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Philippine Living, Retiring & Investing Projects

1) Fact: the future for your retirement savings looks bleak
2) you want to know if there is a way to supplement your pension
3) you might even consider to move overseas

While most people do nothing else than sob and whine and wait for a miracle (which will never come), two expats in the Philippines are taking action.

Will Irwin and Chris Bech have lived in the Philippines for over 20 years ("been there, done that") and are the brains behind two investment vehicles for retirees to have an additional income every month; one is an organic farm and the other a retirement village. More projects are on the drawing board.

Will and Chris (both married to a Filipina) were able to create investment options starting at US$ 6,000 for individuals to 'unlimited' for investors. And through their contacts at high levels in both private- and government institutions they provide a tailor-made solution for anyone. Visa, paperwork, even construction matters; all is taken care of in their 'One Stop Shop approach'.

"Most people think that starting an internetcafe, running a boardinghouse or buying a condotel in the Philippines is profitable; well, it isn't." according to Will. "So we had to look for better options, and we found those at the island of Tablas which is booming and thus offers great investment opportunities."

Most development projects done in the Philippines are done by Filipinos who “think” they know the demands of foreigners, but they always miss the mark...

They mix-up 'tourists' with 'expats'; but not all expats like the 24/7 karaoke-pollution. Whenever we feel the urge to party we go to Boracay but where do we go for tranquil beaches and quiet nature? Tablas Island.

After living in the Philippines for 20 years now, we decided to develop our own Expat Retirement Villages combined with several possibilities for expats to have extra income.

We have the knowledge and ability to know- and relate to the needs and desires of foreign retirees to the Philippines.

We already bought, developed and sold a total of 80 hectares to (and build homes for-) about 100 people from Australia, Austria, Belgium, Bulgary, Canada, China, Denmark, England, France, Germany, Hungary, Ireland, Japan, Korea, Netherlands, New Zealand, Norway, Qatar, Romania, Switzerland, Sweden, Taiwan, England, Italy, Singapore and U.S.A.

The project we developed next (to provide people with an additional pension) was Tablas Highlands Organic Farm. This proved to be a great succes; within a few months we grew towards 130 hectare for organic agricultural products with a ROI between 33% and 50% (You can still join us while land-prices are low).

We personally own 40% of the stock in this project. Every decision is based not only on our responsibility to our investors, but also to the investment of our own personal funds in this project.

Plans for some unique resorts, retirement villages, condos and other developments are being worked out by us as we speak. You can join us; invest in our development company and/or buy a lot at Sunset Beach Villas (our latest project).

Our investors are provided investment options to fit their budgets - be that an installment purchase price or a discounted cash price.

How about investing $12,000 to have $500 income per month or $24,000 to have $1,000 per month?

Most development projects done in the Philippines are done by Filipinos who “think” they know the demands of foreigners, but they always miss the mark...

We have contacts (and complete support) everywhere in both Philippine Government and private sector; doors that stay closed for others, open for us to speed-up all paperwork.


For those who are not ready yet for action, we would like to send you our monthly Newsletter by E-mail; developments are going very fast now and you might be surprised with the innovative opportunities that are invented by people like you who join our group and share their thoughts...
 

After a year of thorough research we came to the conclusion that the best investment opportunities in the Philippines come together on the island of Tablas (Romblon).
Tablas is completely different from the rest of the Philippines, still undiscovered and sleepy.

'Do you hear the Silence?'

At this moment we are in negotiation with lot-owners and investors to build Philippine retirement villages for retirees from Japan, Korea and other nationalities.
Many people contact us also with the request to make a 'Retreat Center' at Tablas since it is the perfect place for a sabbatical, meditation.
Some 'Medical Tourism Clinics' here in the Philippines contact us to provide a relaxing atmosphere for their patients who have undergone surgery.

Making good profit is a matter of 'getting in on the ground floor of development activity' on Tablas Island which is very soon to boom.
(Just contact us if you want to join)
 

'Koreans built new roads around the island of Tablas (Romblon)'

Some Philippine retirement communities on Tablas are focussed on 'themes' like Spanish Villas or American style homes while other retirement villages are catering to Japanese, Koreans, Germans, Americans, Australians or other nationals.

