Wednesday, October 12, 2016

Is it Still Safe to Retire in the Philippines?

duterte



By now most people who keep an eye on the Philippines will have come across sensationalist headlines of blood in the streets and a growing body count since the election of President Rodrigo Duterte.

Naturally, this causes many people concern, and some may be wondering if it’s still safe to retire in the Philippines.


So, are the rumors true?


Yes, to a large extent the rumors in the newspapers are true. People are definitely dying and there is a lot of killing in the streets. However, what newspapers eager to sell copies and run by vested interests won’t tell you is that there is absolutely zero evidence to show it is actually Duterte who is responsible for any of it.


It’s true that he hasn’t exactly discouraged the idea, and at times has crossed the line and actually encouraged it, but the killings could just as easily be the work of panic-stricken drug lords who realize the game is over and who are trying to tie up loose ends.


While there have been failed attempts to link the president to death squads, there is no smoking gun, and until there is, I will stick by the principle of innocent until proven guilty (I know there’s some irony in this, but that’s life).


The second thing that isn’t reported is that in most of the country nothing violent or terrifying is happening at all. Think about how big the Philippines is, and how many towns, cities and provinces there are. Yes, 1 or 2 people involved with drugs are being bumped off every few days, and undoubtedly some of them are innocent, but in the grand scheme it really isn’t that many and like everywhere in the world, if you stay out of it, you generally don’t have anything to fear.


My insight into this is largely due to the fact that I grew up in Belfast, Northern Ireland, and I’m aware of how most of what qualifies as ‘reporting’ is exaggeration and propaganda. I used to walk along the very same streets which I’d seen utterly destroyed on TV the night before, and not notice much of a difference. It’s pretty much the same here – there’s a war going on alright, but there’s absolutely no sign of it, at least from my vantage point.


I will say, however, that I have noticed several positive changes since the election of Duterte. Just yesterday a brand new trash truck pulled up outside my house and emptied the bins, white lines have magically appeared in the middle of the roads, people are actually stopping to let me cross the road, and new electrical pylons are being erected as I write this.


I’m not sure I can connect the two in a direct cause and effect relationship, but change is in the air and it is palpable. From what I can see, it’s largely positive, being that I neither take nor sell drugs and have nothing whatsoever to fear.


I’m not trying to paint the Duterte administration as some angelic Godsend, nor is it really my place to comment on the politics of a country in which I am not a citizen. I will reserve judgment, as it is both polite and prudent to do so, until the results are in and history is written.


For now, let me answer the question this article set out to address – yes, it’s still very safe to retire in the Philippines, and if things keep improving gradually as they have been, it will continue to remain so, long into the future.


Is it Still Safe to Retire in the Philippines?

Tuesday, September 13, 2016

Meet Filipinas Online The Easy Way

meet filipinas online

So you wanna meet Filipinas online, do you?


Welcome to the world of dating Pinays, some of the most beautiful and caring women on the planet. I’ve been married to a Filipina for 2 years now and life has never been better. In fact, several of my friends have decided to come to The Philippines in search of their own Filipina girlfriend within a few months of meeting her when I took her home to meet the family.


I’ve tried to taper their enthusiasm with a healthy dose of caution – not every woman here is the same as my wife! There are good and bad girls in The Philippines, just like anywhere.


Thinking about how to best advise them and answer their questions about how to meet a Filipina got me wondering – why don’t I just write an article explaining the top points of what I’ve learned after 10 years of dating in Asia?


So, that’s exactly what I did. Here are 5 tips to give you the greatest chances of success when dating Filipinas online.


Meet Filipinas Online – 5 Crucial Tips


1. Take Your Time


This might be stating the obvious, but you’d be surprised how many men sign up for a dating website to meet Filipinas online, who ticks all their boxes, and dives right in without a thought for the morrow.


Love is love, and when it strikes there’s very little you can do. One thing you can do, however, is let time do what it does best and give you some perspective.


The reason for taking your time are twofold.


First, those crazy brain chemicals that have you all over the place, eager with anticipation to fly directly to the Philippines and meet your new lady friend will calm down and level out and think about things clearly.


Second, you need at least 6 months to get to know someone well. I think this rule applies to dating anyone, anywhere.


