique experience is nothing compared with the feeling that somewhere tropical, with only a select number of lucky people who all enjoy an exclusive experience.

It isthis future-oriented lifestyle and experience the tropical island, investors are gaining more and more people and things in the Philippines and in our opinion one of, if you search for a tropical climate, adventure and luxury with an excellent return terms of the rental income and capital growth then even in the Philippines are the best place to buy property around the planet on the day.

Wednesday, November 24, 2010

Discovering the Beauty of the Islands of the Philippines

The Philippines, commonly known as the "Pearl of the Orient" is an archipelago of 7107 islands with a wide variety of great destinations considered by many as paradise. From the hustle and bustle of the great city of Manila to many of the true white-sand beaches and virgin forests scattered throughout the islands, it is a place where everyone can find something that can suit their taste.

Discovering the beauty of each of the islands is a task that may take a lifetime but if you know what you like then you can choose from any of the destinations below that suit your particular needs and taste. Whether you just a tourist looking for the good old souvenirs or the adventurer seeking to find the next new place to discover there is something for you.

For Nature Lovers.

Nature has blessed the islands with a variety of natural resources and this includes virgin rain forests, indigenous wild life and scenic locations. If you are fond of nature then you have many choices to places to visit, from Zamboanga in the south to Vigan in the north.
For the wild life enthusiasts you can go to Davao where you will find the endangered Philippine Eagle, or to Donsol where the famous giant whale sharks ply the local waters, and perhaps take a dive in the waters of Puerto Galera which is home to some of the best coral reefs anywhere in the world.

For the scene lovers, take a trip to Palawan where scenic rock formations, underwater rivers and magnificent caves are abundant. Another place you can visit is Albay which home to the Philippines most active volcano Mt Mayon, a volcano with a perfect cone that has erupted over a few dozen times in the past century. Pagudpud in Ilocos north of the Philippines offers some of the most scenic and panoramic views on the islands which include the Mabogabog Falls and Saud beach.

For the Beach Bums

If there is one thing that Paradise Philippines is famous for it is the great number of sandy white beaches that are scattered around the thousands of islands. From the popular beaches of Boracay to the hidden beaches of Palawan there are literally hundreds of beautiful beaches to visit. A plane or boat ride away from Manila you can travel to any of the paradise beach locations in the Philippines.

A few of the best beaches in the

Monday, November 22, 2010

Philippines Packaging Tips

If you have ever traveled, you know that packing for a trip, the time for consumers and perhaps a scary ordeal. If you are a distance, in some exotic country, increasing the pressure really travel.

But have no fear. Today I give you a list of articles in the Philippines, you should think about packing for your next trip. The last thing anyone wants is not just a vacation on a bad note. A tip pre-visit is the climate for the area (s) you would consider visiting. L 'Philippines> is a tropical paradise, but the climate varies from region to region.

short list of some good things here for a vacation in the Philippines:

1. Light cotton shirts (to be comfortable).

2. Tank tops (again, comfort is key).

3. Shorts and jeans (mixture for climate change and activities).

4. Camera with extra memory cards (all captures).

5. Power

6. Protection against insects (especially if you need aparticular type / brand).

7. Sunglasses

8. Tagalog phrase book or cheat sheet.

I would also recommend a bag for extra salt, so you have room for souvenirs. He wants to bring in any case, things at home. In the Philippines, call them gifts pasalubongs.

While most Filipino English (less in more remote parts) to speak, knowing that only a handful of the most important phrases in Tagalog (the language) allows you to blend in more (they will appreciate it) andYou can navigate better. There is no need to learn any language, but to bring at least one leaf with 15-20 phrases / words on them.

Saturday, November 20, 2010

Cebu City, Philippines - The Good, The Bad and The Ugly

A tourist visiting Cebu City for the first time may well be turned off by some of the city sites. The city has several world class resorts, hotels, beaches and dive sites. It also has some areas of the world's most devastating poverty. Cebu City is the capital city of the Cebu Province and it is the second largest city in the Philippines following Manila. I always feel at home in the city and lived in the city before building my home in the rural Cebu Province of Camotes Islands. Cebu City is a mix of the old and new, rich and poor, good and bad and pretty and ugly. There is also the mix of clean and really dirty or filthy. The rule for anyone going to Cebu for the first time is to not make a snap judgment.