One of our projects, different from the real estate projects, is in full swing already; growing organic agricultural products on a large scale. ROI is much higher, compared with any other way to invest money in the Philippines.
The Philippines has all that is required to produce extremely high yields in agriculture; what is lacking is mostly the implementation of the latest know-how and technologies.

First we invested our own money to buy 40 hectare agricultural land on Tablas and 'Tablas Highlands Organic Farm' (PhilAgriVest, Inc.) became fact.

Along the way others were - and still are - joining our group to invest money and/or offer their expertise. We bought another 26 hectare... and more... we now have 130 hectare agricultural land plus a few beachfront lots.

The Pili nut can give a ROI of 33% for more than 100 years. Coffee, pineapple, peanuts, honey bees and other organic crops can give a ROI of 17% year after year after year. Combined, Tablas Highlands Organic Farm can yield a ROI of 50% annually.

PhilAgriVest, Inc shares are backed up by a real asset - real land and improvements, not some "paper" vehicle.

Tablas is booming; it is happening as we speak, faster than we ever thought.
(Just contact us if you want to join)

Our latest project is Sunset Beach Villas on Tablas with the goal of providing a first class retirement community for 'foreigners' seeking an 'active' retirement community, one well within the budget limitation of a retiree on a pension.
 

Some locations have adopted the 'zero waste and zero pollution policy' to saveguard their environment so their future looks bright.

The Coming Real Estate Boom in The Philippines

While the USA and Europe are in for some nasty weather, The Philippines stays out of the storm.

Cash has always been King here so we never developed a 'bubble waiting to burst'.
Our economy is booming; tourism is increasing, OFWs (Overseas Foreign Workers) are ready to retire and invest here, the Philippine medical industry can now compete with any other country.

Why wait until the 'Big Developers' build expensive retirement villages?
We - the retirees - can do that much cheaper ourselves, and make it exactly as we prefer.
Why wait until the 'Big Developers' occupy the best beach lots? We have seen this in Boracay where the price of some beach lots have increased a hundredfold.
THAT'S where money can be made by expats like us.

Tablas Island is also booming so we are developing some resorts, retirement villages, condos and other projects complete with a medical clinic, free transport to/from the airport, recreation, fitness centers, maids, drivers, community centers, security, and all for 10% to 20% of what such villas would cost in the USA. And most important without the overhead costs of big developers. The people who live here will be in control. The perfect Philippine retirement hideaway.

Tablas Island is developing very fast meaning great appreciation of real estate prices (whether residential or agricultural land); also due to increasing (Eco-) tourism.

Make your move before the 'Boracay Effect' washes upon the shores of Tablas. Prices of real estate are still low.

At another beachfront lot (with elevated/overlooking cliff) do we plan to make a Rental Income Property. We will also offer homes for rent at Tablas; we offer to rent out - and generate income - your home to other expats.

We have identified some Philippine architects and contractors with a proven track record to serve the interest of 'us foreigners' and who build quality homes without overpricing.

For the same price as a condo in the Philippines you can have 2,000 sq mt beachfront PLUS a big house on Tablas...

We also have some other focus points:

• Golf course
• Marina
• Forest trekking
• Caving
• Kayaking
• Island hopping
• Yacht/boating
• Jet skiing
• Marine refuge & sanctuaries

Retire with Dignity

While in other countries one can get a notion of "Dispose of those old people", over here in the Philippines you still find respect and one can live like Kings and Queens on a pension which would be insufficient abroad.
Our planned retirement communities are focused on tranquility while simultaneously offering many activities and adventure.

Numerous retirement villas are in the planning stage, designed for expats like us, including a medical clinic, recreation, fitness centers, maids, drivers, community centers, security, and all for 10% to 20% of what such villas would cost in the USA.

Imagine all the above, in an environment like paradise; beach- or mountain view, fresh air, spacious...
One can always go to Boracay (30 minutes by speed boat) for 24/7 party and nightlife.

Foreign retirees in the Philippines are not necessarily 'old people'; there are a lot who 'retire young' to escape the rat-race and the cold winters.
 

How to join us and invest in the Philippines?