The rules of online dating are the same as the rules of dating in the real world. Remember the old saying when dating Filipinas online – ‘Wise men say, Only fools rush in!’


2. Be Realistic


If you’re 58, have a pot belly and a few missing teeth, albeit with more than a smattering of charm, recognize the warning signs when a 19-year-old model caliber lady is interested in you. You must be honest with yourself and honest with the woman you will talk with while trying to meet Filipinas online.


Sorry to take away your ego enhancer, but if you go down this rabbit hole you’re entering a world of hurt. Why is she interested in you when she could easily take her pick of younger men who know the name of Bieber’s latest hit song? You’ve got to be aware that there are lots of very poor, very desperate girls in this country who will do almost anything to survive, including rinse a sucker like you.


Let me be clear: NOT ALL FILIPINA GIRLS ARE LIKE THIS – FAR FROM IT! I’m not being a racist, a misogynist or a prick for saying it. It’s a sad fact of life and I’ve known guys who have been taken to the cleaners in a haze of love and emotion. I don’t want the same happening to you, dear reader.


Set realistic expectations for yourself and always ask ‘What’s in this for her?’ Understanding her intentions is a key part of successfully dating.


3. Look at Her Profile History


Before I settled down and got married I admit I to was interested in finding out how  to meet Filipinas online. During this period of my life, I learned to spot the girls who lingered for a little too long on those sites, and I began to learn that this meant one of two things: she is a serial dater or she has problems and moves from one guy to the next rapidly.


This is another reason for taking your time and getting to know both the site you are using and any ladies you talk to on there.


Be especially aware of ‘Off-On’ profiles. These are ladies who repeatedly delete and reopen their dating profiles. This should ring alarm bells in your head and cause you to ask yourself ‘What’s she up to?’


3. Meet Her in The Philippines


When you do find a fantastic woman who you really could fall for (oh, you will, believe me), at some stage, you will need to meet her to move things forward.


Start with video chats on Skype. This is much better than texting when it comes to getting to meet Filipinas online.


Dating and Asian Woman


Eventually, however, you’ll want to meet face to face. Coming to The Philippines is a great idea in and of itself. This is one of the most beautiful countries you’ll ever visit, and coming to meet a love interest is just the icing on the cake.


Meeting your lady friend in The Philippines is also a good idea because it will allow you a great insight into her, who she is, and her culture. There are actually many different cultures within The Philippines, so getting to know her city, her island, family and individual quirks is best done here in her home country.


Besides, you coming to The Philippines is much easier with regards visas, travel costs, and other associated factors.


You’ll be glad you did, whether you decide to move things forward or not!


5. Give Her the Benefit of the Doubt


Dating Filipinas online is no different to dating any woman from a totally different culture. You’re going to have misunderstandings and assign meaning to things where there is none. This can lead to communication problems and a breakdown of the relationship.


Always give her the benefit of the doubt and try to see the best in these situations. What you think her actions mean could be totally different in reality.


Of course, there are blatant warning signs (such as asking you to send large sums of cash to her), but there are lots of little cultural mannerisms, expectations, and norms which it would be a shame to let get in the way of a burgeoning relationship.


The best way to deal with these is to seek to understand. If something doesn’t seem right to you or has you scratching your head, try talking to your love interest and asking her about it.


Opening direct lines of communication and seeking to understand one another can only help you decide whether you’re right for each other or not. This is especially true in cross-cultural relationships.


Filipina dating by mobile


Dating a Filipina Summary


If you meet the right Filipina online you’re in for what could be the most rewarding relationship of your life. I’ve never met a woman as caring, attentive and genuinely happy as my wife, and I would love everyone to find the same in their partner.


Remembering the 5 tips above will set you on the right track and let you go in with your eyes open.


Best of luck in your quest to meet Filipinas online!



Meet Filipinas Online The Easy Way

Banking in the Philippines

online-banking-in-the-philippines

You have now made your move and decided to relocate to the Philippines. You will obviously want to have easy access to your money which is almost certainly paid into your bank back home. To do that, you will want to open a bank account here in the Philippines. Which bank should you choose here? A large, reputable bank is preferable.


All the major banks here all have slightly different rules and processes to open that bank account. There are many types of bank accounts including foreign currency deposit accounts. It falls outside of my expertise to advise you on which type of account you need so I suggest you research that and seek professional advice.