My first trip to Cebu City was in February 2004. I went to the Philippines to meet a girl (Judith) now my wife. I flew into the Cebu-Mactan Airport and was met by Judith and one of here sisters. My flight started in Florida and the last leg of the flight was from Hong Kong. The Cebu International airport is just a little outdated, but very functional. Once outside of the airport doors I saw waves of people waiting to meet people coming off of the flight from Hong Kong. The airport was not all that busy when I arrived and I think my plane was the only arriving flight at the time. As people from my flight walk outside of the airport door they were bombarded with shuttle, taxi and V-hire greeters, all trying to get a fare. I met Judith just outside the airport doors. She, her sister and I all jumped into an old Kia Taxi and we were off to my hotel.

The taxi was old and not very well maintained. The Air conditioner didn't work and the window wouldn't go down. Of course that didn't matter as I couldn't close the door because the door latch was broken. So, I got lots of air. The hotel was about a 30 minute drive from the airport. As we traveled the city streets I saw crowded sidewalks made even more crowded by the many sidewalk vendors and street vendors. Some of the roads we traveled were moderately maintained while others were in very poor condition. The roads were crowded with many types of cars, but mostly Kia's and Hyundais. There were also a lot of Jeepneys, a Philippine traditional method of travel. A jeepney looks like a stretched army jeep with a hardtop and a large cargo area used for two benches for passenger seating. Jeepneys are normally painted with several different colors and lots of chrome. Many of the jeepneys are poorly maintained and most have bald tires and the braking systems may be questionable. Also, there were lots of small motorcycles.

After traveling just a few minutes I decided that the most dangerous vehicle in Cebu was the Jeepney, the Taxi and finally the motorcycle. The jeepney drivers tend to rule the road and stop on either side of the road to pick up or drop off passengers. I saw many jeepneys cut both lanes of traffic off just to drop off people and then saw others swerve quickly to the side of the road cutting off traffic so the driver could jump out of the jeepney to urinate along the side of the road. Taxis are no better, but pose a slightly smaller threat because the vehicles are smaller than a jeepney Motorcycles seem to be a danger only to the motorcycle driver and passengers and anyone walking along side the road or on the sidewalk. Motorcycles make their own traffic lanes on whatever little shoulder the road may have to offer or sometimes drive on the painted divider line as a narrow roadway to make an extra traffic lane for themselves. At other times I saw motorcycles throttle down sidewalks weaving around pedestrians. Yet, the pedestrians seemed little concerned of the carelessness and just continued on their way.

As we continued on our way to the hotel we drove through many different areas of the city. Some areas were very old and the buildings looked as though they were ready for demolition years ago. Many buildings and store fronts are concrete with plywood or corrugated steel sheets added to broken windows and steel bars cover the window or plywood. I can't imagine what would be worth the cost of the steel bars as the buildings were so poor. I was sure the contents within were no better. I noticed several small store fronts with one big open widow covered with chicken wire. These little stores are about the size of a small closet and there are dozen of these little stores on every street. They are called sari-sari stores and sell just a very few items such as canned fish, rice, snacks, cigarettes and so on. Most of these little stores are attached to the front of private houses and are crudely constructed of unpainted plywood and tin roofs. Most of the Sari-sari stores block the sidewalk, forcing people to walk on the road to get around the protruding plywood box. Other Sari-sari stores have a small table or tables along the narrow sidewalks for their rum buying customers and a karaoke machine assist in blocking the sidewalks.

In many of the old areas the sidewalks are filled with vendor's shacks, tents or some other type of hurried shelter to sell goods. The sidewalks belong to the vendors and the pedestrian is left to find his own way around the ugly obstructions. These small vendor shacks on the sidewalks block the store buildings behind and I still wonder why the store owners allow the vendors to block their stores. The old neighborhood streets and sidewalks in most areas are filthy. Trash is all over the streets, chickens are tied to utility poles or street signs as well as dogs. Many of the old homes along the city's commercial streets may or may not have running water and a sewer system. Many people use the streets and sidewalks as their bathroom and even bath on the sidewalks. The infrastructure of the old neighborhoods is almost non-existent. There is poor drainage, poor sewer systems, and electric lines hang low to the ground with hundreds of wires attached carelessly to a single wimpy pole. I often wonder how trucks make it under these wires without hitting the wire. In many cases the bigger trucks do indeed hit the wires and knock out power to large section of the city.

