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Your R&R Cebu Philippines

Posted on : 03-12-2012 | By : Charles Harman | In : Retirement

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Several people have asked me where are the best places to stay in Cebu City area. I will showcase some of the top places to spend your R&R in the Cebu City area.

The first on my list is not fat from where I reside currently on Mactan Island. I will also cover a couple up north.

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1. Cebu Marine Beach Resort Mactan Island Philippines.

Located on the east coast of Mactan island is your perfect R&R location, Cebu Marine Beach Resort. When you first arrive in Cebu City you need a place to kind of unwind and get used to the 13 hour difference in time and simply relax in the sun and fun of Cebu. Here you will find a luxury resort comparable to Shangrila Resort & Spa also on Mactan Island but without the price tag. A standard room here goes for only P 2,500. Here you will find not only sand covered beach but an excellent fresh water pool. They also have a fine restaurant and comfortable rooms.

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CEBU MARINE BEACH RESORT
Lapu-Lapu City
6015 CEBU, Philippines

+63 (32) 340-5729
+1 (424) 249-8594 (U.S. Domestic voip number)
+63 (32) 495-5727 (Sales & Reservations)
+63 (32) 495-6332 (Facsimile)

http://www.cebumarine.com/index.html

Reservations: reservations@cebumarine.com
General Information: stay@cebumarine.com
Operations Manager: mommy@cebumarine.com
Information: info@cebumarine.com

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Deluxe Room

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More to come, stay tuned…

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Retiring Cebu – Quality of life

Posted on : 29-10-2012 | By : Charles Harman | In : Retirement

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Quality of life in the Philippines (+ and -)

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I decided to title this post “Quality of life” because things are actually quite different here from what you are used to in America or even Europe and many other countries for that matter. This can be quite a shock to some people especially if the US or Europe is the only place you have known. Your quality of life will definitely change once you are living here in the Philippines. In some areas the change will be more severe than in others, and you will have to adjust to those changes. For some this change will be unwelcome, but for others like me, can adjust to these changes quickly and learn to live with it. I am a very adaptable person and can adjust to new situations without a lot of trouble, even in extreme cases. As I had to in 1970 when I went to Thailand and lived in an open bay un air conditioned baracks. With temperatures in the 100s, that was quite an adjustment but I did fine and slept well. For some, those that do not adjust easily, this place can be a big problem. It is one of the main reasons some people give up and return to the USA. Read on for the rest of this story…

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Photo by Charles Harman Copyright (c) All Rights Reserved

The photo above is of an active volcano, these folks had to be evacuated just after we visited here in 2006 due to an eruption. Notice the cone has rebuilt itself, a sign an eruption may soon occur.

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Not Every Home Has an Oven -

One of the differences you will notice right away is that, most homes here do not have ovens. Only the wealthy Filipinos here will have one. I believe the reason for this, two fold, 1.) electricity is one of the most expensive utilities here in the Philippines, and therefore baking pies and cakes for many is simply cost prohibitive. 2.) Why not just walk down to the main street visit a local bakery and let them do the baking. I mean just about any street and you can find a bakery full of great baked goods. If I desire brownies all I do is send the maid out to buy some at the local bakery or hop on my Honda and go bakery shopping.

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Thanks to: http://www.dinneratsixthirty.com

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Frozen Hamburger Meat -

Another difference here is, you can’t find frozen hamburger patties like you get in most grocery stores or Wal-Mart in the US or other countries. The ones they do have here in the grocery stores and in Gaisano a major grocery and department chain in the Philippines are from China and do not look good to me. They are often brown in color, never have I seen a package that is a nice pink color. I think the reason must be there is no market for burgers here although this is changing. Sure they have fast food chains but the average Filipino does not eat burgers. If I want a hamburger I either have to send the maid to the local fast food restaurant like McDonalds for one or I could hop on a tricycle for 30 pesos and get one myself. And that brings me to McDonald’s. Where does McDonald’s get those great tasting burgers from? Well, they get them from Australia of course, shipped in frozen, and they taste as good if not better than the McDonalds in the US. So why can’t they just import frozen burgers from Australia you ask? Again there is not enough of a market for frozen burgers here is the only thing that makes sense to me. As to McDonalds, not every city has one, if you end up in a city without a McDonalds all you have is big-Mac, a street vender and JolliBee a fast food establishment similar to McDonalds. Restaurants just don’t serve burgers unless you are in one of the larger cities like Cebu City or Manila that has a T.G.I. Fridays or other US stile restaurants. I think eventually you will start to find frozen Australian beef patties in the grocery stores here because Burgers are starting to become a desired item even from the Filipinos, especially the younger Filipinos see below.

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This is the typical burger Pattie available in most grocery stores here, does that look appetizing to you?

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And this is what a good beef patty should look like, not brown but rather nice and fresh looking pink or red color. Suggestion: buy beef from the meat market, have it ground, them make your hamburgers from that.

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Charles in the Texas ball cap, Michael Board, his wife Michelle, and my wife Marianne in a Jollibee in Mandaue City on the main highway and near the main road that takes you across the bridge to Mactan. We have been here several times now.

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Big-Mac has frozen burgers that are thin and not near the quality of the US brands, they also look partially cooked and are a tan color, the taste is just not there either, and they are shipped out of China, who knows what’s in them. Your best choice here is to get fresh ground beef and pork mix it half and half for a tasty burger, and just make them yourself.