Opening an Account in the Philippines


The general principles in opening an account are that you will have to show proof of ID and provide residence details. Many banks will refuse to open an account if you are on a tourist visa without the ACR card. Once you have that card, then there should be no difficulty opening an account. The process at the bank can take as little as 30 minutes or so and you usually have to wait several business days before you revisit the bank to collect your new debit card. Again, the rules differ from bank to bank, but generally you have to be a customer of the bank for at least 6 months and have a land-line in your name before you can apply for a credit card. I would suggest checking the web sites of all the major banks in the Philippines before you visit your local branch in order to open your account.


Keep your Bank and Credit Cards Back Home


The solid advice from the experts, which I endorse, is to keep your current primary account back home. It’s also a good idea to keep one or two of your home country’s credit cards active too. What about your address back home? Find a good friend or family member who is willing to receive your bank and credit card statements at their address. You can always check your statements online.


So what are the reasons for keeping a “financial footprint” back home? Simple really! You never know what the future holds in store. What if you decide to move back home, or are forced to because of reasons totally out of your control? Your accounts back home, whether bank or credit cards, will ensure you maintain your credit score. It’s a good idea to use your cards now and again for say online purchases, as it doesn’t matter where you now live but shows you are “financially alive and kicking”. In the event of a repatriation, voluntary or otherwise, this should ensure you encounter no problems with items like mortgages, car loans and almost anything else that requires borrowing money.


One of the advantages I found with retaining my home country issued cards was when I was dealing with the Apple Store. I discovered that using a Philippines issued bank card, whether debit or credit, locked me out of certain features of the store. Purely as an aside, it’s also worth considering a VPN to change your location to your home country to further ensure you benefit from features with online retailers that apply to citizens of the United States and the United Kingdom for example, but not to citizens of other countries. Yes, I know that’s discriminatory but please accept that I don’t make the rules!


A further consideration is this: there will be occasions you need to send money to friends or family back home and it’s far easier and cheaper to do this if both parties, you and the recipient, have accounts in the same country. Forget checks! A check drawn on foreign banks can take a long time to clear and it’s not unheard of for such checks not to be accepted at all by banks in the United States or the United Kingdom. Yet another advantage is that your U.S. or U.K. card also has a far greater chance of being accepted at any ATM wherever you travel in the world.


Online Banking


It’s not difficult to track and manage your home based accounts in this digital age. The days of trusting a close friend or family member to take care of your finances back home in your absence have long gone. Using any established bank or other financial institution, enables you to pay any kind of bill from your home country online and schedule money transfers to any individual or organization you wish in the same country as your home account. All it takes is a few clicks on the bank website after you go through the security log in procedures.


But to return to your Philippines bank account – the best advice is to keep sufficient in your new account for your regular payments in your new country. It’s also wise to have a separate savings account with the same bank as your “rainy day” money or “slush fund”. However, it’s also the wise man that keeps the substantial part of his savings in the financial institutions of his home country owing to the enhanced stability of the banking system in countries such as the United States and the United Kingdom. There are better protective measures in place for savers in the more financially stable countries of the world. Another reason to keep more of your nest egg back home is to do with stable currencies and interest rates. Historically and over the long term many western currencies have been far less volatile than some third world countries. Many savings vehicles back in your home country pay a rate of interest even on some checking accounts.


International Money Transfers


You still need to transfer your home based money to your Philippines account. By far the easiest way to do this is by using one of the many companies that specialize in international currency transfers. Like your online banking, this is also done with a few clicks of the mouse. If you shop around you will find out which are the most reliable, speediest and cheapest. You should closely examine the fees that are charged in conjunction with your actual rate of exchange. It’s no good transferring say $1000 for only a flat fee of say $2 then finding out you are not receiving a competitive exchange rate. Of course, these companies have to make a profit but make sure it’s not at your expense!


I’m sure these tips will save you a few dollars if implemented correctly. If you bump into me and that is the case, then buy me a cold beer!



Banking in the Philippines

Tuesday, August 23, 2016

5 Great Tips to Meet Filipinas Online

meet filipinas online

So you wanna meet Filipinas online, do you?