The one thing that stood out for me as we past by all these areas in the taxi was the people all seemed happy. Despite, what I saw as great poverty and terrible living conditions, these people, or least many people were happy. Although, most of the people I saw were rushing down the sidewalks going about their daily routine. I thought these people are doing the same thing as other people do in any major city around the world. Yet, my first visit in Cebu City opened my eyes to the fact that at the very least, the city was poverty stricken or had a large population that lived in poverty.

After about 30 minutes riding in the taxi we came into a much nicer area of the city and there like an oasis in the middle of all the poverty was this beautiful Hotel and a large modern shopping mall next to it, as well as several large modern well maintain high rise buildings. The scene was a stark difference to the old areas of the city. This area could be found in any modern US city and looked very much like a commercial area of a US city. The area is called the Ayala Business Park and the Ayala Mall. This is modern Cebu City and it is everything you would find in any modern city.

Once at the Hotel, the Marriott, I checked into a very nice room and we all went to the dinning room for a pleasant lunch. Soon after that it was just Judith and I as her sister went home. Judith then took me across the park to the Ayala Mall, just a five minute walk and once inside the mall I was amazed. The stores were the same as in the US, Ace Hardware, Levi, MacDonald's and so on. Plus, several Philippine Department stores and many different types of restaurants and coffee shops. All the store clerks and sale people spoke English and most all the Filipinos walking through the stores were speaking English. Others used a mix of English and their native Cebuano. All the store signs are written in English and the restaurant menus are written in English. In many ways I felt as if I just traveled 20 plus hours from Florida to be in a US city.

Although there were many other foreigners in the mall many Filipinos walking by asked where I was from and in general everyone was very friendly to me. While at the mall I bought a few souvenir type things to take home and Judith and I just did a lot of window shopping. I was happy to see the prices of most things in the stores were very cheap compared to the US. At that time one US dollar bought 56.00 pesos. Today it's one dollar to about 44.00 Pesos. Still a good deal, but today I'm careful in my spending. By the middle of the afternoon I was ready for some sleep after my long flight to Cebu. Judith went home and I retired to my hotel room.

The next morning Judith was at the hotel bright and early and we had breakfast at the hotel and then off to see the city and some of the beach resorts. Cebu has wonderful and beautiful resorts and all very affordable. The resorts are all well maintained and modern. The biggest population of customers at the resorts are foreigners and the staff Filipino. I quickly change my opinion of the city from a poverty stricken third world to a modern commercial and tourist city with a few old areas that needed a lot of help.

During my trip to Cebu we went into the old area of Colon. Colon is the oldest street in the country and has several landmarks. However, Colon is a dirty area of very old and poorly maintained buildings. Prostitution is a major problem in the Colon area as is street crime. There are some wonderful markets and great bargains to be found in Colon, but not an area for the new tourist to wander alone. Hotels can be had for a really cheap price in Colon. Some just $20.00 a night, but these hotels cater to those picking up street girls and both the girls and the rooms are really dirty. Last year Judith and I stayed at two different Colon Hotels. We went into the city for our monthly shopping trip from Camotes Islands. We decided to try the hotels as they are cheap and close to many of the outside markets. I would never stay at either of these hotels again. The best words to describe them is old, filthy, rat infested and full of prostitutes. Both of these hotels seem to cater to single foreign men and any girls the men may find at the Colon bars or on the streets. The area has several little Bikini type bars with Bar Girls (Prostitutes) also called GRO's. Unless you are looking for a prostitute there is little reason to go to Colon after dark and even then one needs to be very careful. This is not intended to say that all of Colon is bad. There are some nice stores and restaurants in Colon. I enjoy shopping in the Colon area, but one needs to use caution in Colon.

During my first visit I saw most all the areas of Cebu City and felt safe at all times. Of course we didn't go into the old parts of the city after dark. Rather we were at the resorts or around Ayala Park and these are all very safe and enjoyable areas.I would recommend Cebu City to anyone that wants to go to a great resort and spend time on a beautiful beach, go diving, take a boat tour of the outer islands and not spend a lot of money. There is just so much to do in Cebu City and so many great things to see. Staying at any of the resorts is very affordable just about $60.00 per night and some as high as $250.00. Dinner at restaurants is also very cheap. Meals at nice restaurants can cost just $10.00 to $20.00 for two people, I had a wonderful time during my first visit. However, I had Judith as my tour guide and as my girlfriend. I'm not sure I would have liked Cebu City as much as I did if Judith wasn't with me during the first trip.