As investor you select one of the following options:
1) Those wishing simply for investing in shares of stock in the development corporation without the desire to build a home there.
2) Those wishing to invest in shares of stock in the development corporation and who would like to excercise an option to convert their investment to a lot at completion of the project. Since the market price to the public at time of completion will be very high and rising as we get closer to completion - you gain a significant "paper profit" at closing.

About Will Irwin

Author of many books about The Philippines and consultant for Samar, Romblon and Tablas retirement investment issues. As entrepreneur he started and operated businesses in the USA, Fiji, Papua New Guinea, Thailand and the Philippines. He knows all about the 'paperwork, laws and permits' concerning living- and doing business in the Philippines. Married to a Filipina for 20 years now, he provides assistance to entrepreneurs, Philippine investors and expatriates.
Over the years he interviewed hundreds of Non-Filipinos (Americans, Australians, Europeans; Expats) and is still doing so to add all information and tips to his books about:

About Chris Bech

A Norwegian real estate developer; his Filipina wife is a Realtor too. In Samar he bought a beachfront lot and shares his "little paradise" with other foreigners from all over the world. Over the years he bought, developed and sold around total 80 hectares to about 100 people from Australia, Austria, Belgium, Bulgary, Canada, China, Denmark, England, France, Germany, Hungary, Ireland, Japan, Korea, Netherlands, New Zealand, Norway, Qatar, Romania, Switzerland, Sweden, Taiwan, England, Italy, Singapore and U.S.A.. They all live in their own little 'summer getaways' or retirement community (click here). Now it's time to do the same on Tablas Island...and the local government gives full support.

Chris was able to bring some International Organizations in contact with Philippine Government offices and the projects that followed benefit local farmers, small business owners, the Philippine Tourism Industry and many more.  
 

Newsletter to Tablas Highland Farms Investors

July 2010 Issue

 
Great progress was made in July towards completion of the infrastructure (road network, drainage, and fencing, and completion of hill top guard houses) and the crops development plan at the Farm. The rainy season began in July, but by the end of the month, we were ahead of our schedule for infrastructure development. Now, we look forward to the planting of quick cash crops in August, from which we anticipate our first revenues and profits coming in November or early December, with the first dividend distribution to Investors scheduled for the December/January time period.

Following is a summary of major developments which took place in the month of July:

1. Fencing which began mid May is 100% complete.

2. Extensive road work continued in July, and we are now approximately 90% completed with that work. Lots and lots of gravel was purchased and laid on the new roads, and tons more of barb wire were purchased to complete the fencing. With the drainage, fencing and road work pretty much completed, we will be focused in August with continued planting of Pili nut seedlings and quick cash crops.

3. The comprehensive agricultural development plan which was completed in June (by the two agricultural consultants from the government assisting us with the project), was further refined in July by the identification of the cash crops to be planted, and the exact locations for planting of other midterm and long term crops such as pineapple, guyabano, and atis.

4. Planting of Pili Nut seedlings continued in full swing, with over 3,000 Pili Nut seedlings planted in July. In the last week of July, we received an additional 4,000 Pili nut seedlings, 1,000 guyabano, 2,000 pineapple, 1,000 rambutan, and 1,000 atis seedlings scheduled for planting in August.

5. Based on the finalized development plan, in addition to the 10,000 Pili nut seedlings we are focused on getting in the ground during August through September, we will also be planting the following cash crops in August and September:

Eggplant
Tomatoes
Beans
Cabbage
Carrots
Peppers
Corn
Lettuce
Broccoli
Squash
Peanuts

6. Our long term crops plan has been amended to include to the following, in addition to our Pili nut trees:

Papaya – which takes 12 to 18 months from planting to harvesting
Pineapples – which take 18 months to harvest
Rambutan – also long term
Lanzones – also long term
Lychee – also long term
Jackfruit – also long term
Coffee – which take 3 years
Chico – which take 5 years

7. The poultry farm building and related equipment arrived by boat in late June. However, we did not commence with construction in July, due to the arrival of the heavy rains. We have been awaiting completion of the road graveling work prior to pushing full steam ahead with the poultry building construction. We do now however plan to commence with construction of the poultry building and the purchase of our initial “chicks” by the last week of August.

