5 Tips for a Healthy Retirement in the Philippines

Retirement is time to enjoy life – when you finally see the fruits of your labour and the hard work have paid off, and now you can do whatever you please for the rest of your life.

That’s all well and good, but many of those dreams also depend on one crucial factor: good health.

Too many people approach retirement and beyond fearing what might happen to their health, rather than seeing their golden years as an opportunity to live healthier than ever before.

So, now that you have all the time in the world, how can you stay healthy, and even increase your health, as you retire in the Philippines?

5 Key Elements to a Healthy Retirement

1 – It Sounds Cliche, but…Exercise!

Retirement is the ideal time to build a new routine, and exercise should be a central part of that routine.

Sure, there are retired folks who take up Thai boxing and run up mountains for the hell of it, but you might have something a little gentler in mind.

If so, consider Tai Chi (an ancient movement and breathing technique which can induce transcendent experiences), Pilates, and of course, yoga.

While these are gentler forms of exercise, don’t be fooled into think they are easy. Yoga, in particular, can be as challenging as you want it to be.

The great thing about these forms of exercise is they all keep your blood flowing and are good for your bones and joints.

Walks on the beach, light jogging, and hiking are also great ways to get in some exercise while exploring the Philippines in retirement.

2 – Drink Freshly Pressed Juice

Juicing has become somewhat of a fad in recent times, but the science underpinning it is rock solid. Juicing is a simple way to get everything your body needs, especially if, like the author, a plate of greens is extremely unappetizing.

There are lots of great juicing recipes, and it can become somewhat of a lifestyle once you get into it. Some juicing proponents drink 3-4 juices a day, getting the perfect balance of nutrients needed.

There are even specific juices to help certain ailments you might suffer from. Juices exist for arthritis, to help strengthen teeth and bones, and for all sorts of conditions you might either need help with or wish to avoid.

Juicers won’t cost a fortune, and with the abundance of fresh, locally grown fresh fruit and vegetables in the Philippines, there’s no excuse not to get into it.

3 – Eat Well and Use Supplements

If you come from a Western country and have retired to one of the Philippines many sleepy islands, you might notice that along with the slower pace of life comes a passion for cooking and food.

When I first moved to the Philippines, I was fascinated by how my Filipino family treated food and eating as an art form. Hours would be spent preparing freshly cooked meals, whereas I was used to a ‘pop it in the oven and wait’ style of eating.

There is no better place in the world to eat well than the Philippines. Fresh produce is abundant and extremely inexpensive.

Since you are retired, you will also have all the time in the world to prepare meals properly.

While you will be able to find the food needed for a balanced diet basically anywhere in the Philippines, you can use supplements to fill in any gaps. You should note that imported supplements will cost a fair chunk of change here, and so it might be better to order supplements online.

It really is possible to eat well in the Philippines. Use that opportunity to eat for health.

4 – Stay Mentally Stimulated

While the body can have profound effects upon the mind, the opposite is also the case.

You need to stay mentally stimulated to stay healthy, and it is quite easy to slip into a ‘do nothing’ routine in retirement.

The Philippines will have English language bookstores everywhere, so this is an ideal time to take up reading.

You will also almost always find friends who can play games like chess, Go and Mahjong here.

Trust me, the first time you play Mahjong against your new Filipino friends, you will have discovered something that can keep you ticking mentally for the rest of your life.

Of course, one of the best ways to stay mentally stimulated is to learn the local dialect. If there is one way to make life easier, get a better understanding of the culture you are living in, and make friends locally, it is to speak either Tagalog, the local language where you are living, or both! Learn Tagalog with any of these products.

Don’t overlook the need for mental stimulation and challenge in your quest for a healthy retirement. It’s just as important as any other factor on this list.

5 – Relax and Unwind

Yup, this is the best part, and you have earned it.

There is no better place in the world to relax and unwind than the thousands of tropical islands the Philippines offers.