Soon after my first visit to Cebu City I moved from Florida to Cebu City in 2004. By this time Judith and I were engaged to marry and I wanted to live in Camotes Islands. However, we decided to live in the city while looking for land to build a house in Camotes. Camotes Islands are a rural province of Cebu and just two hours from the city by boat. We rented a brand new two bedroom house in the Lahug area of Cebu City. The monthly rent was just $125.00 plus our TV cable for about $15.00 a month. The house was located on a hillside overlooking the city and close to everything we needed. Lahug is a very nice area and now there are many new housing sub-divisions built in the area. Our monthly budget while living in Lahug was approximately $700.00 and that included the rent, utilities, food, taxi cabs and even lots of dinners at restaurants and entertainment. I assume if we still lived in Lahug the budget would be just a few more dollars a month.

Within just a couple of weeks after moving into the Lahug house I felt as if Cebu was my city and I really enjoyed the city life. The city has many things to offer the foreigner and the city is always trying to attract more foreign retirees. It truly is a foreign (expat) friendly city. The largest group of foreigners in Cebu is Korean then Americans, Australians, British and Japanese. There are no racial tensions or problems in the city that I am aware of and the city is very safe. However, like any major world city there is crime, but using common safeguards and precautions one can have a happy life in Cebu City. Driving in the city is something I have never attempted and I don't think I ever will drive in the city. The taxi cabs can get you almost anywhere in the city for $1.00 to $2.00 and that's fine for me.

Shopping in the city is great and there are products from all over the world in Filipino stores. Many food stores stock western brands so you will never get homesick for your favorite foods from home. The outside markets, located all over the city offer great bargains and it's always fun to negotiate prices with the vendors. Cable TV is available in the city and it offers many American shows and news programs. You can go to the movie cinemas and see a new release movie for about $1.00 and the popcorn is just a few pennies. The city has grown since I moved to the Philippines. There are many new gated housing Sub-Divisions that cater to foreign buyers, new high rise condo buildings and the resorts all continue to attract foreigners. The two major malls in the city, Ayala and SM are both expanding. Many of the roads have been upgraded as well as the infrastructure in many areas. The city is a major draw for tourism and is always attempting to bring in more tourist and more foreign retirees.

Any expat on a monthly pension of about $1,000.00 can live like a king in Cebu City. You can live on less than $1,000.00 but I think $1,000.00 is the right figure if you include saving a little each month for emergencies, trips back home and medical needs. The city has very good hospitals and medical cost are much less in the Philippines. Good dental care at very reasonable rates is also available in the Philippines. Many people go to Cebu for medical or dental vacations. Just remember, if you think you want to move to Cebu City do your homework. Do you want to live in a new country? do you want to be separated from your family and grandchildren?, if you are married how does your wife feel about living in Cebu? If you have young children do you want them to live in a new country and what about their education? Do you have the patience and understanding to learn and live in a new culture? Do you have the money to live a good life in Cebu without the need to find work? Do you have enough money to cover any type of emergency that may require five to ten thousand dollars? Finally, what is your reason for wanting to live in a new country? If you can be honest with yourself and have a positive answer for the above questions, then maybe Cebu City is for you?

Remember too, The Philippine economy is struggling. Filipinos with four and six year college degrees are driving taxi cabs or working as store clerks. Unemployment in the country is through the roof. Poverty is a major issue in the country. For all the beauty of the Philippines Poverty continues to destroy many Filipinos and their futures and creates an ugly face to an otherwise beautiful country. Just this week on November 8, 2007 an 11 year old girl in Manila living with her mother, father and little brother in a shanty town hung herself. The reason left in a note from the little girl was because of the poverty she and her family lived. The father not able to find work for months and the mother working for just $1.00 a day. The little girl had just the night before asked her father for P200.00 for a school project. The father did not have the money, just under $4.00. All the girl wanted was to finish school and buy a new bike. A simple dream complicated by severe poverty in a country struggling to overcome political corruption and theft. Please remember, what you may spend in just one day in the Philippines is what a Filipino may have to live on for a month. Poverty does indeed take lives.