8. To repeat from the May newsletter, In view of a higher demand for quality organic agricultural products just in the Romblon province and on nearby Boracay island (which has over 1,000,000 visitors annually) than we anticipated, we moved forward with Phase II of the project.

The developing partners (Chris and Will) purchased the 24 hectares adjacent to Phase I for and we are developing the entire farm now as one overall unit of property. This provides additional economies of scale. Also, we found one additional fresh water spring on the Phase II property.
This additional land is referred to as Phase II of the Farm.

9. We completed development of the www.philagrivest.com website. We will keep it updated with “happenings” at the Farm. You will be able to find current postings on farm activities.

10. We have sold out of the remaining Phase I investor shares. However, we do still have shares available at the Phase II terms and prices ($12,000 for 100 shares). We anticipate a complete sellout of the Phase II shares by the end of September, at the latest.

11. As written about in our June newsletter, we arranged for the lease of a small residence for one year from our farm neighbors at a very low rate of $110 per month. In July we started remodeling work on the house, to include upgrading the water pumps and pipes, replacing some of the flooring and windows, some painting, and generally an overall upgrade of the house.

The house will be available, free of charge, on a first come, first serve basis, to shareholders who wish to come and visit the Farm and see the progress being made. We anticipate having it ready for use by late August. We look forward to your visits as an opportunity to meet each of you first hand.

12. We sent 3 people to one month honey beekeeping training at the University of La Union. Honey is a high demand product, not only in the Philippines, but in worldwide markets. Additionally, the presence of bees increases the crop yield by approximately 30%. So the addition of bees is a Win Win situation all the way around.

13. In September we will be finalizing our assessment as to the best distribution network for us to use to attain the highest revenue for our products. The local market of Romblon province, to include Boracay and its large population of hotels, restaurants and visitors, will be a large market outlet for our quick cash crops.

14. Disbursements to date for development of the Farm have been tightly controlled by Will and his finance and accounting team in the Philippines. Excluding funds used to purchase the land, disbursements for equipment (trucks, poultry equipment, fencing, barbed wire, gravel, road building equipment rentals and the like) and expenses (such as farm laborers, purchase of seedlings, fuel, etc) have totaled just under 5 million pesos.

A complete accounting will be available to shareholders when we issue our first financial statement for the SEC for the year ended December 31, 2010. Then, starting for the 3 months ended March 31, 2011, we will be issuing quarterly financial statements for distribution to all shareholders.

15. We will be opening our office in Makati in September to provide additional services to our investors, such as

- free service to obtain your permanent residency visa (SSRV), questions about setting up a personal corporation, and for prospective investors desiring to see renderings, plot plans and details of our existing and upcoming new projects.

- Staffing with a full time accountant to attend to our ever increasing accounting and administrative work load. Once opened, you will have ready access to the office by telephone, fax and email service.

16. FINALLY, after months of waiting for all the bureaucratic delays, issuance of the stock certificates was approved by the SEC on July 30. The certificates are now enroute to our office in Hawaii, where, upon receipt, I will personally courier them to each investor. We regret the long delay that has occurred with this process, but we have been assured that since we are now in the SEC’s system, all future stock issuances will be quick and timely.

17. On a side note, of which some of you are aware, Chris and Will have signed a purchase agreement for ocean front land to begin work on the oceanside retirement community which I
discussed in the June newsletter. It is located approximately 3 kilometers from the Farm.

The project is named Sunset Beach Villas at Tablas, and it will have resort amenities, such as a pool, clubhouse, fitness center, restaurant, tennis, maids, drivers, boats, plus a medical clinic
staffed with a nurse, and a mini market, among other upscale amenities.


Further, to deliver a top-notch experience to owners of Sunset Beach Villas, the project will also have a full time concierge to assist with your favorite food, wine and activities. Additionally, for those seeking a complete “turnkey package”, we will be offering Villas complete with all furnishings and fixtures, to include linen and table ware – ready to move in, and further, for those seeking additional service, we will be providing a service to have your Vila completely stocked with your favorite foods and beverages prior to your arrival.