They don’t have Subway fast food restaurants here in Cebu City yet but there is one in Manila. Sub-Way is another of my favorites, I miss those great meatball sandwiches.

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Big Mak Not to be confused with McDonalds.

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Big Mak has burger and egg, ham and egg sandwiches.

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Going back in Time -

To me coming to the Philippines is like stepping back in time to the early 1950′s I imagine a lot of what I see here has not changed much in all this time. Even most offices here do not have computers and the workers are still using old style typewriters and keeping records on paper and paper books. City Senses is taken down in huge bound books. There are plenty of people here who either do not have expensive electricity or do but only for a couple of lights and maybe a TV. Streets are dimly lighted for the most part as are smaller stores. There are a few large chains like “Gaisano”, “Uni Top”, and “Prince Warehouse” that are styled after Wal-Mart; these are usually brightly lighted and full of products mostly from China. The images below are from Cebu City SM Supermarket a truly modern grocery store that resembles Wal-Mart.

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The Family Automobile, Motorcycles -

Most people here do not own a car only the wealthy or working Filipino and foreigners do. The main form of transportation here is the motorcycle, and just about every Filipino owns one. You won’t find many large displacement engines here either, as nearly all motorcycles are from 50cc to 150cc and not much above that. I could special order a Honda or Kawasaki with a larger displacement engine from around 600cc to 1000cc from Japan, but would pay for that in the sale price and import taxes for that motorcycle. Many foreigners here have purchased larger displacement motorcycles and you see them around once in a while. I have seen Harley Davidson’s and other larger bikes here also.

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Personal Computers -

Another thing you notice here is, most people do not own is a personal computer, that’s why you see so many “internet Café’s” here, we even own one in Bogo City which just closed it’s doors this year after more then 14 years of operation. There’s an internet cafe near you, actually one on just about every corner and they all seem to do good business.

Not like in America where Wal-Mart has turned many towns into ghost towns and shut down nearly if not all family owned businesses. You do see a lot of family owned stores and shops here, the free enterprise system is definitely alive and well in all of the Philippines. Many of the stores look like something right out of the 1900′s with names like “Rosekie Drug & General Merchandise”.

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Thanks to Paul James wowbantayan.com

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Quality of Education -

Most Schools here remind me of “little house on the prairie” although they are many rooms. You often see many grade levels in one classroom. Buildings are what we would use for a shed or a business in the USA in most cases.

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School Kids in their uniforms in Medellin Philippines, notice the school buildings in the background.

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Home Construction +

One change I do like is the quality of construction of homes here. And I don’t mean the bamboo homes; I am talking about the solid concrete homes that are everywhere here. Each wall has it’s own foundation of rebar and concrete which is a big change from how homes are built in the US. The walls are hollow block a sort of thin cinder block about 8 inches wide. As the wall is being built the blocks are filled with concrete and steel rebar then the exterior surfaces are covered with several layers of a mortar smoothed out to a glossy finish. These walls are so strong you can try to kick one in and it may break your leg but not the wall. Then the floors are poured with concrete over a flattened and compacted dirt floor; they seem to hold up very well. I had a 2000 square foot home built in northern Cebu in Bogo City built this way in 2004 8 years later it is still solid and nothing has cracked or settled. it has no wood in the construction other than the door frames, even the roof is made of steel angle and I beams and concrete cross members.

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This was our house in Bogo Philippines, it’s all concrete and steel, sold it this year.

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Water Utilities -

In most places in the Philippines water is at very low pressures because water is gravity fed from a large water tank on your roof. Only in the newer subdivisions do you see the US style water towers and pumped water at sufficient pressures to take a shower. Most homes and I do mean most do not even have hot water only a single 3/4 inch water pipe incoming to supply the entire house with a small electric pump to force the water up to the roof and fill that tank. Otherwise it is normally gravity fed into the homes resulting in low pressure. Some people have installed pumps to pressurize the water. In Bogo City, Cebu Philippines, the Bogo Water Department pumps it’s water at high pressure and taking a shower is a lot easier there. the funny thing you will see here is the 3/4 inch steel and plastic pipes running down the city streets and on the sidewalks supplying water to the homes. You can purchase on demand hot warer heaters for your home and they work just find for that hot shower. If you have enough pressure to feed that shower head.

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220 Electrical Grid -

Electricity is not near as clean and spike free as it is in the USA or Europe. In the Philippines brown outs are the rule and last from 30 minutes to 3 hours. The power often fluctuates a few volts up and down and it is can be seen in the house lights dimming and getting brighter. In more recent months, it has improved somewhat and I sometimes we go a month or more without a single brownout, in 2010 they were daily in Cebu City for about an hour each. Power supplied to each home is 220 and only 2 wire not three phase like in the USA. If I am standing on a tile floor and plug in my computer then touch the metal casing I feel a faint buzz from electricity leaking through my body to the floor it’s not a lot but you do feel it and I don’t like that buzz feeling. Ground wires are rarely used here. Be careful if you bring any 110 VAC stuff from the US as you will fry it if plugged into 220 I know I have fried a few by forgetting to use that step-down transformer.