I truly love my lifestyle in the Philippines, but it took some time, patience, understanding and a few sacrifices to live in the Philippines. I made several mistakes before coming here and a few since living here. I didn't have enough money when I came here in 2004. I've made a few trips back to Florida to do some contract work and then returned to my beloved Camotes Islands. I'm currently away from home on a teaching contract. However, for me, it's worth the price to have just a few months a year in my paradise called Camotes Islands, Cebu, Philippines. I think anyone looking for a great vacation will enjoy Cebu City. Those looking to retire on a modest pension can live well here, but just be sure living in a new country is right for you. Before making a decision to move here it's wise to come on a vacation first and see the city for yourself. Then you can decide if this is the life you want. Once again, for me this is paradise.

Wednesday, November 17, 2010

Why Retire in the Philippines?

If you are reading this article, I assume you have already recognized there has rapidly developed over the past 10 years an extreme difficulty in creating a retirement life in your home country. The problem has only become greater over the past two years, as we have all witnessed the world economic collapse. As retirement assets have been hard hit or completely disappeared, people are looking for a place where they can have the retirement they have dreamed about all of their life. Increasing more so, people are looking to Southeast Asian countries as an answer to their needs.

There are many reasons to focus in on Southeast Asia, the main ones being:

1. Retire twice as rich and five times happier
2. Escape those cold US, Korean, Japanese and European Winters - how about winters like Hawaii or Florida?
3. Escape the rat-race America and the UK have become - how about a place where things move at a slow pace?
4. Have 2 maids and a driver
5. If your retirement income is not enough to provide a retirement with dignity and financial freedom to have fun, what would it be like to wake up every morning and go to bed every night free of frustration and anxiety over money?
6. Live healthier with less stress
7. Live with a beautiful and exotic lady - how about a beautiful Asian who completes you rather than competes with you?
8. Start you own business - after working for someone else all your life, wouldn't it be fun to start you own business in a beautiful tropical paradise, at a fraction of the cost of starting a business in the USA.
9. Travel and make life one big adventure - location, location, location!
10. Reinvent yourself - it is never too late to start over again in the game of life and really start having fun for a change.

Any ONE of the above is reason enough to consider retirement in the Philippines.

Now, assuming you have one or more of the above reasons solid in your mind, why the Philippines?

1. English language - this is at the top of the list, especially for Americans and Europeans. Also, if there is a second language learned by Koreans and Japanese, it is English. Filipinos are fluent in English, and English signs are prevalent everywhere you go in the Philippines. You will feel very much at home speaking in English.
2. Korean and Japanese language - with the large increase in visitors from Korea and Japan over the past several years, more Filipinos are also becoming fluent in these languages.
3. Food - The Philippines is heavily influenced by Western culture, and you will find American and European food everywhere. Further, local Filipino food is well received by foreigners. It makes heavy use of seafood, chicken and vegetables, and is extremely inexpensive.
4. Transportation - The Philippines is an island nation of over 1,700 islands, yet transportation to all the significant population centers is readily available by cheap and high quality air travel. Airfares are downright cheap compared to the Western world.
5. Cost of Living - As a general "rule of thumb", you can retire in the Philippines from one-fourth to one-fifth of what it would cost you for the same retirement lifestyle in your home country.
6. The People - out of inbred politeness and restraint, Filipinos are very tolerant of foreigners. In a dispute situation, they will go out of their way to avoid any direct confrontation. Of all the cultures I have experienced, the Philippines has been the most inclusive and open.
7. Communications - The Philippines is the "text messaging capital of the world!" Cell phones are used by nearly every Filipino, and cellular support systems are in place in all but the most remote areas of the country. Internet cafes are widespread, and DSL service is readily available.

Tuesday, November 16, 2010

How to Live in Luxury in the Philippines on a $2,000 Monthly Income

Do you envy the life of luxury being enjoyed by people in developed countries, wishing you too could life such a life but lacking the $10,000 of monthly income needed for such a life? Well, I challenge you to consider living in the Philippines, either on a full or part time basis. Retirement is not a matter of age; it is a matter of having enough ongoing income. With a $2,000 monthly income (or pension or annuity), one can truly live a life of luxury. I present how this is done and list the primary expenses of living in the Philippines as a foreigner.