Walks on the beach at sunset, snorkelling on colourful coral reefs, or just enjoying a good book with the sound of the waves lapping on the shore in the background are all ways to chill out and enjoy yourself.

Rest and recovery is an essential part of good health, and now that you have finally reached the age where you can retire in the Philippines, you have all the time in the world to do just that!

Summary

Follow the five steps above to enjoy a healthy, satisfying retirement in the Philippines.

While moving anywhere will mean some transition, some challenges, and some adrenaline rushes, implementing the five tips outlined here will keep you feeling great and living longer.

Enjoy your retirement in the Philippines!

5 Tips for a Healthy Retirement in the Philippines

How to Ship Your Car to the Philippines

There are many reasons why you might want to ship your car to the Philippines, rather than buy one when you are over here.

While the actual cost of shipping your vehicle is not prohibitive, the taxes you will have to pay to import it to the Philippines might make you think twice.

In some cases, the taxes that you have to pay can amount to more than the cost of the car, so it’s essential that you check with the Philippine Embassy in the US before embarking on the task.

Here’s a simple breakdown of the costs involved in shipping your vehicle to the Philippines to help guide you.

Shipping Costs to the Philippines

The cost of shipping your vehicle will vary depending on which shipping company you decide to use, but a rough guide would be between $2,500 and $4000. The cost may be slightly higher depending on your particular requirements and circumstances.

You can use our shipping calculator to get a better idea of the cost involved in shipping your vehicle to the Philippines.

Philippines Import Taxes

The Philippine taxes will be collected by the shipping company and are based on the vehicles usage, weight, and engine size.

Taxes that are based on weight are calculated at a rate of $13.75 or higher.

Here are the latest import taxes for the Philippines:

• For a vehicle that can transport 10 or more passengers, the taxes will be 15-20% based on the gross weight of the vehicle and the number of passengers it’s designed to carry.


• Private vehicles are subject to a 30% tax based on engine displacement.


• If you’re trying to import a vehicle that is specially designed to transport items, then expect to pay 20-30%, based on the gross weight of the vehicle.


• Motorcycles taxes are charged at the rate of 30% based on engine displacement.

Shipping Methods to the Philippines

There are essentially two ways you can ship your vehicle to the Philippines. You can either choose to ship it via RO/RO, which stands for ‘roll on, roll off,’ or container.

With RO/RO you or your agent will drive the vehicle onto the ship, and it will sit on the deck with all the other vehicles. It has the advantage of being cheaper, but your car will be exposed to the elements and other passengers.

If you decide to take the more expensive option, then you can ship your vehicle in a container. By shipping it this way it will be more secure and also be shielded from the weather and other potentially harmful elements.

Essential Documents You Will Need

Before transporting your vehicle, you should check that you have all the required documentation. You will have to present your documents at the port of arrival in the Philippines, and if any are expired or missing, your vehicle will be refused.

Here is a checklist of the required documents for importing your car to the Philippines:

• Import authority permit (see below)


• Owners passport showing arrival and departure dates


• Bill of Sale of valid proof of purchase


• Vehicle registration


• Engine number


• Commercial sale invoice

Restrictions on Shipping Cars to the Philippines

As mentioned above, you will need to have a special Import Authority permit, which is only available from within the Philippines. You can obtain the special permit by visiting the Philippine Bureau of Import Service.

You should also note that only left-hand drive vehicles are permitted in the Philippines. Philippine law strictly prohibits the import of right-handed vehicles under Republic Act No. 8506

Before the Bureau of Import Service allows your special permit, you will need to prove that you have lived outside of the Philippines for at least one year. If the car you wish to import is newer than three years, you must have had the car in your possession for at least six months before arriving in the Philippines. For cars older than three years, you must have had it in your possession for at least one year before import.

If the vehicle is older than five years, you are not permitted to import it to the Philippines.

There is also a limit imposed of only one car per family.