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Washing Machines -

You don’t really need a washing machine here, although one is a help and your maid will love it. They will run up your electricity and water bill. Most go for Php 15,000 to around 60,000 or so. For around $50 a month you can afford to have a maid to wash your cloths, clean your house, and cook for you. If you carry a brief case they will be the one to do that also.A friend of mine a retired California police officer is living on a $1000.00 a month pension and even he has a maid. Enjoy your retirement, come to the Philippines…

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Getting Away from the Stress +

The best part of all this is, if you want the get away from the rushed busy life style with all it’s stress, and just want to lay back and relax you will love it here. Retirement is good here if you have the funds to support life here. If you are having trouble making that dollar stretch the entire month in the USA or Europe, especially you seniors, you will find it easy to do so here. Since it is so cheap to live here your worries are pretty much gone. Living pay check to paycheck is gone and life is once again pleasant. The Philippines is not for everyone though, for the most part it is the retired folks that can exist here. You need to be on Social Security or some form of compensation like a medical pension to have enough money to live here for a sustained amount of time. Rent is pretty cheap here, I only pay around $170.00 a month for a two bedroom living and kitchen apartment. Most young folks won’t be able to find work here either. The young folks that are living here have found a business that makes them enough money to get by like Chris from the UK who owns a 200 man call center in Cebu City, hiring all Filipino workers. I have heard of Teachers and College professors that came here to live and taught at the Universities. The upper education system is all English now. However jobs are mainly reserved for Filipinos, so don’t think you can come here and run out and find a job. Although there are jobs available for English speaking people like in a Call Center. Most Foreigners just start a business and make money that way.

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Want a Traffic Pulling Web Site Like This? Php 3,997 or $90 each
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My Website & Computer Services:
Website Backup Service – Php 497 (monthly), Php 5,597 (yearly)
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You Can Join this site, the link is on the right sidebar under “Meta”. Also please leave a comment so I know you were here, and answer the questions: What did you think of the information presented on this site? and If there anything else I should include? If you would like to include some of your own information Just join the site then please send me an email so I can upgrade your account to something higher so you can create your own posts

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All Posts on RetirngPhilippins.org

Posted on : 16-10-2011 | By : Charles Harman | In : Retirement

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241

Updated 01/20/2012

Ayala The Terraces Mall Cebu City #1. Malls in the Philippines are spectacular, some are 5 and 6 levels. More mall photos below the list of posts. You can get the Cheeseburger pictured below at this mall T.G.I.Fridays Restaurant.

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Directory

Directions: Click the link to view the desired post then click your back button to get back to this page. You can also bookmark this page so you can easily get back to it. you can also go to the top level menu the one on the black bar at the top look for “About” then select “All Posts” This page is dynamically produced with PHP code where as the below list is hand created by me by copying in the links from the PHP page.

20/01/12: Robbery on a Jeepney Watch Your Back

27/12/11: Starting a Business in the Philippines

23/12/11: Living in a Condo

22/12/11: You Don’t Need A Car Here

18/12/11: Expat Travel Videos

08/12/11: The Healthcare System in the Philippines

07/12/11: Move to Cool Baguio

26/11/11: Robinson’s Mall Ermita, Manila

25/11/11: Air Security

24/11/11: Bantayan Island Tours

23/11/11: Ayala Business Park Condos

22/11/11: Get Your Dental Work Done in the Philippines

21/11/11: Curious Combination (repost by Rusty Ferguson)

21/11/11: Is The Philippines The Place To Retire?

20/11/11: Reliable Taxi Driver Cebu City

19/11/11: Watch Your Medications in the Philippines

18/11/11: Room for Rent Bogo, Cebu Philippines

14/11/11: Laptop Overheating Can Cause A Fire

12/11/11: Favorite Restaurants

08/11/11: Keep Your Mouth Shut and Your Ears Open

07/11/11: Bacolod City

07/11/11: SM City Cebu

03/11/11: Titay’s Bakery Liloan, Cebu Philippines

02/11/11: Virgin Beach Resort Oct. 2011

02/11/11: Bantayan Island Trip October 2011

25/10/11: Philippines on 2000 Pesos a day.

16/10/11: All Posts on RetirngPhilippins.org

15/10/11: Updates

15/10/11: The Filipina Wife

07/10/11: Renting in the Philippines

02/10/11: Vacation with Affordable Dental Philippines

01/10/11: Php 3,997 Blog or Website, Get Yours Today

30/09/11: Our Friends

26/09/11: Fix for Leaky Roof

26/09/11: Around Cebu

18/09/11: Private Tour Guide – Island of Cebu Philippines

17/09/11: A Basic Life Style Change

16/09/11: Charles and Marianne – Our Story

11/09/11: Cebu’s Highways

09/09/11: Traffic Woes, Sounding off

02/09/11: Jeepneys (re-post)

02/09/11: How to get to Tumulak Village Mactan, Cebu

01/09/11: SM and Ayala Malls from Wikimapia.Org Very Cool

31/08/11: Signs2

25/08/11: SEO Search Optimization for WordPress and More

23/08/11: Philippines In The New Ice Age

23/08/11: Bantayan Island Paradise

20/08/11: Apartment for Rent Tumulak Village

20/08/11: Education in the Philippines

10/08/11: A Guide on How To Date Asian Women?

09/08/11: Build Your Dream Home on the Ocean

08/08/11: Getting Married in the Philippines

05/08/11: Real Estate Investing – Now is the time

05/08/11: We are also a Social Network

28/07/11: Beware of Identity Theft

25/07/11: Philippine Weather

24/07/11: Price Updates

20/07/11: Quality Guitars Cebu

14/07/11: Extending Your Visa

13/07/11: Current Philippines Breaking News

08/07/11: Discover Freemind

07/07/11: Expert Internet Marketing Help Is Just A Click

04/07/11: My place is pretty too!