#1 DO NOT LOCATE YOUR RESIDENCE IN MANILA.

Manila is a bustling and exciting city, but full of congestion and expensive real estate, much as any major city in the Western world. The further one gets from Manila, the lower the cost of living accommodations. Of course, there is always the trade off of the more a remote location you to, the less comfort and Western world amenities will you find.

For this reason, I always counsel people to consider the major secondary cities of Cebu or Davao, or the Subic Bay area, or resort or university communities such as Baguio, Dumaguete, Tacloban, and Cagayan De Oro. The cost of housing in these areas is substantially below Manila, yet they have readily available air access in and out of the community, and because foreigners tend to favor residing in these areas, there are more upscale housing accommodations to select from.

The two cities with the most luxurious amenities for a Westerner, outside of Manila, are Cebu City and Davao City.

In these two cities you can expect to pay from $300 monthly for a small apartment to a high of $800 monthly for a luxury house in a gated community with a swimming pool. A similar rental in the USA would could about $3,000 to $4,000 monthly. A similar house in Manila would cost about $1,500 to $2,000 monthly, or more, depending on the location in Manila.

#2 HIRE A COUPLE OF MAIDS AND PERHAPS A DRIVER.

For the luxury life, you will want a couple of maids, one to tend to the cooking and shopping, and another to tend to the laundry and house cleaning. They will do all the grocery shopping (at a lower cost than you could ever get), wash and iron all your clothes, and have your favorite food ready for you at each meal. A real luxury which is completely unaffordable in the Western world on $2,000 per month. Two maids would cost less around $100 to $120 monthly.

A driver would probably be desired should you choose to purchase your own automobile. While living in Cebu City a few years ago, I had a new vehicle that I drove myself, but I found quickly that by hiring a driver for $80 a month, the vehicle was always kept in immaculate condition, and I had someone to tend to the vehicle while I was at restaurants, shopping, or at business appointments. I never had to worry about where to park the vehicle or petty theft or destruction of the vehicle. While living in Butuan City I tend to not use a personal vehicle as much, but I have found it still worth having a driver.

#3 PURCHASE A GOOD INTERNATIONAL HEALTH INSURANCE PLAN

With $2,000 a month income, I would not opt for local Philippine health insurance programs, rather I would purchase an international for foreigners living overseas. Depending on your age and any preconditions, a policy for which you would pay $500 monthly in the USA would cost you round $200 monthly.

#4 ALL OTHER ITEMS

With your housing, maid services, transportation and health care provided for with approximately $1,200 monthly, this leaves you $800 monthly everything else. Utilities (electric, water, phone, cell phone, high speed internet service and cable TV) will add up to around $150 monthly, bring the cumulative total to $1,350 monthly.

This leave $650 monthly for food, entertainment, fuel for your car, travel, personal care items. Groceries will be about $250 monthly, and fuel and personal care items might total $50 monthly, which leaves around $350 for meals in restaurants, entertainment and travel. Eating dinners out a couple of times a week and monthly entertainment would cost around $200 monthly, so you would still have $150 monthly of excess funds for savings.

CEBU CITY OR DAVAO CITY - WHICH TO CHOOSE?

Each is different from the other in many ways, and Davao City living costs are less than those in Cebu City, so your lifestyle there can be even greater.

Cebu has a large population of foreign retirees in relation to its population. Foreigners are drawn to its abundance of beaches and resorts. It is a beautiful city, surrounded by mountains on one side and the ocean on the other. Like Manila, it too has its upscale, modern shopping malls, casinos, and a great night life.

Those who love living near the seaside, have interests in diving and other water sports, yet like the efficiency and amenities of a smaller modern city, then Cebu City would be your choice.
Davao City is THE city of Mindanao, and by square miles it is the second largest city in the world. Its population is approximately 1.4 million. Located on the southern of Mindanao, it is the more rural of the two cities, and it has the lowest cost of living. So, if you enjoy the lifestyle of a large city, and want more money in your pocket at the end of the month, then Davao is the place for you.