Conclusion

If you absolutely have to have your car in the Philippines, then it’s certainly possible, but you should expect to spend some money and jump through a few hoops.

Philippine bureaucracy is famously slow and can be very frustrating at times, so a healthy dose of humility and patience is going to be required.

Take a look at our shipping calculator to get an idea of the costs involved.

Be sure to let us know how you get on shipping your vehicle to the Philippines and either drop us an email or leave a comment below.

How to Ship Your Car to the Philippines

Top 5 Financial Tips for Foreigners in the Philippines

As a financial advisor, one of the biggest problems I see with foreigners living abroad is financial planning since you don’t have the NSA, 401(k)’s, or Superannuation’s to help you out – you’re all on your own with little or no help from the Philippines or your motherland. For those retired, semi-retired, or thinking about retiring in paradise, here are some helpful hints to keep your finances healthy.

Insurance

Let’s say you get in a traffic accident or get diagnosed with a severe medical condition. A situation like this can set you back tens of thousands of dollars – especially when using expensive expat hospitals – and possibly wipe out your savings. With basic inpatient coverage, however, your insurance provider will cover all the medical bills to help preserve your hard-earned cash.

The same can be said with life insurance. The Philippines is considered a high-risk country by many insurance companies, meaning your provider from home will most likely drop you the minute you move to the archipelago. If you have a family, kids or even a mortgage (debts are inheritable!), a sound life insurance policy will greatly help your loved ones if you were to pass away, become paralyzed, or get diagnosed with a critical illness.

Investing

Just in the way insurance preserves the money you’ve made, investing grows it. Banks in the Philippines have an interest rate of around 3% (which when compared to the West is pretty good). But with inflation also around 3%, that eats away a lot of the real growth you could experience.

Therefore, it may be better to invest. If your investment grows at a rate of 7% per year, due to the magical powers of compound interest you will double your money in just 10 years. There are many tax-efficient investments available exclusively for expat as well, helping you grow your wealth faster.

Tax Planning

This is especially true for Americans since they’re subject to report and pay taxes on their income even if they reside outside of the US. If you’re not reporting your earnings and bank details to the IRS, you can land yourself into some serious trouble and lose a lot of your money in fines.

However, this problem isn’t limited to Americans. The Common Reporting Standard (CRS) has been passed and it will most certainly affect most foreign nationals living abroad. According to the OECD website, the CRS “calls on jurisdictions to obtain information from their financial institutions and automatically exchange that information with other jurisdictions on an annual basis.” Very soon, most foreigners overseas, just like Americans, will be subject to citizen based tax. Start getting your taxes in order soon to stay ahead of the game!

Retirement Planning

Most pension funds require that you live in or work in the country of where the retirement fund is domiciled. So, if you’re living in the Philippines, it may be impossible to keep that fund growing. If this is the case, did you know you can transfer your pension to a provider that will allow you to not only grow but access your funds outside of your home country? Owners of US-based IRAs and 401(k)’s, and those with British pensions are just some of the many approved pension schemes that can be transferred over.

If you don’t transfer your pension, it’ll literally just sit there collecting dust, so get that money which is rightfully yours back into your possession. Furthermore, it could also be beneficial to have your nest egg much closer to home for the purpose of efficiency.

Investing Locally

Investing in the Philippines definitely has its risks, but high risks can come with high rewards. P2P lending is becoming more popular in the Philippines, and some foreigners have gotten in on the action. In regards to property, I personally think the there are some very good real estate deals out there, but there are restrictions on what foreigners can purchase (if you have a Filipino spouse, it will make things easier, though). Opening a business, or investing in another business, can also yield returns.

With the Philippine economy in relatively good health and posting a GDP growth of 6.8% in 2016 (more than China!), I remain bullish on the country. But, when making any investment locally, make sure there is an element of trust, and realize that there is always a high factor of risk. After all, it’s still a developing country with a history of extreme volatility. I’d recommend having your nest egg in place before taking on any risky investments, and also don’t risk what you can’t afford to lose.