Welcome to the world of dating Pinays, some of the most beautiful and caring women on the planet. I’ve been married to a Filipina for 2 years now and life has never been better. In fact, several of my friends have decided to come to The Philippines in search of their own Filipina girlfriend within a few months of meeting her when I took her home to meet the family.


I’ve tried to taper their enthusiasm with a healthy dose of caution – not every woman here is the same as my wife! There are good and bad girls in The Philippines, just like anywhere.


Thinking about how to best advise them and answer their questions about how to meet a Filipina got me wondering – why don’t I just write an article explaining the top points of what I’ve learned after 10 years of dating in Asia?


So, that’s exactly what I did. Here are 5 tips to give you the greatest chances of success when dating Filipinas online.


Meet Filipinas Online – 5 Crucial Tips


1. Take Your Time


This might be stating the obvious, but you’d be surprised how many men sign up for a dating website to meet Filipinas online, who ticks all their boxes, and dives right in without a thought for the morrow.


Love is love, and when it strikes there’s very little you can do. One thing you can do, however, is let time do what it does best and give you some perspective.


The reason for taking your time are twofold.


First, those crazy brain chemicals that have you all over the place, eager with anticipation to fly directly to the Philippines and meet your new lady friend will calm down and level out and think about things clearly.


Second, you need at least 6 months to get to know someone well. I think this rule applies to dating anyone, anywhere.


The rules of online dating are the same as the rules of dating in the real world. Remember the old saying when dating Filipinas online – ‘Wise men say, Only fools rush in!’


2. Be Realistic


If you’re 58, have a pot belly and a few missing teeth, albeit with more than a smattering of charm, recognize the warning signs when a 19-year-old model caliber lady is interested in you. You have to be honest with yourself and honest with the woman you will talk with while trying to meet Filipinas online.


Sorry to take away your ego enhancer, but if you go down this rabbit hole you’re entering a world of hurt. Why is she interested in you when she could easily take her pick of younger men who know the name of Bieber’s latest hit song? You’ve got to be aware that there are lots of very poor, very desperate girls in this country who will do almost anything to survive, including rinse a sucker like you.


Let me be clear: NOT ALL FILIPINA GIRLS ARE LIKE THIS – FAR FROM IT! I’m not being a racist, a misogynist or a prick for saying it. It’s a sad fact of life and I’ve known guys who have been taken to the cleaners in a haze of love and emotion. I don’t want the same happening to you, dear reader.


Set realistic expectations for yourself and always ask ‘What’s in this for her?’ Understanding her intentions is a key part of successfully dating.


3. Look at Her Profile History


Before I settled down and got married I admit I to was interested in finding out how  to meet Filipinas online. During this period of my life, I learned to spot the girls who lingered for a little too long on those sites, and I began to learn that this meant one of two things: she is a serial dater or she has problems and moves from one guy to the next rapidly.


This is another reason for taking your time and getting to know both the site you are using and any ladies you talk to on there.


Be especially aware of ‘Off-On’ profiles. These are ladies who repeatedly delete and reopen their dating profiles. This should ring alarm bells in your head and cause you to ask yourself ‘What’s she up to?’


3. Meet Her in The Philippines


When you do find a fantastic woman who you really could fall for (oh, you will, believe me), at some stage, you will need to meet her to move things forward.


Start with video chats on Skype. This is much better than texting when it comes to getting to meet Filipinas online.


Dating and Asian Woman


Eventually, however, you’ll want to meet face to face. Coming to The Philippines is a great idea in and of itself. This is one of the most beautiful countries you’ll ever visit, and coming to meet a love interest is just the icing on the cake.


Meeting your lady friend in The Philippines is also a good idea because it will allow you a great insight into her, who she is, and her culture. There are actually many different cultures within The Philippines, so getting to know her city, her island, family and individual quirks is best done here in her home country.


Besides, you coming to The Philippines is much easier with regards visas, travel costs, and other associated factors.


You’ll be glad you did, whether you decide to move things forward or not!


5. Give Her the Benefit of the Doubt


Dating Filipinas online is no different to dating any woman from a totally different culture. You’re going to have misunderstandings and assign meaning to things where there is none. This can lead to communication problems and a breakdown of the relationship.


Always give her the benefit of the doubt and try to see the best in these situations. What you think her actions mean could be totally different in reality.