Davao City does not get large numbers of foreign travelers as does Cebu City, yet for those seeking outdoor adventures, the options are plentiful. Living in Davao is a bit like living in both an urban and a rural city, as the city has modern shopping centers, upscale gated communities and hotels, yet living there you become deeply rooted to the land outside the city.

The important thing in living in the Philippines is to do your research, based on your wants, needs and desires, and tie into someone who has gone before you and can provide you wisdom by guiding you through the array of questions and anxieties.

Thursday, November 11, 2010

Philippines Pamalican Iceland

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 enough to go tour the whole island in 3-5 hours.

If you think about the island on foot is boring, think again. The island has to offer so many activities like scuba diving, snorkeling, fishing, sailing, windsurfing and beach combing. If you feel the romantic atmosphere, try to arrange an appointment with a barbecue or simply pack your picnic basket and make a picnic on the nearby island. You can also indulge in the island of casitas (bungalows) which iswith a personal buggy. So if the leave is what you have in mind, always Pamalican Iceland in the list of destinations in Asia.

Monday, November 8, 2010

What's popular tourist attractions and activities in the Philippines?

Beaches

Philippine beaches are some of the best in Asia, with nearly 60,000 km of coastline, there's plenty to choose from. They are the best in the Visayas island chain that stretches from the southern tip of Luzon to Mindanao to be known to, and contains the largest islands of Samar, Leyte, Bohol, Cebu, Negros and Panay, and hundreds of islands temptation Pint in size between the two. The most famous island is set whioleBoracay small, beautiful island vacation, but expensive. Visayan islands are silent, just as beautiful Romblon, Bantayan, Panay, Bohol, Malapascua and Panglao, all offer the perfect combination of comfort, the soft sand, a good selection of villas by the sea and the fishing village of laid-back .

Diving

With all that incredibly clear tropical water, is that it is not surprising that the Philippines is a major Asian destinations diving. Some ofthe richest coral reefs in Boracay, Palawan and Mindoro, but there are also spectacular underwater walls, coral cliffs and arches in Moalboal on Cebu and hammerhead sharks and manta rays in the vicinity of Cabilao and Panglao island, Bohol.

Manila

Cursed with the traffic and pollution, Bangkok seems to be doing as a nature reserve, Manila is one of those cities that should be quickly between flights or sea routes. You can be happy, though, with a visit to China inCemetery - it is literally a ghost town, with roads and two-storey houses for many of them covered with kitchens, bathrooms, electricity and air conditioning. Elsewhere, shares of Intramuros, connecting the old town, dating back to the sixteenth century and the early years of Spanish occupation and museums in Rizal Park, the focus on indigenous peoples, including the Ifugao and colonial history. Otherwise, Manila best shopping and drinking, with huge shopping malls in everyDistrict, a vibrant nightlife and trendy in Malate.

Puerto Galera

With fine beaches, thirty of the most important dive sites on a reef rich in marine animals so that the UNESCO World Heritage Site, and a lot of cheap accommodation. Puerto Galera, on the north coast of Mindoro is the perfect beach break away from Manila

Banaue

This small city in northern Luzon is situated in a breathtaking landscape of mountains, steep valleys and breathtakingbeautiful amphitheater of terraced rice plastic. First cut from the hills 2000 years ago by the Ifugao tribe, whose descendants still live in the area, the terraces are so spectacular that it has declared a World Heritage Site. To the best of nature, follow the path from the traditional village of Batad Banaue. The bus ride to Banaue is a scenic highlight in itself, as along the Halsema Highway, one of the most impressive streetsSouth East Asia.

Palawan

with peaceful shores, dense rock and a beautiful rugged nature, the large, remote island of Palawan is probably the most rewarding destination in the Philippines: Ornate noting. lack of a tourist who has everything, its snow-white beaches in El Nido , Taytay, Port Barton and Sabang Roxas, unparalleled diving in El Nido and Tubbataha Reef Marine Park, walking through the jungle intact tribal culture, e. EThere's also the famous boat ride eight kilometers through the ghostly caves infested with bats of the underground river in the cave of St. Paul

Sagada

The charming mountain village in northern Luzon is the home of the Igorot tribe, are famous for their hanging coffins - are upside down in caves outside of the scope of wild animals - and their textures. There are numerous hiking trails around here, and very bohemian atmosphere of the village, allwhich is a very nice place for a few days of rest.