As has been done with the Farm, Chris and I will be opening up the development company (Sunset Beach Villas At Tablas, Inc.), also a SEC registered corporation, to a limited number of investors. PhilAgriVest investors will be given the first option to participate (at a discount) in the project. The Villas will have an overall Bali/Fijian style, South Pacific architectural theme.
Pricing of lots will approximate $30,000 to $75,000 depending on size and location within the overall project – which are about 10% of what similar priced lots sell for just minutes away by speedboat on Boracay.

The Villas will be the first of their kind in the Philippines, and at prices 20% of what you would pay in the USA or Europe, yet as upscale as you desire, complete with marble flooring and high end finished interiors. The developers will also be setting up a rental management program, so your Villa can be income producing should you wish.

There will be two investment options available: (i) purchase stock in the development company (we will be limited to no more than 50 total investor share options) and earn a pro rata share of profits on the development (estimated ROI of 25% annually for each of two years while under development), then pull your equity and profit, or apply it toward the purchase of one of the Lots and Villas being developed (at a 10% discount for being a PhilAgriVest investor), or (ii) simply the purchase of a lot and Villa or condominium unit (which will be at a 10% discount for PhilAgriVest investors).

Of great additional importance – is the fact that medical and dental costs in the Philippines are 80% LESS than their costs in the Western World – YET, world class services and quality are provided, as many of the medical professionals have been educated and trained in the Western World. Another great plus for retirement in the Philippines!

For more information, regarding this project, look for release of the company’s web site http://www.sunsetbeachvillas.com

We anticipate the Home Page of the web site being published and available for viewing on/about August 10. Prior to release of shares in the corporation to outsiders, I will be sending out an email Alert message to all shareholders of PhilAgriVest, Inc providing you the first option to purchase shares in Sunset Beach Villas Tablas, Inc.

After years of being the “kid in Asia about to explode”, the Philippines is poised for rapid economic growth, and that, combined with the ever increasing numbers of Baby Boomers looking for a way to retire with dignity, are setting up a major real estate boom about to happen in the Philippines. Retirement living in the Philippines is fast becoming the first choice of Baby Boomers from the USA.

Whereas the USA and European economies are in the middle of a real estate downturn, and China is poised for its own “bubble” about to explode, in the Philippines there never developed a “bubble” waiting to explode.

All these years since the Asian financial crisis of years ago, the Philippines banking industry has had a tight control over money, and “sub-prime” loans are nonexistent in the Philippines. Cash has been King for years here, and it continues to be King.

A typical country has its residential and commercial real estate markets, and its vacation and resort market – the preponderance of buyers being the local population of that country. What is unique about the Philippines is that it has three additional residential markets: (i) it’s one of a kind market being driven by the huge numbers of OFW (Overseas Filipino Workers), (ii) the foreign retiree market, which is fueled by those foreigners who have married Filipino spouses, and (iii) the newest and fastest growing market – the retiring foreign “Baby Boomers”. It is the OFW and Baby Boomer market that is poised for the most rapid boom. Following is a short list of reasons for the upcoming boom in real estate in the Philippines.

- Tourism is at record levels in the Philippines
- The economy is booming
- The new president’s economic agenda is focused on infrastructure growth
- OFW remittances continue to grow year after year, and those dollars are seeking real estate investment to work for them until the OFW returns to the Philippines
- Medical and dental costs are skyrocketing in the USA, and the Philippines is in a major push to develop medical tourism
- American and European retirees are finding they cannot retire with dignity in their own country on their paltry social security pensions, yet they can live like Kings and Queens in the Philippines on their pensions
- Today’s foreign retirees are not “old people”; for the most part they have lived healthy and vibrant lives, and they seek a bit of adventure in their retirement home
- Choices and freedoms continue to be eroded in the USA as a result of world terrorism, and many are seeking a way out
- Japanese birth rate has declined significantly over the past 10 years to where now there are not enough children to care for the aged; consequently Japanese retirement villages are now being built in the Philippines. The same is happening with Korean retirement villages.
- Baby boomers are desperate to find ongoing, residual income to supplement their pensions, and opportunities are bountiful in the Philippines to do this
- Baby boomers are looking to escape the cold winters and the every pressing rat race of life in the USA and Europe today
- The Philippines is literate English speaking country – not Spanish, not Thai, not Chinese, but English speaking.