04/07/11: Marianne Attends Southwestern University in Cebu City

04/07/11: MY TRIP TO VIRGIN BEACH RESORT JUNE 26, 2011

04/07/11: My Day in the Hospital

25/06/11: MONTHLY COTTAGE RATES AT VIRGIN BEACH RESORT, CEBU, PHILIPPINES

21/06/11: PROMOTIONAL PACKAGES AT VIRGIN BEACH RESORT, CEBU, PHILIPPINES

19/06/11: VIRGIN BEACH RESORT CEBU ROOMS AND RATES

19/06/11: Getting your 13A – Permanent Resident Visa

18/06/11: BANTAYAN ISLAND, CEBU, PHILIPPINES

15/06/11: June 2011 Move to Mactan

15/06/11: MALAPASCUA ISLAND, CEBU, PHILIPPINES

13/06/11: MUNICIPALITY OF DAANBANTAYAN, CEBU, PHILIPPINES

11/06/11: MUNICIPALITY OF MEDELLIN, CEBU, PHILIPPINES

10/06/11: MUNICIPALITY OF SAN REMEGIO, CEBU, PHILIPPINES

09/06/11: Money Matters – Your Banking Needs

08/06/11: Bogo City, The Main Market Town of Northern Cebu

07/06/11: ATTRACTIONS IN NORTHERN CEBU

05/06/11: ONE HALF PRICE SALE AT VIRGIN BEACH RESORT

05/06/11: cars, pros and cons

05/06/11: Air Travel to the Philippines

04/06/11: The Pig Business

03/06/11: Vehicles we have owned – Pros and Cons

03/06/11: Suzuki Minivan, My Favorite Car

02/06/11: Why Ex-pats In Cebu Should Learn Visayan

01/06/11: History of Virgin Beach Resort

01/06/11: My First Trip to the Philippines & How I Met My Wife

28/05/11: Happy Memorial Day!

25/05/11: Expats and relationships (my own experience)

23/05/11: Food Inflation USA Coming

23/05/11: Fashion Wear and Accessories

23/05/11: New to this site, but not new to the Philippines!

20/05/11: Getting married

17/05/11: Direct Express Card for Social Security Benefits

17/05/11: MLM Training Business Meeting

14/05/11: Joes business advise

05/05/11: Poverty, businesses in the Philippines, and you

03/05/11: Paradise in Palawan

02/05/11: Philippines and Slums

30/04/11: Expats, Money, and the Philippines

28/04/11: Jeepney and Cell Phones

28/04/11: Life on the beach

27/04/11: Horse fights!

27/04/11: Happy birthday

26/04/11: so you had an accident

15/04/11: The American Expat

10/04/11: Why Multi-Level Marketing (MLM) is good in this economy.

07/04/11: ATM 101

07/04/11: Expats and Clothing eCare Packages

06/04/11: How to start a Restaurant

03/04/11: Cool Zone Internet Cafe

02/04/11: How to be Free from Diseases and Live a Long Life

01/04/11: Home For Sale Bogo Philippines 2.8 M (Reduced from 3.7 M)

31/03/11: Expat On the Street Out of Funds Still today living off of donations

28/03/11: Hagnaya

26/03/11: US Dollar Philippine Exchange Rate

26/03/11: Covington: Why there are fixers – Part 1

24/03/11: Visual Philippines at Night

23/03/11: classic old time radio

23/03/11: Buy Gold and Silver, Store Food

22/03/11: No permit, no exam policy not allowed—Kabataan party, CHED

22/03/11: Happiness Diary

21/03/11: NUCLEAR POWER – The Philippine question framed by Archbishop Cruz

21/03/11: Blessings and Cursings- obedience and disobedience

21/03/11: Street Children of Cebu

20/03/11: Expat out of money and desperate Still happening today, I just gave him some cash to eat with

20/03/11: Your Eating Habits

20/03/11: Sitio Graje Antipolo, Medelian, Cebu

20/03/11: Veterans Benefits – Overview – Philosophy dating to The General Court of the Plymouth Colony, in 1636

20/03/11: Conduct an Initial Interview with a Veteran – Vets prep for this 1st meeting

19/03/11: Homeless children of the Philippines

18/03/11: Suzuki Celerio For Sale

14/03/11: Olango Island Medical Mission a Success – TY Mactan Rotary Club!!

13/03/11: Pray for the People of Japan

12/03/11: Volunteering – Meet People, Make friends – Experience the Culture

>12/03/11: Methods of Obtaining Citizenship (1) Birth within the United States

12/03/11: Ex Pat Medical Decicion Making – Planning for Incapacity (1)

10/03/11: Medical Missions Philippines – Outreach to Indonesia

09/03/11: A Very Special Comment

06/03/11: A wild journey from Alaska to the Philippinesreally

13/02/11: Children Born Abroad – Obtaining Citizenship

07/02/11: First Arival at Cebu

03/02/11: Be Street Smart

01/02/11: Take the Bus

31/01/11: The Sounds of The Philippines

30/01/11: Low Cost Dentistry in the Philippines

29/01/11: New Stuff on Retiring Philippines

24/01/11: Getting Things Fixed

20/01/11: It’s A Motorcycle World

03/01/11: Utilities

30/12/10: The 2010 Suzuki Celerio

30/12/10: Welcome to my Blog

22/12/10: Living like a Filipino

18/12/10: How to advertise on this website

14/12/10: Be careful with the electricity

03/12/10: Purchasing Land in the Philippines

23/11/10: Noise Pollution

28/10/10: Retiring Philippines Prayer List

23/10/10: Reliable Tax Help

21/10/10: Ants, spiders, lice and other bugs

18/10/10: What is a friend?