Siargao Iceland

Kayak is the perfect way to explore the beautiful beaches of undeveloped island off the northeastern tip of Mindanao, with its hidden coves and hidden lagoons and tranquil white crystal. They are supported by good navigation and a rustic, full of coconut trees and small villages

Camigun Iceland, Northern Mindanao

Famous for its exceptionally sweet and juicy Lanzone(Lychee) fruit, a small jewel of an 'island offers many varieties, including sugar-beaches, seven volcanoes, extraordinary trekking and mountain climbing, hot springs and waterfalls.

The rapids in Pagsanjan Falls

The scenery along this stretch of the river Bombongan exceedingly important, and it's a real thrill of the fourteen race fast, how to squeeze between the walls of the canyon jungle. If you get a sense of deja vu, it is becausefinal scenes of "Apocalypse Now" are registered here. This is a day trip from Manila extremely popular, but you can stand out from the crowd and not in the vicinity, and within the original boat in early morning to avoid the trainers step up. Be careful though, as the campaigns here, the most aggressive of the country

Thursday, November 4, 2010

Philippines the most exotic destination - Boracay in August

August is the peak of the rainy season in the Philippines, but it was great for us this time. Bright sun, less rain for our visit in December 2008 in comparison, but much stronger wind. Accommodation prices are cheaper and less people around. This promotes the annoying but the mass makes it less cumbersome. We found a nice comfortable place with air conditioning overlooking the beach for 1,500 pesos per night and an even better place to go for 1000. Kiteboarding / Surfingcompleted on the white beach this time of year, great to watch.

Station 2 north of D Mall is always our favorite part, and once again was great. Unfortunately, the Café del Mar was almost closed by wind-breakers up to 20 feet, but next door is Ti Braz excellent starting point with a fine French cuisine, and the best beach chairs / loungers. Also next door is a cafe that this small Mediterranean strip is the perfect choice for those who love the atmosphere of the medand good food, like pasta, kebabs greek and French cuisine. Prices are also cool.

The best place to eat was cocunut Red (closer to the mall), the grid decent, good pizza and chicken adobo excellent. Smoking in D Mall was great for reasons local food, and Cindy next to the Ferris wheel has been even cheaper.

The worst was the food was in adobo Bar Rumba my partner really bad after eating something that looked like 10 cloves of garlic in their food. The Steak and Kidney PieIt was a joke too, a kind of sweet biscuits in a bowl of salsa and kidney is not good!

I do not know if we are lucky with the weather, but we added our three days, longer stays twice as many as 10 days in space, completes the absolute paradise!

Sunday, October 31, 2010

Philippines Attractions

The Philippines is a popular tourist destination in 1900, when the. It will continue to be colonized by Spain for more than three centuries and a community citizen of the United States for nearly five decades. Filipino culture, though certainly not unique and bear little resemblance to its Asian neighbors also have a strong Western streak.

After landing at the Ninoy Aquino International Airport, one would immediately feel the Philippines tropical climate. Philippinestypically has moderately warm temperatures throughout the summer season is as great as 35 degrees in some areas during the normal temperature of Metro Manila and many other areas are between 23 and 30 degrees Celsius. The temperature should be concern about all the area shopping and hotel accommodations are minimal air conditioning.

Filipinos are known to be recognized for their great hospitality. This hospitality is deeply rooted, especially in the provinceswhere families are welcome, inviting travelers to eat or a place to stay overnight. Filipinos are also relatively conservative, especially due to the strong influence of the Catholic tradition in a rural area reserved. These are not as strong in urban areas, where people are exposed to the west and believed.

Food from the Philippines is the traveler than make up the majority. This is mainly due to the spread ofmany kitchens in essence any store or restaurant food. Filipino food is perfectly roasted vegetables usually with coconut milk and various stews and soups, broth, sour represented. One of the most popular dishes of the Philippines is the Lechon, be it a whole cow, a pig or a chicken. Lechon is traditionally served at celebrations and festivals throughout the city.

The Philippines is the place to find the two World Heritage sites are popular, namely the Heritage Villagerice terraces of Banaue and Ilocos. It 'also known for its pristine beaches in Puerto Princesa and Boracay. The Philippines is also common for its numerous diving sites throughout the nation. The nation should provide virtually all the activities of a traveler, most of which are not far from Metro Manila.