Of course, there are blatant warning signs (such as asking you to send large sums of cash to her), but there are lots of little cultural mannerisms, expectations, and norms which it would be a shame to let get in the way of a burgeoning relationship.


The best way to deal with these is to seek to understand. If something doesn’t seem right to you or has you scratching your head, try talking to your love interest and asking her about it.


Opening direct lines of communication and seeking to understand one another can only help you decide whether you’re right for each other or not. This is especially true in cross-cultural relationships.


Filipina dating by mobile


Dating a Filipina Summary


If you meet the right Filipina online you’re in for what could be the most rewarding relationship of your life. I’ve never met a woman as caring, attentive and genuinely happy as my wife, and I would love everyone to find the same in their partner.


Remembering the 5 tips above will set you on the right track and let you go in with your eyes open.


Best of luck in your quest to meet Filipinas online!



5 Great Tips to Meet Filipinas Online

Thursday, August 18, 2016

Philippine 13a Visa Requirements Explained

Philippine 13a Visa Requirements

So you’ve moved to The Philippines, fallen in love and now you’re married. Welcome to the club!


It’s time to take care of the practical side of living here permanently, and one way to do that is to obtain a Philippine 13A visa. This allows you to live here in the Philippines indefinitely and puts an end to those monthly visits to the hot and bothersome immigration office once and for all.


So how do you go about getting the 13A via? Let us explain via this handy FAQ!


Q. Who’s eligible for a 13A visa?


A. Anybody married to a Filipino. If you’re married (either here or abroad), you’re eligible.


Q. Where can I find the relevant law at its source?


A. A quick Google search for ‘Philippine Immigration Act 1940, Section 13’ will bring up the exact law. You can see for yourself exactly what it says. Alternatively click here.


Q. Where can I apply for the 13A visa?


A. You can apply in Cebu, Manila, and Davao. While you can’t apply in any other city as of the time of writing you can ask for further information there and immigration officers will be happy to help.


Q. How long is the visa good for?


A. The first issuance is good for 1 year, after which you will need to renew it. The second issuance is good for 10 years, giving you a long and enjoyable decade of hassle-free living in the Philippines.


Q. Do I have to be married or can I apply while engaged?


A. You’ll need to be married to get the visa, as an authenticated copy of your marriage contract needs to be presented when applying. If you got married abroad this will have to be done in the Philippine embassy.


Q. How long will it take after I apply?


A. Generally, you can estimate about 1 month from the time of application. This can vary so give or take a week.


Q. What documents do I need to submit with the application?


A. You’ll need the following:


  • A notarized letter of application from your Filipino spouse.

  •  A notarized general application form (yes, it should be filled in).

  • An authenticated birth certificate for your Filipino spouse.

  •  A copy of your passport showing your current visa (date of arrival must be visible).

  • Proof of savings of a minimum of $10,000 USD.

  • A clearance certificate issued by the department of immigration.

  • A barangay certificate attesting to the fact that you and your spouse live together as husband and wife.

  • Police clearance from your own country if you have been in the Philippines less than 6 months. A clearance certificate from the NBI will also be required if you have been here more than 6 months. Source.

  •  The appropriate fees, totaling around 20,000 pesos.

Q. What alternatives are there to a Philippine 13A visa?


A. If you’re willing to travel in and out of the country once per year with your spouse you can get a renewable Balik Bayan visa. This will not ever make you a resident of the Philippines but does entitle you to live here with your spouse for a year at a time.


While this is by no means to be taken as expert legal advice, it is a very good starting point information wise when it comes to applying for a Philippine 13A visa.


Whether you’re currently dating and doing your research or are already married and planning to stay we wish you the best of luck and a happy life in the Philippines!



Philippine 13a Visa Requirements Explained

Thursday, June 30, 2016

The Philippines - Retire In A Tropical Paradise

philippine-paradise-borocay

The Philippines is such a great place to retire, but few do, and that’s a shame. First of all, the people in the Philippines are different from what you may have grown accustomed to. There’s no sulky faces, no complaining.


Instead, the Filipino people are easy going and friendly and smile a lot.


For a first timer to the Philippines, you may just wonder if you have been magically transported to another dimension! Life is much more enjoyable here. The pace is much slower and the attitude towards life, work and love are much more relaxed.