17/10/10: Retiring Philippines – Signs Everywhere

14/10/10: Charles’s Reading List

14/10/10: The Old Man and a Bird

14/10/10: Retiring Philippines – The Weather

07/10/10: Retiring Philippines – Getting Your Stuff Here

05/10/10: Larry and Argelyn Haydon’s Store

05/10/10: Retiring Philippines – Problem and Solution

05/10/10: How to get to La Aldea Buena Subdivision

05/10/10: Retiring Philippines – Enjoy the Fruit

05/10/10: Retiring Philippines – Calling Home

04/10/10: Retiring Philippines – Having a baby

27/09/10: Retiring Philippines – Getting There

27/09/10: Retiring Philippines – Who This Site is For

27/09/10: Retiring Philippines – More About Maids

24/09/10: Retiring Philippines – Expat Filing Your US Tax Return

24/09/10: Retire Philippines – Abbreviations for Everything

23/09/10: Retiring Cebu – Quality of life

13/09/10: Getting a Philippine Driver’s License

12/09/10: Retiring Philippines & The Philippine Government

11/09/10: Culture Shock – Ariving in the Philippines

10/09/10: Malls in the Philippines

18/08/10: Food and the Philippines

16/08/10: Philippine Architecture

10/08/10: My Thoughts on Making Money in the Philippines

02/08/10: 24 Hour WordPress3 Training & Web Business Marketing

01/08/10: Introduction to Retiring Philippines

27/05/10: Is God cruel, or Loving?

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Think about getting away from all the noise, pollution, and problems in the United States. Think about living again, breathing in that fresh air, enjoying the sun and fun, make your dollars stretch a lot further, get your meds easily, inexpensive medical and modern hospitals. Retire in the Philippines and live better life for a lot less. You can even afford a maid or two here as we do $40 – $50 a month. If you are not old enough for social security there are any number of businesses you can do here to make enough money to survive. If you are a teacher you can teach in the University’s, Otherwise there are few jobs for foreigners except call centers. Most foreigners just start a business, a store, internet cafe, travel buiness, MLM work at home. But most can simply retire on their retirement checks. Continue…

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All Posts on RetirngPhilippins.org

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Ayala Mall Cebu Cebu's Finest "The Terraces" #2

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Ayala Mall Cebu Cebu's Finest "The Terraces" #3

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Get it at Ayala Mall at T.G.I.Fridays Restaurant

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Private Tour Guide – Island of Cebu Philippines

Posted on : 18-09-2011 | By : Charles Harman | In : Beach Resorts Cebu, Business Service, Life in the Philippines, Restaurants, Retirement, Tourism, Visayan

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Private Tours – M&M Retirement Tours Cebu

Tour Guides: Marianne and Charles Harman
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Hello my name is Charles Harman, your tour guide and your friend while you are in the Philippines. Wouldn’t it be nice to have someone waiting for you in the Philippines standing ready at the Airport to pick you up and get you settled into your hotel? I am a Private Tour Guide for the island of Cebu and Bantayan Island in the Philippines. Just let me know when your flight is scheduled to arrive at Mactan International Airport and I will be there to meet you. After you go through customs and baggage claim and when you exit the building, just go across the street to the waiting area Just look for the guy in the Blue TexasRangers Ball Cap with the big “T” on it brought to me by my first tour of Cebu. Private Tour Guide is only $197 ( per day, Per Person, up to 4, Half off for Wife and/or children.) Even though you leave the US alone you will have someone here, almost like family, to help you along on your great adventure. I am a Texan displaced to the Philippines with my wife and three children.  If your wife is with you She goes for half price as do your children, however I am easy we can negotiate a good price for this tour even if you have several family members. Friends need to pay each as one person. Talk to me about your situation whatever it is. The tours start whenever you want that day to start and end I’m yours for 24 hours.  I can take you around to see Cebu City at night,  Don’t worry I won’t turn into a pumpkin at midnight. You can call me any time toll free at 1-571-970-9195, 520-1412 PLDT.

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.$197 Per Person, Per Day – Includes Ground Transportation and Tour Guide
(Up to 4 people, which is a correction to banner above)
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What is the difference in my private tour guide and the majority of the tours you see on the Internet? Basically most tours are a 1 to 4 hour tour of a specific list of places around the city. They pick you up at a predetermined location and time, take you around and drop you off at the end of the tour. If you see something along the way and want to take a look at, most tours will not stop to check it out, I will. I have been on planty of tours like this. What makes my tours so different is the fact that they can be customized on the fly. I will pick you up at your hotel and return you there at the end of the tour. I will be at your disposal for the entire day, that’s 24 hours. That means from when you choose to start your tour be it 6:00 am or 10:00 am, I will be there, and throughout the day more like family meeting you and taking you around. I can take you where you want to go or use a list of places to see (see below). I can customize your tour by your specific interests and desires. Interested in seeing first hand how the Expats are living here?  I can take you around to meet and talk with them. Want to see varous communities, I can do that also. Want to visit beach resorts or malls, that can be arranged as well.  Therefore my tours are very loosely scheduled and flexible. And I can stay with you as late as you want.  Want to take a Christian tour and visit missionaries and churches we can do that also as I am a Christian myself. I am a non smoker and non drinker. I am not easily provoked or prone to anger even on the roads of the Philippines. I believe you will be delighted with my tour.