As a foreigner living in the Philippines, there are tremendous opportunities to add zeros to your bank account and raise your living standard due to the low cost of living. But if you’re not managing your wealth properly to actively grow and protect your savings, are you truly maximizing your full potential? Follow some of these tips to stay financially secure in the Philippines and live the good life!

Top 5 Financial Tips for Foreigners in the Philippines

How to Live in the Philippines with No Money

‘How to live in the Philippines with no money’ might seem like a ridiculous title for an article, but it’s something that people are searching for on Google almost every day.

From time to time, I take a look at the statistics for this site and like to see how people are finding us. Most of the search terms are pretty obvious and are not too surprising, but when I see something as crazy as this one, I have to sit up and take notice.

The idea that somebody thinks that they can live ANYWHERE in the world for no money is just insane.

Yes, the Philippines is relatively cheap when compared to most western countries, but it is certainly not free. In fact, there are a few things that are more expensive over here.

The one that comes to mind right away is the cost of a car.

When I was living in Hawaii and just wanted an old beater, to cruise around the island, I could pick one up for less than $500.

It didn’t’ look like much, but it was reliable and served a purpose. I could strap my board to the roof and get to the beach, which was all I wanted to do.

I can’t recall ever seeing a secondhand car in the Philippines for less than $1000, though I have noticed car prices going down lately. I don’t tend to follow the automobile market on a regular basis, so if you’re reading this and no different, please post a comment below.

Cost of Living in the Philippines

It’s difficult to say exactly how much it will cost you to live in the Philippines because each situation will be different.

As a rough guide though I’d say a single guy could live over here quite comfortably for between $1000-$1500. If you wanted to live a more extravagant lifestyle, then you’ll obviously need a lot more.

If you’re trying to provide for you and your family then again, you’ll require more money. I don’t have a family so can’t give an exact cost.

If you don’t have a pension or some other means of getting money, then you’ll need significant savings.

There’s no social system for down on their luck foreigners over here, and if you ever had the gall to inquire, you’d get laughed off the island.

Stranded in the Philippines

Being stranded in the Philippines with no money is not something I would wish on my worst enemy. There are no agencies that will take pity on you, and you’ll most likely get zero help from your embassy.

If you’re lucky, they might let you use their phone for free to call a family member or friend and beg for money.

I’ve seen foreigners being so down on their luck that they had to open up a GoFundMe.com page and plead for donations. It’s a sad state of affairs and not a position you would ever want to find yourself.

Conclusion

The idea that a person can live anywhere in the world for free is crazy, and no sane person would suggest otherwise.

You’ll need funds to live in the Philippines and a way to replenish them when they get low. Whether that’s a pension, investment, business or some other money making venture, you’ll need a constant stream of cash.

Also, remember that making money over here is possible, but the kind of returns you’ll get are much lower than what you’re probably used to. There’s plenty of competition from locals, and you’ll find it hard to compete unless you have some skill or service that can not be easily served by a natural-born Filipino.

Do you live in the Philippines? How would you compare the lifestyle over here with what you’re used to? Is it cheaper or are there some things that are more expensive than back in the west? Leave a comment below and let us know.

How to Live in the Philippines with No Money

Why I Ultimately Left the Philippines

There are lots of articles out there about how retirement in the Philippines is amazing, and how, after a long and diligent life of hard work, expats find their little slice of paradise in the tropics, where they can live it up drinking cocktails and visiting tropical beaches until they shuffle off this mortal coil.

There aren’t too many articles detailing the cases in which it doesn’t work out. In this article, I’m going to explain why I left the Philippines, and hopefully, by reading it, you will gain a more realistic understanding of what is needed to make your dream life in the Philippines a success.