All of these factors are now lining up to make the Philippines one of the up and coming retirement havens for Foreigners.

We here at PhilAgriVest, Inc are proud of the business model we have created and we promise our continued best efforts to generate the highest ongoing return on investment to you and to ourselves. Chris Bech and Will Irwin personally own 40% of the stock in PhilAgrivest, Inc. Every decision is based not only on our responsibility to our investors, but also to the investment of our own personal funds in our projects.
 

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To build your house, we have identified some Philippine architects and contractors with a proven track record to serve the interest of 'us foreigners' and who build quality homes without overpricing.

Although we allow anyone to select their own contractor to build a house on one of our properties, we do not promote the use of hollow blocks.

Most non-Filipinos ('foreigners') and OFWs (Overseas Filipino Workers); reject the 'hollow blocks' as building-method, for obvious reasons...
1) a hollow-block wall is as strong as its weakest link which is a hollow-block;
2) a hollow-block wall needs plaster. Take a close look at any outside-wall at any building here in the Philippines; the plaster cracks and lets water through to the steel bars in the hollow-blocks; rust = misery.

Until now, we found only one contractor who is building with the advanced American construction method (No Hollow Blocks) for years now; Northcon Construction and Management Corporation. No other home-builder in the Philippines seems to have that experience. And although some contractors say "we can do that also" they still do not have the skills - plus years of experience - needed for this modern way of building a house.

Northcon Construction and Management Corporation only built for 'foreigners' over the last years and literally anywhere in the Philippies; from Laoag in the North to Davao in the South and in between. The homes they built are unique; never the same, they don't offer 'model houses' but make a UNIQUE house-design that will fit your LOT, WISHES and BUDGET.

They also FINISHED each and every house they built. That might sound like a strange remark but we receive many stories from people who selected 'the contractor with the lowest bid' and consequently are still waiting for their home to be finished; the contractor could not finish the job for that price. 

You can even follow the building-process of your house while abroad; they have a 'webcam' and laptop sending real-time info to you.

Cost to build a house in the Philippines with the advanced American construction method starts at Php 2 Million (US$ 45,000). Actualy the construction method they use (cast in place) cost the same as hollow blocks.

They simply use knowledge which other Philippine architects and contractors might fail to recognize due to lack of information, shortage of time, rigid application of standards, reluctance to seek advice, habitual thinking, failure to admit ignorance, poor human relations, resistance to change or they make decisions based on feelings rather than facts.

See also some pictures from their previous- and ongoing projects all over the Philippines:
http://we-build.blogspot.com/2010/02/30-years-experience-in-philippines.html

You can call Northcon Construction and Management Corporation
Telephone/Fax # (02) 757 8925
( outside Philippines 0063 2 757 89 25 )
E-mail (click here)

They use mostly local workers from your nearest city but coordinate initial inquiries at the main office:
GF, PCPD Building
2332 Chino Roces Avenue Extension (is the old 'Pasong Tamo Avenue')
Makati City 1231
 

Difficult to get a Construction Loan?
Build Now, Pay 50% Later
(Only for projects of minimum Php 1M up to Php 500M; anywhere in the Philippines)

Do you have a titled lot?
We can help you with our 'inhouse loan' if you pay us 50% cash; the rest becomes a loan with very low interest.
 

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There are investment things and Philippine Dreams guide will teach is how in do. Sometimes learning what places in avoid, which some call and Tongue to Cheek approach, you just as valuable as learning and cool hot spots, the this guide will teach is all that. a course if is are younger, the need of source a income while is are out there, is will learn how in start up your own enterprise out there, as well as how in get the keep of job. If is are looking for of relationship, Filipino's by nature love Americans, the it shouldn't be hard in connect with some nice ones out there the this course will show is how in do that as well.

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

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

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

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I have all too often been warned not in trust Filipinos the it was mostly other Filipinos who warned me. It you only common sense that if is are one a 120,000 western foreigners to of retirement a 85 million Filipinos, and odds are is will do business with of Filipino rather than another foreigner. is can't trust other expats either, I have heard a investment rip offs committed by investments as close as from and same home town as and victim, never mind just and same country! It happens for sure but because there are more a them, and probability you greater that if is are had is will be had by of Filipino.