Update: Take the tour “Go Natural” We, that is Bernard my Brother-in-law who is a Filipino and knows the city, myself and you will use local transportation as in Jeepneys, Taxi, and motorcycle to get around to the various tourist spots in town. Travel as the Filipinos do.

Call me toll free any time:
Cell: 0-923-908-9375,
1-571-970-9195 MagicJack (toll free from USA)
63 32 520-1412 PLDT Philippine Long Distance Telephone
Charles_Harman@rocketmail.com
charles.harman1@facebook.com

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Cebu City Day Tour – Queen City of the South 

  • Visit Fort San Pedro Location: South Osmena Boulevard near port area.
  • Magellan’s Cross Location: Magellan Street, across from Cebu City Hall, near port area.
  • Casa Gorordo Museum Location: Along Lopez Jaena Street
  • Santo Nino Basilica
  • Taoist Temple in Hollywood hills
  • Waterfront Hotel and Casino
  • Mountain Trek up the mountains near Cebu City

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Custom Tour of Cebu

  • Custom designed to your tastes and desires
  • Drive up the east coast of Cebu for a visit of some of the best places to retire on Cebu.
  • Visit Bogo City
  • Visit Medellin
  • Visit San Remigio
  • Visit Subdivisions
  • Visit Beach Resorts


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NAME DATE
Rick Ryan (Custom Tour) November 15th, 16th Cool
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Retirement Tour #1 November 15th and 16th Completed successfully.

Retirement Tour #1 (custom tour) Scheduled on November 15th and 16th 2011. Completed successfully.  Left to right Marianne Harman, Rick Ryan, Charles Harman, last dinner at Pier One in Parkmall Cebu City.

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Retirement Tour #1 November 15th and 16th Completed successfully The Band at Pier One Cebu City

Retirement Tour #1 November 15th and 16th Completed successfully The Band at Pier One Cebu City

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Disclaimer: The agreement between you the guest, and myself the tour guide is as follows. You agree to pay me up front $197 or Php 8,500 for the day’s tour and for each day of the tour before we head out each day. You have the choice to pay me up front for the entire tour or buy the day. I supply the vehicle and fuel only, and myself as the tour guide. If we travel to another island I Pay my fees and fares and hotel, and you pay your fees and fairs and your hotel costs. I do not pay for or supply you with food or snacks and drinks.
End of Disclaimer.

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Larry Haydon has taken my Northern Cebu Tour and had a chance to meet the mayor of Medellin Ricardo Ramirez pictured here.

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32-520-1412 (PLDT Cebu Philippines)

0-923-837-8509 (Cell Philippines)

571-970-9195 (USA TOLL FREE CALL)

Charles_Harman@rocketmail.com

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When I first came to the Philippines in 2004 I had my own tour guide with an Air Conditioned (Air-Con) 14 passenger van used to take us all over the place. Many trips to Cebu City from Northern Cebu. His rate back then was around $85 per trip. And that was usualy just to one place. One trip was from our house in Bogo, down to the Chong Hua Hospital in Cebu City and back. Php 4,000 for each trip.

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Mactan International Airport Baggage Claim Area just after going through Customs and Immigration’s.

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This is where I will pick you my Private Tour travelers just down to the left outside the Baggage Claim Area.

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Luxary at affordable prices – Goldberry Suites near the Mactan International Airport.

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There are plenty of five star beach resorts on Mactan Island and Cebu Island.

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For the Private Tours, you have the option of choosing a 2010 air-conditioned sedan at no extra cost or a nice air-conditioned van for the additional cost of $150 per day (leased). These are nice new Toyota Hi-Ace 14 passenger vans and are very comfortable and you have plenty of room.  (See photo of both at the new website, link below).  The structure of this tour is very loose, pretty much up to you where you want to go as long is it is on the island of Cebu. I will make some suggestions on the new website. I pick you up from the airport, Baggage Claim Area, transport you to and from your hotel and around the island of Cebu. I will be the guy holding up a sign that reads M&M Retirement Tours. At the end of your stay I will take you back to the Airport for your flight home.

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Map of Cebu, Main route runs along the east coast and is all two lane road.

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M&M Retirement Tours Main Web Site

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OK It’s Your Turn, So what do you think?

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You couldn’t pay me a million dollars to do this, I’m afraid of heights.

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Does that look good or what…. Have not had this here yet, probably will never find it at least not like it is in the USA…

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Traffic Woes, Sounding off

Posted on : 09-09-2011 | By : Charles Harman | In : Life in the Philippines

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Troubled Intersection, One of Many in Cebu City and Lapu-Lapu City.