Why I Came to the Philippines

I came to the Philippines for the same reason most people do – because I visited and I loved it. I also had a wife from the Philippines, although we had met in another country and hadn’t lived there together yet.

So, I arrived in search of the exact dream most do – the sunshine, tropical getaways, and a carefree life. I found all of them, but I quickly came up against reality, too, and ultimately decided to head back to the UK.

Why I Left the Philippines

I left the Philippines for one main, overarching reason – lack of financial opportunity.

I know, I know, there’s opportunity everywhere, and it’s a digital world. The web connects us all, and it’s possible to make money online from anywhere. BUT, it takes time, often many years, for those digital seeds to bear fruit, and since I had a young family to support, I couldn’t afford to wait.

The Philippines is truly a third world country. Yes, it’s stunning, yes, it costs little to live in when compared to Western nations, and yes, it’s paradise. It is also not a place you want to find yourself without much cash, and before moving here, you would need to have either substantial savings or a steady income stream.

I had the latter when I moved there, but changes in the economy meant I quickly found that drying up (oil crash). If you don’t have a steady income, things will be tough in the Philippines, and you’re best to wait until you have that sorted before moving or retiring there.

I was also concerned for my son’s future. What would he do when he grows up? What decent jobs would there be for him? I knew his Pinoy family would take good care of him, but what could he do if he wanted to chart his own course in life? This concern began weighing on my mind more heavily as time passed, and I felt I owed it to him to bring him back to the UK. If he decides to return, he will have my full support, but it will be his own choice, and I will have done what I can for him as a parent.

Life in the Philippines can be inexpensive, but honestly speaking, if you want to live a decent quality of life, it’s not. If you want good medical care, a solid education for your children, and a lifestyle you can enjoy, you need a fair amount of money coming in every month – not anything under $1500 USD in my experience. Again, that is if you want a lifestyle you can enjoy (eating out, a sense of security, regular travel).

So, I left because I needed to take care of my family, and I felt ill-equipped to do so in the Philippines. You might face the same problems if you’re not prepared. It’s easy to underestimate what you need to move here and make it work.

I Plan to Return to the Philippines

All of the above said I do plan to come back to the Philippines to retire. It is beautiful, and you really can live the type of life you dream of but do not underestimate the amount of money you will need to enjoy it thoroughly. It’s not for young families struggling to establish themselves, but will be better suited to those who have either steady income streams from investments, established digital businesses, or who are financially independent through pensions or other means.

Someday my wife and I plan to come back and live the good life in the Philippines. It will just be to retire when life’s work is behind us.

What are your thoughts? What has or would cause you to leave the Philippines? What do you think is a minimum amount a small family would need to live a comfortable life in the Philippines?

Why I Ultimately Left the Philippines

Keep the IRS off Your Back! Advice for Americans Abroad

FATCA, FBAR, PFIC… this alphabet soup of tax/financial related acronyms can certainly send chills down the spines of Americans living abroad. And it should – the US is the only country on the planet (besides Eritrea) that taxes its citizens worldwide, and non-compliance can result in hefty penalties. Luckily, by understanding a few simple guidelines, you can better protect your savings while retiring abroad and never have to worry about the IRS. Here is some general financial advice for Americans retiring in the Philippines and elsewhere.

FATCA

FATCA (the Foreign Account Tax Compliance Act) entered into force in 2010, and it has been reinforced during the past several years. Before, the government was relatively lax on tax reporting for Americans abroad. But today, it’s essential to report all your assets and financial activity every year. To ensure overseas Americans are tax compliant, the US has signed deals with thousands of companies and countries (the Philippines included) to ensure they report their transactions with Americans to the IRS.

That means if you’re making investments, or are earning money, or are using a bank account in a foreign country, those entities will report your activity to the IRS. When you file taxes and don’t report the same activity, the IRS sees that it doesn’t match and believes you are evading taxes. We all know that the consequences for tax evasion aren’t good.