If you want to quit the rat race and retire to a tropical paradise with pristine beaches, cheap living, and beautiful women, then the Philippines is the place for you.


Consider this; What will you get for $1000 in the US? It’s hardly enough to get a roof over your head, much less live a decent, enjoyable life. Why should your retirement years be spent turning every nickel and being relegated to dating divorced jaded women?


Back in the states, I was a 57-year-old man with alimony, two grown kids and I felt old. And I was treated like I was old. No one smiled at me, and I guess not many people gave a damn. Dating meant taking out divorced middle-aged women, who were always complaining about men, despite having let themselves go. Needless to say, I did not enjoy my life. I am telling you this because I think – no – I KNOW that there are many other guys like me.


Well, imagine waking up in a two story house, kissing your wife, and then getting up for an already prepared breakfast by your own chef. Later in the day, I get my driver to take me to my various appointments that I have. In the evening, we eat out in a nice restaurant or get the chef to prepare a tasty meal. I travel at least once a month and never have to watch my money. To me, this is quite appealing.


Of course, having money is only good if you have someone to share it with. Filipina girls are some of the most beautiful, sensual and kind women you could ever meet. Treat a Filipina with respect and she will make your life happy. I want you to think about this also. Are you satisfied with your life now? Be honest? I want you to know that there is another option.


12 Reasons to Retire in the Philippines


Following are 12 of the most popular reasons for an Expat to retire in the Philippines that I have encountered as a consultant on retirement.


1. An Expat can retire with more money in his pocket at the end of the month.


The cost of living in the Philippines is about one-fifth to one-fourth of the cost of living in the U.S. or the U.K

Consequently, a retirement pension buys more lifestyle for less money and permits the retiree to even have savings at the end of the month.


2. You can escape those cold U.S. winters.


The weather in the Philippines is similar to Hawaii. Although warm year around, it is a bit cooler during

the months of October through March, and then hotter during the period April to September.


3. You can escape the rat-race America and the UK have become.


We all know the pace of life in the 21st century is fast, fast, fast in the U.S and the U.K. However, in the Philippines, things move at a much slower pace, which reduces one’s stress level.


4. You can retire with one or two maids, and a driver.


The cost of a maid is approximately $40 monthly and the cost of a driver is about $60 monthly. Not only does the maid take care of the residence, but she will also navigate the weekly market shopping needs for the best and lowest purchase price for you. Having this kind of value added to one’s life for this small monthly amount of money is unheard of in the western world.


5. After 40 years of toil with no return, working on a job and always “running out of money before running out of month”, retirement in the Philippines reverses this.


Due to the low cost of living in the Philippines, one who retires there will find that due to the lower cost of living, one will always “run out of month before they run out of money”. This is a very delightful experience.


6. You will be able to go to bed every night and wake up every morning free of frustration and anxiety over a lack of money.


When one is continuously anxious about the lack of money, it leads to chronic stress which spills over into health and self-esteem problems. By retiring in the Philippines, due to the lower cost of living you can eliminate this stress from your life.


7. You can have your first and only wife be a beautiful and exotic Filipina. Or if divorced, you can have a beautiful Filipina who completes you rather than competes with you.


Women outnumber men in the Philippines, and due to low per capita income in the Philippines, Filipina ladies are attracted to foreigners with a steady pension income. Further, they are attracted to older foreign men than to younger foreign men. They consider them less likely to philander.


8. You will have great personal relationships that are full of love and friendship and true caring for each other.


Filipinos find themselves by being surrounded with others and having lots of friends. They are not independent people like those from the U.S, rather they are “joiners” and family people. You will develop many warm and lasting friendships while retired in the Philippines.


9. You can live in a male-oriented society, as compared to a female, feminist-oriented society where males are confused about what it is to be a man.


The Philippines culture is one where the man is looked at to be the leader of the family unit. The wife is taught from childhood the importance of being in submission to her husband. The Philippines is a male oriented society.


10. You can have nurses and caregivers readily available to care for you if desired.


One of the major vocations taught in the Philippines is nursing. Nursing schools and graduates are everywhere, with many of them seeking employment overseas. This generates a pool of highly qualified nurses readily available and seeking employment as personal nurses and caregivers, if desired, at extremely low costs compared to the western world.