We have a major intersection in Lapu-Lapu city near where I live that crosses another major intersection. (see photo above) During rush hour this intersection is impossible to negotiate from any direction due to heavy congestion of motorcycles cars and bicycles.  When the traffic cop stops the traffic in one direction, all the motorcycles squeeze out from between cars in the lanes and converge on the opposite lane completely blocking that lane. I was in a friends Suzuki multi-cab at the opposite end waiting for the traffic cop to allow us to cross the intersection. My friend said look there all the motorcycles have blocked the oncoming lanes so no one can get through, there was traffic wanting to make a right turn but could not due to maybe 25 or more motorcycles blocking the lane. We noticed one car was actually halfway up on the curb trying to get around the corner. When the traffic cop finally let us proceed, we crossed the intersection and found ourselves right up against a wall of motorcycles, and I mean we were right up against them. They had  just begun to move forward, we had to stop and wait for them to go around us. Personally I think this should be illegal, and the police should station several traffic cops at troubled  intersections like this and start ticketing these motorcycles. I bet that would put a stop to that bottleneck. It makes the traffic on the other lane stop because cars can’t make that right turn and you have a traffic jam. If the first motorcycle that moves over to the oncoming lane gets pulled over and ticketed the next would think twice about proceeding into that lane. If there are many already standing on the oncoming lane the cops should converge on them and start ticketing them, I bet most would move out of the way rather quickly and hopefully think twice the next time, to avoid getting a 200 peso ticket. You want revenue for your city here’s one small way to make some and get traffic flowing a little smoother.  In most countries you would not be allowed to do this yet here the traffic cops just sit there watching it happen while doing nothing about it. This intersection is a huge hazard just waiting for a fender bender to happen. And one crazed motorist could plow into these motorcycles taking out several at a time, not a good situation. I hope someone reading this is able to do something, but presume the situation will replay itself at each similar intersection throughout the city. Another thing that would help keep this from happening would be to install steel fencing in the center of these intersections keeping traffic in line. In other areas of Cebu City they have installed these fences to prevent people from running across the streets. Several deaths have occurred due to people being run over because they were standing in the middle of the road. Why can’t they install this type of fencing at these troubled intersections to prevent these motorcycles from even getting out of line and getting into the oncoming lanes especially areas that are not truck routs. If they did the cops could easily corner them and ticket them, they’d be trapped by the fence. The only problem I see with the fence idea is traffic wanting to make a right then an immediate left would have to go down the street and turn around to make that turn. But during the day you are not allowed to make a left into this intersection either you have to make a right and go down and turn around and come back to cross the intersection. This no left turn is in effect until 8:00 PM nightly, so I say why not the fence.

I received a 200 peso ticket recently because I was in the left lane that should cross the overpass but should have been in the right bypass lane, as I was going into the bypass lane. I was nice to the traffic cop because I realized I was in the wrong an paid the ticket later. But why don’t they place these traffic cops at these congested intersections so traffic can move more smoothly instead of the bridges looking for people in the wrong lane. I was actually trying to get into the right land but could not due to traffic beside me that would not allow me to get into the lane but I am not one to argue with a cop about anything just be nice and get through it.

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Just looking at it made me gain 10 pounds, but soooo good....

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Dreaming of Boracay

Posted on : 03-10-2010 | By : aceav8r | In : Retirement

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Allow me a bit of distraction.

Go with me while my mind drifts off.

I sit here (U.S.) on a Saturday morning longing for my next adventure.  By adventure, I mean a place that will change the channel in my mind.

Change the channel from the daily news, hectic work schedule, stress from working in a corporate setting.

Change the channel  (in my mind) to the sound of “white noise” caused by ocean waves rhythmically washing up on white sand.

To the sound of happy children, laughing in the distance without a care in the world.  Change the channel to the beauty of the filipina  being everywhere to behold.  Don’t forget the smiles, oh yes, the beautiful smiles of the people of the Philippines.

When you are surrounded by smiling people it is like the perfect buffer zone, insulating you from the troubles and cares of this life and the problems you have left behind.

Let me take you to a place I often visit in my mind.

A place of magic where even the memory of your troubles simply drift away

Boracay Philippines

Imagine yourself reclining in a chair made entirely of Bamboo.  You body rests against the handcrafted native furniture.   You relax as you fade into the tropical heat.  Leaning back in the chair under gently swaying palms,  your toes enjoy the luxury of the sugary white sand.  You look out from the refuge of the shade, taking in the breathtaking vision that is  Boracay Beach.  Not too crowded, not too loud, just a place to let your body and mind go limp as you re-charge yourself  feeling almost human for he first time in years.

You think to yourself “I’m a little warm” so you decide to go for a dip in the tranquil blue waters on Boracay.

The white sand sticks to your body, moist from a little sweat.  You anxouisly yearn for the refreshing waters.  You feel the warmth of the sand engulfing your feet as you stroll through the shade.  Your body breaks away from the safety of the palms and you feel the sand is strikingly hotter but still tolerable as you know that the ocean is but a few steps away.

The heat of the tropical sun makes the prospect of wading into the waters seem like a distant dream!

Nearing the water you feel the wet, soft, saturated, sand under your feet clinging like wet cement.  Your feet and ankles begin to experience the refreshing therapy of the ocean as you wade deeper and deeper into the clear blue oasis, easing your mind from any cares that formerly held sway over you.  Going  further you feel yourself boyed by the strength of the ocean, at the same time your spirit soars as you realize at last you are in paradise.

You immerse yourself in the blue waters, experiencing the silence and peace that comes from drowning out the world you have travelled from. Coming out of the water you are refreshed like at no other time in your life!