My advice to stay FATCA compliant is to report everything each year via a qualified expat CPA. I stress expat because a CPA back home most likely doesn’t have the qualifications or knowledge to work with Americans living abroad effectively, the rules are very different. Even if you’re making under $100,800 (the current foreign earned income exclusion amount) and don’t owe any tax to the government, you’re still required by law to report everything correctly.

FBAR

The Report of Foreign Bank and Financial Accounts, or FBAR for short, is a particular form for reporting foreign bank accounts. The IRS website states that you are required to report an FBAR form if you have “a financial interest in or signature authority over at least one financial account located outside of the United States, and the aggregate value of all foreign financial accounts exceeded $10,000 at any time during the calendar year…” If you have a bank account with $10,000 (or the equivalent in foreign currency) or more, you must report it.

FBAR forms are available online and can easily be done by yourself. The most important thing is just doing it. That being said, having a professional review your info is never a bad recommendation, it’s better safe than sorry.

PFIC

PFIC stands for Passive Foreign Investment Company, and they can be quite nasty! In simple terms, most non-US investments, mutual funds, pension plans, life insurance products, etc., can result in a very high tax on gains each year. There are fantastic, tax-efficient investment products available to most foreign nationals living abroad, something that can add significant value to your golden years, but Americans must be very careful when making investments while retiring/living abroad.

At risk of sounding like a broken record, it may be a good idea to have a qualified expat professional review any non-US investments you possess to ensure they’re not PFICs. If you’re looking to make new investments while abroad, ask if they are PFICs or not. As a rule of thumb, if it’s not US-based, there’s a good chance it’s a PFIC. There are indeed specific, SEC compliant investments available to Americans living abroad, but the options are especially limited when compared to what other nationalities have available.

As you can see, it’s best to ask questions and, most importantly, report absolutely everything – honesty is the best policy. The IRS won’t accept “I didn’t know” as a legitimate excuse. If you’re FATCA compliant, you have absolutely nothing to worry about except working on your tan in paradise!

Keep the IRS off Your Back! Advice for Americans Abroad

Are the Guys at RTTP Fascist?

As you can imagine, we get a lot of comments on RTTP, and the fact is, we don’t publish them all.

It’s not that we’re drowning in a sea of comments, that would be a nice ‘problem’ to have.

The reason that comments don’t get published is that either, they add nothing to the conversation or have no relation to the article.

To most reasonable people, this makes complete sense but never a day goes by when I don’t get a nasty, hate-filled email from a visitor who’s angry that we didn’t publish his particular comment.

I say ‘his’ because it always seems to be men that take it as a personal insult that they didn’t get to have their voices heard on a mostly anonymous forum.

In 3 years of administrating RTTP, I’ve never had a single hate-filled email from a woman, so I guess that says something.

Let the Vitriol Flow

One such email arrived in my inbox last week in response to my recent article about how I never actually chose to live in the Philippines.

I’m guessing it must have struck quite a nerve with the author as he seems like he was apoplectic while writing his email.

I don’t want to give his warped view of life in the Philippines too much air-time, but here are just a few of the highlights (or should that be lowlights?)

• ignorant locals


• wild, uneducated kids


• too hot, most of the time


• don’t understand English (to my desired standard)


• women go to work while the men go to cockfights

And the list goes on, and on and on.

I didn’t waste too much time counting all his grievances, but I’d make a rough estimate that there was about 20-25.

Many of his claims I might not necessarily disagree with, but I would argue that most of them could be said about any country in the World.

It was interesting to me how he made mention of the idea that anybody who disagrees with him must be wearing ‘rose colored glasses.’

I’ve spoken about the various color of people’s glasses in another article, so I won’t write about it again here, other than to say that if my glasses are rose colored, then yours are brown colored.

The color of dog shit!

He’d used the contact form on RTTP rather than post a comment, but yet towards the end of the email, he ponders to himself whether his ‘comment’ will make it to the pages of our site.