11. You can live in a country where travel to exciting and adventurous locales in Asia is inexpensive.


The Philippines is very centrally located in Asia, with just a few hours flying time to Tokyo and Korea, a little over an hour to Hong Kong, a couple of hours to Bangkok, and a little over an hour to Singapore.

Airfares are highly competitive and there are lots of daily flights in and out of the Philippines. This makes for a fun retirement life full of travel and excitement, at a very reasonable cost, and with little pain of long travel times.


12. You can live in a country where elders are respected and treated with dignity.


Like other Asian countries, people are taught from childhood the need to respect the elderly.

While living in the Philippines as a senior retiree, you will be treated with respect and dignity unlike you can find in the U.S. or U.K. As an elder, you are considered to be wise and someone to listen to and learn from.


The Philippines has so much to offer American men looking for an escape to a tropical paradise. Most will never fulfill their dreams but continue pondering ‘what if?’.


Don’t get stuck. Live your dreams!


This was an  article submitted by a reader of RTTP. If you would like to have your article featured on our site, please feel free to submit it via email and we’ll take a look.



The Philippines - Retire In A Tropical Paradise

Monday, March 21, 2016

5 Things You Better Ask Before Entering a Cross-Cultural Marriage in The Philippines

getting-married-philippines

Last year I got married to my beautiful wife, K.


I’m from Ireland, and she’s from The Philippines. We’re both in our early thirties, and we love each other dearly.


But boy are there some questions I wish I’d asked and some things I wish we’d talked about before we tied the knot!


Don’t get me wrong, I have absolutely zero regrets and I would do it all again in a heartbeat, but trust me, if you’re going to marry outside your own culture, you’d best straighten these things out, because they will come up later, and then you will stare at each other like alien creatures with several foreheads and wonder what the issue is and why the other person doesn’t understand your perspective.


Talk these things out before they become an issue. Then make the decision based on what’s best for both of you.


Here we go….


Gender Roles


Coming from the Western world, I was accustomed to thinking that helping out by washing dishes after dinner and doing a bit of housework would make my wife happy. You can imagine my confusion when she got angry at me and frustrated by the fact that I was ‘in the way’ and ‘not doing it correctly’.


Yes, that’s right, I was being chastised for doing what I thought my wife wanted and what I’d heard my mother and sister wish their husbands would do for them at home. It turns out that in my wife’s culture a man doing housework is unacceptable, and he is expected to do no more than a few things in a marriage: provide, protect, entertain and advise.


I took the opportunity to never have to do housework again with open arms, but I advise anyone entering a marriage with a Filipino spouse to have a serious chat about what is expected from both parties. Never assume that what flies in your country flies here. That’s rule number 1 on the list.


Ask: What is a man expected to do in a marriage? What is a woman expected to do? What happens if you violate the rules or fail to live up to them? Yes, you’ve got to ask these things you would take for granted by marrying in your own culture.


Family Order & Living Arrangements


Again, coming from the West we learn to be reasonably independent from a young age. We are given choices, advised, and generally told to make it on our own after we leave for college or enter the workforce. What then happens when we start our own families is largely our own business.


Not so in The Philippines.


I quickly discovered that my wife’s family expect to be informed of, involved in, and party to virtually every decision we make of any consequence. This deeply frustrated me to begin with, and I admit on a few occasions I wanted to tell them to go and leave us alone.


I’m thankful I didn’t, because the perspective they provide and the different way of seeing things and how they should be done is invaluable and extremely enriching. I personally value gathering different perspectives and analyzing things from multiple angles before deciding on something, but for those who would interpret this as interference or an encroachment on territory, this could cause serious problems in a marriage.


Another shock I got was that when we got married my brother-in-law moved in with us right away. I was gobsmacked and astounded, and I admit a little miffed. I interpreted this as my wife not wanting to spend time with me alone, whereas my wife intended it as someone to help us out with the stressful times ahead with a new baby on the way and me not having a clue where I was or how to even order a sandwich in the local language nor being able or willing to drive on the insane roads here.


As it turns out this move has been immensely helpful, but it could have blown up in the first weeks and months, and if you’re going to be living in your spouse’s country, it’s best to check what the family set up and living arrangements are, and again, never assume it will be the same as home or that the gestures mean what you think they do. This equally applies if you’re husband or wife moves to your country.