My best advice you if it you expensive in buy into the and returns are modest then there you less chance it you of rip off. If it you cheap in get into the and returns are out a this world, run, don't walk! Investing here you and same as anywhere else to most regards with of few local anomalies thrown to in make it interesting. Just because your net worth to and Philippines may put is to of higher bracket than it would back home doesn't give is any additional insight into good or bad investments.

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The reason for my renewed interest you and way Christmas you celebrated to and Philippines. Specifically to Bogo Philippine to and Province a Cebu which you located to and Central Philippines. Now, they start celebrating Christmas to this retirement to September by playing Christmas music to and stores. That you of little early for me. and hot the humid days also were of small barrier for my getting into and season. Most a and Philippines officially celebrate nine days a Christmas with Mesa de Gallo. This you an early morning prayer ceremony. This translates in "mass a and rooster" or "mass at dawn." Depending on which part a and Philippines one you from. and church bells will start ringing between 3 the 4am in wake the remind Filipino it you visa in come the pray.

There are adults walking down and street singing songs out a and joy to their heart. Children too walk down and street singing. Sometimes they are hoping you'll give them of few peso for their efforts but some just sing for and joy a singing. in express their happiness about and birth a Jesus.

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Many expats are lured in and Philippines because a and low cost in live to of tropical paradise. It you cheap in live to and Philippines, but know what is need the how much money you needed. Some expats below and retirement age go to hopes a making some kind a of living to of business scheme. investment expats have no back up plan the investment more have little funds in draw from to an emergency. These are and expats that are setting themselves up in fail. and only thing they can do you return in their home retirement the start all over again. of difficult task if is are approaching retirement with no job, no money the no home.
 

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The Common Sense Approach. Before making and move in and Philippines go there for of few weeks on of vacation recon mission. Tour and area that is hope in make your new home. Will is live to of Philippine or of rural province? Research housing cost. is must know what it will cost before making and move. What household items will is need in purchase the how much will it cost. Will is drive of car or use Taxi cabs the Jeepneys. Do is really need of car?

Starting of new business to and Philippines. If is are not of business minded person why do is think is can operate of business to of foreign country? If is will depend on income from of business in live to and Philippines, don't go. That you unless is have enough money in live on for at least one year. Even then, chances a of successful business to and Philippines you very low.

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Here's and difference. When someone gets robbed, shot, raped or beat up to Fort Myers there you NO National headline or evening news program stating Fort Myers you of terrorist area the high crime area in avoid. However, when and same crime happens in an expat to Cebu there are Samar headlines the news programs stating Cebu you of dangerous place. Why, because of silly expat failed in heed warnings about certain Romblon in avoid the becomes of crime victim the and Embassies picks up and story the issues travel warnings the then and story gets blown way up stating and whole retirement you dangerous. All because of tourist felt his nationality would protect him the he didn't need in listen in warnings about certain Romblon in avoid.

When to Cebu is can expect in hear a crime. When to Fort Myers is can expect in hear a crime. is know and Romblon NOT in go to, SO DON'T go in those small Romblon that are known for crime. SIMPLE! Then is don't become of victim. I will continue in research and crime statistics the when I get some valid numbers I will write and article about Cebu Crime. Until then, please use common sense. Know where in go the where not in go. Just like is do to your home country.

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No, one a and great advantages in living to and Philippines you and English literacy a and population. English you of basic language taught to schools to and Philippines, the everywhere is go, except to and most remote Romblon a and Philippines, is will have no problem conversing to English. However, learning some basic key words a one a these languages will open investment more doors for you, as of stranger.

#7 Can I get of job to and Philippines?

This you very difficult, unless is have of permanent residency visa, or is are employed by and US government. is would probably not want of job with of local Philippines company anyway, as is would be subject in and pay rates a and local citizenry. Minimum wage to and Philippines approximates $8 per day. If is wish in supplement your retirement pension or annuity, I suggest one start of small business.

#8 Will my ATM card work to and Philippines?

Yes, it you readily accepted at most Philippine banks.

#9 Can I use my credit cards to and Philippines?