Three reasons it won’t be making it onto the site buddy.

1. It’s not a comment.

2. It doesn’t comply with our, very reasonable, comment policy, and, most importantly

3. It’s just a long list of things you hate and find objectionable about living in the Philippines as a foreigner.

What I found almost laughable about reading his email was that he’d been coming here from the UK, since 1998 but apparently he hates it with a passion.

Now I don’t know about you, but if I hated something as much as he obviously does, then I certainly wouldn’t be doing it for almost 20 years!

Some (Not So) Friendly Advice

Here’s my advice to him and anybody else that hates it over here and feels so strongly that they are driven to sit down for 20 minutes and write an email to somebody that they’ve never met or conversed with, to make their feelings known.

DON’T KEEP COMING HERE!!!

Seems logical enough, right?

He has a Filipina wife so is that the reason he keeps coming back?

Is life in the UK so shitty that the guy is willing to suffer such terrible hardships, just to make his wife happy?

Having lived in the UK for the first 30 years of my life I can say that that country didn’t suit me, but I was never tempted to spend my evenings flailing my body with a bull whip just to exorcise the demons that were lurking inside.

Reading his email reminded me of something I saw when I was in Cagayan De Oro a few years ago, visiting a friend, and it just so happened to be Easter.

There was a religious procession that passed by his house, so I went outside to see what all the commotion was.

What I saw almost knocked me off my feet.

In the middle of the procession, there were about 20-30 men with their shirts off, and they were flailing themselves with whips.

You could see the blood flowing from their wounds, and it certainly didn’t look very pleasant.

It looked damn painful, to be honest.

You can read more about it by checking out this interesting article that I found on the Vice website.

Stop the Tangents and Get With It!

Anyway, I digress – which is something I’m prone to do both in life and while writing.

We at RTTP enjoy and encourage reader interaction through comments. It says it right there on our comment policy page, so it must be true.

What we don’t welcome are lengthy diatribes that list all the things that the bitter individual doesn’t like about the Philippines or its people.

My advice to the guy that wrote the email is simple.

If you don’t like it here, then leave and never come back.

If you don’t agree with something that is written on this website, or any website for that matter, post a calm, well thought out comment, and let’s have a debate.

If you feel yourself slipping into a hate-filled tirade, then stop yourself quickly.

Don’t waste our time or yours because, guess what my friend, it will end up in the digital trash bin, where it belongs.

If all of the above fails and you still feel the need to vent your spleen then why not set up your own blog?

If you don’t have the technical knowledge to set up a website, there are plenty of tutorials that will show you how to do it.

If you can’t afford the hosting, then there are plenty of free hosting providers.

WordPress — which is the platform that RTTP and many other popular sites on the Internet use — have their own free blogging solution.

In short, there’s plenty of ways for you to get rid of your anger, but posting on this website won’t ever be one of them.

Conclusion

If you’ve posted a comment and it does not appear on RTTP, then the first thing you should do is to check the comment policy.

For the majority of comments that don’t get approved, not complying with our policy is by far the most common reason.

If you’re sure that you’ve followed the guidelines, then please use the contact form and drop us a quick message.

Once again, we love to get your feedback and welcome reasonable, thoughtful debate, so feel free to reply to this or any other post on the website.

Your feedback helps to make the site better so keep them coming.

You can quickly read the most recent comments and get involved in the conversation by visiting our recent comments page.

If you’re living in the Philippines and can help another reader out, then please feel free.

I’ve been here for over 12 years, but there’s plenty I don’t know about the islands.

No amount of time living here will make a person an ‘expert’ and anybody that claims otherwise is most likely lying or delusional.

Am I a fascist? You decide.

If not wanting to promote hate means being a fascist then color me Trump!

https://www.youtube.com/watch?v=SnxQI97e-jU

Are the Guys at RTTP Fascist?