Ask: Will you live together without others? If not, who will live with you? Will you be expected to help out with the extended family? In what ways? Will your parents in law live with you as they age? These are all things worth checking and talking about because we can have vastly different expectations in regard to family life and how it should unfold.


Taboos and Norms


If you met your spouse in the Philippines you should already have a good idea of what’s cool and what’s not. If like me, you met your spouse in a third country you both lived in and moved here later, you will be utterly clueless and totally mystified, and will probably cause your spouse some embarrassment as you learn the ropes.


This can be a very entertaining thing, but it can also be annoying and can put stress on you both. Whereas we in the Western world we tend to question authority and ‘just because you’re older doesn’t mean you’re smarter’, in The Philippines questioning an elder in the family is an unforgivable sin and you’ll be seen as an ignoramus if you do it.


This is something you will need to suss out for yourself. Be aware of it going in if possible, and try your best to accommodate it without sacrificing your own values and individuality. It’s a tightrope walk at times, but it has to be done for your loved one and you would expect the same in return.


If you’re going to live here, then do as the locals do, but it certainly helps to know what that is to begin with!


Money


Yes, you knew it was coming, and it is one of the most important factors of all. Money is one of the leading causes of divorce everywhere and before you enter into a legal agreement with someone whereby you will be sharing financial assets for the rest of your life, you need to straighten out expectations and boundaries with the green stuff (it might be yellow, blue or even purple in The Philippines).


In some countries it is customary for both spouses to work and make a financial contribution throughout their lives, whereas in others it is much more the norm for the wife to stop working when there are small children in the equation, for a much longer period of time than you might be accustomed to in your home country.


Likewise, in some countries a spouse will be very understanding if her husband or his wife can not provide temporarily, whereas in others you will be expected to do whatever it takes, right down to leaving the country and working somewhere else where you will not see your children for extended periods of time, to put the bacon on the table.


You’d better talk this out up front. I lost my job once and my wife nonchalantly suggested I go and work in Ireland while she stayed here. I almost exploded at the thought that she found it acceptable for me to be apart from my son as he grew up, until I paused and realized that here in The Philippines there is a massive culture of overseas foreign workers, and while not quite the norm, it is both common and acceptable to have one spouse working in another country and sending back the finances to support their family. Again, those assumptions will get you!


Ask: Who’s going to earn what? What are you expected to contribute? At what times and in what circumstances is it OK not to contribute? Will you be expected to contribute to anyone else in the family? Will they be expected to contribute to you? All of these things need to be asked because you’re going to have to deal with them eventually.


Time


Time, you say? Yes, time!


You won’t realize this until you have children together, but even if you’ve been expatriated abroad for close to a decade like myself, the intensity with which you miss your family and friends back home is probably going to increase when you have kids.


If you live in The Philippines and are close with your family at home, it’s going to be hard for you when you see your little one bond with and have experiences with his or her family. Yes, it’s wonderful, but you’re also going to think about your loved ones back home and how they’re missing out.


You might even begin to feel guilty or sad about this.


You need to figure out where you’re going to spend your time and how to divide it up. This, of course, is going to cause a lot of distress to your spouse’s family if you decide to spend several months at home since you’ll be yanking a key feature of their lives away from them for a while. You need to find ways to communicate your intentions and make sure both your spouses family and your family understand the rules of what’s going to happen going forward and how everyone can be part of the kids lives.


There are real practical elements to consider here, as well as people’s feelings. How much will all this travel cost? Who will foot the bill? How will this affect your budget and financial plans for the future? Can anyone help out if they have expectations or demands and expect you to meet them? Ask these things now, and you’ll be thankful you did later.


Summary


A cross-cultural marriage is one of the most challenging, yet rewarding, escapades you will ever endeavor upon. You will be tested to your absolute limits, learn something new every day, and ultimately go to sleep at night probably more confused and mystified than you were the day before.


Yet, you will be richer in experience, wiser, and altogether better off for it. While the challenges are many, the rewards are equally great!


I hope this has been a helpful guide to cross-cultural marriage in The Philippines. It’s only the tip of the iceberg, and there’s a lot more to it than the above, but these are the basics and it’s best to get them out there in the open from day one.



5 Things You Better Ask Before Entering a Cross-Cultural Marriage in The Philippines