Turning back to  the shore your eyes are satisfied with  various scenes of beach life in Boracay.  You are now totally rejuvenated by the sea and heading back to shore.  Feel yourself growing heavier with each step as the sea releases you and gravity begins to take over.  This time the the hot sands of the beach don’t seem quite as hot as you head back to your chair.  The warm breezes that drove you to the ocean now cool you and make you comfortable as you take your place back in the chair.

Hey! Look!  Someone placed a couple of ice cold San Miguel beers right beside your chair.

Yes, this is really living!

Oh Wait!  I’m still at home!

My mind just keeps drifting off…

“Dreaming Of Boracay”…  was brought to you by Casa Camilla, Boracay Philippines



This is a guest post by Randall at the Philippines Project

Randall at The Philippines Project




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Retiring Philippines & The Philippine Government

Posted on : 12-09-2010 | By : Charles Harman | In : Retirement

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Does the Philippine Government want you to come to their country to retire? That’s a resounding yes, they even created a government entity just for that purpose, it’s the Philippine Retirement Authority (PRA).

The Philippine Retirement Authority (PRA) is a government owned and controlled corporation which was created by virtue of Executive Order No. 1037, which was signed by then President Ferdinand E. Marcos, on 04 July 1985. On 31 August 2001, through Executive Order No. 26, the control and supervision of PRA was transferred to the Board of Investments (BOI) from the Office of the President.

PRA is mandated to attract foreign nationals and former Filipino citizens to invest, reside and retire in the Philippines with the end-view of accelerating the socio-economic development of the country, contributing to the foreign currency reserve of the economy and by providing them the best quality of life in the most attractive package. More Info on their Page here.

SRRV – Special Resident Retiree’s Visa – Benefits for this visa are, being able to live, work and study in the Philippines, with the ability to travel outside and reenter the Philippines any time you like.

Exemptions from:

  • Income tax over your pension and annuities
  • Exit and re-entry permits of the Bureau of Immigration
  • Annual registration requirement of the Bureau of Immigration
  • Customs Duties and Taxes with regard to the importation of household goods and personal effects up to US$7,000.00
  • Travel tax, if you stay in the Philippines is less than one year from the last entry date
  • I-Card

As an SRR Visa holder, the PRA (Philippine Retirement Authority) can assist you in obtaining basic documents from other government agencies. These include, but are not limited to:

  • Alien Employment Permit
  • Driver’s License
  • Tax Exemption/Extension Certificate
  • Tax Identification Number
  • National Bureau of Investigation (NBI) Clearance

A retiree who applies for a Special Resident Retiree Visa (SRRV) has the option to enroll to the program based from his retirement status.

Retirement Option and their Required Time Deposit

1.       With Pension – 50 years. Old and above – the required time deposit is US$10, 000.00 plus a monthly pension of US$800.00 for a single applicant and US$1,000.00 for couple

2.       Without Pension

  • 35 to 49 years old – US$50, 000.00 time deposit
  • 50 years old and above – US$20, 000.00 time deposit
  • Former Filipino Citizens (at least 35 years old, regardless of the number of dependents – US$1,500.00)
  • Ambassadors of foreign countries who served and retired in the Philippines, current and former staff members of international organizations including ADB (at least 50 years old) – US$1,500.00

3.       A resident retiree can bring with him, without additional deposit, his spouse and a child who is unmarried and below 21 years old or if the spouse is not joining, two (2) children (provided they are unmarried and under 21 years of age.) Additional children with the same qualifications may also be allowed to join the principal retiree provided there is an additional deposit of US$15,000.00 per child. The said time deposit however, is subject the same and conditions with that of the principal deposit. This does not apply to former Filipino Citizens.

Note: The PRA Accredited banks agree to accept any acceptable foreign currency equivalent to the requisite amount for deposit in the accounts, provided that it shall be credited to the account as the United States Dollars or Philippine Pesos equivalent.

Register Here

This is not the only way to retire here. I came here with my Filipina Wife and received a Balikbayan Visa stamped on my passport when I arrived here with my wife. You must travel with your wife and she must be a Filipino citizen to qualify for this visa. When your year is up, you can leave the country and take a short 5 day trip to Hong Kong, Thailand or any of the Asian countries, remember you are already in Asia so the trip is only 3 or 4 hours out to most Asian locations including Japan and China.

If  you arrive here by yourself and wish to remain here you will end up with the standard 21 day visa, of which you show up at Immigrations on or before your 21th day and get a 59 day visa. If late you will face a small fine. This visa is updated every 59 days and that will run you around P 6,000 each time, it used to be 1,500. This equates to P36,000 or $130 per year. This can get expensive, especially if you have a limited budget but not really too bad and you can do this year after year. When I arrived here in April of 2004 I did this for 2 years before moving to the US. If you want to leave the country and you have been here for more than 6 months you must get a “Exit Permit” This can be filled out at the local Municipality in your town and needs a photo attached.

More information on this can be found at the links below.

Living and Working in the Philippines
(Visa and Immigration Matters)

Travel.State.Gov US Embassy Manila

Giant Lizard discovered in the Philippines, it's a dragon...



Please Join this site, the link is on the right sidebar under “Meta”. Also please leave a comment so I know you were here, and answer the questions: What did you think of the information presented on this site? and Is there anything else I should include? If you would like to include some of your own information I will post it for you, send it along with any photos to mchfun@gmail.com – Thanks Charles


Charles Harman Charles_Harman@rocketmail.com 571-970-9195

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