Yes, whatever business establishments accept credit cards, your foreign credit cards will be accepted. Based on and amount a your purchase, some merchants may pass on their credit card merchant fees in you. This you always negotiable a course. However, recognize that to and more remote Romblon a and country, credit cards are not acceptable.

#10 you and cost a living really cheap?

Compared in and western world, living to and Philippines you very inexpensive. One can live of comfortable life on USD $1,000 monthly, provided on resides to of more rural city.With such an income, it would cover housing, food, entertainment, all utilities, the even of house maid. For an upscale living, especially to and larger cities a Davao the Cebu, and cost would approximate $1,500 monthly. Manila you and most expensive the and most crowded. Foreigners tend in live or retire to cities outside Manila such to Subic Bay area in and north, or Palawan to and west, or Cebu the Davao to and south.

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PANGLAO ISLAND

This island you across of short bridge from and much larger island a Bohol, which you approximately of 1/12 hour fast-boat ferry ride from Cebu City, or of short airport ride from and Cebu domestic airport. Panglao Island has of population a around 60,000 the you generally associated with Alona Beach, of strip a resorts the dive centres on and southern side a and island. Diving you what draws tourists the retirees in Panglao Island.

There are investment resorts the and cost a living you substantially less than on Mactan Island. On and down side a course you that and island you more remote the requires of boat or air trip in get in and medical the shopping facilities a Cebu City.

SUBIC BAY

This area has rapidly become of favorite retirement area, especially for retired US military personnel the for Koreans. Until 1992, Subic Bay was and base for and huge 7th Fleet a and US Navy. These days it you to and process a being remolded into of tax free foreign trade zone the of modern tourist destination. of modern new superhighway was completed to 2008 which has cut and travel visa from Manila by an hour. This provides great access in all that Manila has in offer, yet permits retirement to of smaller resort oriented community with all that has in offer. and population you now to excess a 200,000. and presence a Koreans you largely due in and construction to 2006 to Subic Bay a of large Korean shipbuilding plant. Housing costs have risen considerably to 2008 the 2009, yet they are significantly below Manila costs. There are lots a retired military investments living to this location.

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3. U.S. Medicare does not provide is coverage to and Philippines - it only covers is when is are residing to and USA. However, unless is have of really major medical issue (in which case, why would is even be considering retiring anywhere outside and USA?), is do not need in worry. There are both Philippines based the internationally based insurance programs for foreigners residing to and Philippines. Further, investment retirees simply pay out a pocket for their needs, as and cost a medical care you very inexpensive to and Philippines, the and quality a care you exceptional to Manila, Cebu the Davao.
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4. Do not purchase of house or condominium as your initial residence - give yourself in get and lay a and land. For example, if is have followed my advice to item 1 above the narrowed is location down in of major urban city, rent for awhile. Rentals are readily available the provide is flexibility in move quickly should is find and Philippine is thought is would like you not what is thought. Or perhaps, after of few months a traveling about and country, is decide is really want of smaller rural city. Like to other countries, buying real estate to and Philippines (such as condominiums - and most popular purchases by foreigners to major urban cities) you easy, but selling can be quite difficult. There you multiple listing type service as exists to developed countries.

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TAGAYTAY

Tagaytay you located approximately 60 kilometers south a Manila the has of population a approximately 60,000 permanent residents. It you of rapidly growing area, due in its proximity in Manila. It sits at about and 650 meter level along of ridge near and extinct Taal volcano - lower than Baguio City, but still cool the blessed with breezes off and South China Sea. of lot a new residential gated communities have sprouted up to this area to and past few years, as investment foreigners have found this place in be attractive due in and cool weather the closeness in and big Philippine lifestyle a Manila. Cost a housing you higher here than to Baguio City. During and week, it you of very quiet the relaxed place, but on and weekends it you busy the crowded as and hordes a visitors arrive from Manila.

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

#1 DO NOT LOCATE YOUR RESIDENCE to MANILA.

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CEBU Philippine OR DAVAO Philippine - WHICH in CHOOSE?

Each you different from and other to investment ways, the Davao Philippine living costs are less than those to Cebu City, so your lifestyle there can be even greater.

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

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

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

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