A UK – Philippine family

Cebu,Philippines a British expat and his wifes experiences of life, the city and all.

Why Filipinas like foreigners August 30, 2008

Ive asked a lot of Filipinas this question and most have given similar answers. Many of the ladies I know have had rough experiences in life and some have became pregnant and others have just suffered with boyfriends or husbands who drink to much and play the field. Most people assume its down to money but the majority of women have never meantioned money. They are seeking stability above everything else not cash. The average filipina is shy, loyal, trusting and willing to go the extra mile to keep harmony in the family home aswell as take care of her husband. But the other reasons with the average filipina wanting to marry a white foreign guy is colour of skin. They love white skin and blue eyes. Also know and want theyre children to be Fil-Europeans or Fil-Americans for this reason knowing the children will be very beautiful.

So when you see a guy with a filipina wife dont assume there is something wrong with the guy or that the woman is just after him for his money because you know very little about the people involved if not nothing at all. Ive heard it said about me in the past and yet no one who has said it has even met my wife or understand why we are together. We are one of the happiest couples you will find and many of the mixed marriages are the same if people have married for the right reasons. Like me and my wife we love each other which is missing from a lot of Western relationships these days. Dont judge a book by its cover and dont think that there is anything wrong with this type of relationship because if your single not only are filipinas beautiful on the outside most are just as beautiful on the inside. You can find a wonderful wife or girlfriend in the Philippines and wonder why you hadnt before.

 

Expats and trust… August 30, 2008

Ive found over the time ive been in the Philippines that to many people put trust in other Expats. Although the majority of people will go out theyre way to be helpful and do what they can for you there are others that would see you as an easy target for making money. There are various ways that it happens from them overlooking projects for you while your out the country, someone charging for services such as private investigation at high rates because they know you need them. We also carry out a similar services mainly for women that “claim to be single” when infact they are married and living a lie and it happens more often than it should. If your worried about things with your “Internet partner” or simply what things are going on while your away we can look in for you.

Ive heard horror stories where someone left a fellow expat in charge of a home and car while they returned to theyre home country due to a family crisis. What happend on return was the house and car had been sold and the person who was supposed to be looking after both had fled the country.

The main reason i wrote this article is make people aware that although most things are positive articles on the Philippines Expats and Filipinos alike there are good and bad and although there is a beautiful paradise and an amazing life to be had that others only dream of just be cautious with investments and what you trust people with. As you could lose everything before you realise whats happening.

 

The best way to meet Filipinas August 28, 2008

Filipina is a word that is too commonly used to define females from the Philippines as a single stereotype like anywhere on this planet. Every woman from the Philippines is different and although they generally have strong family backgrounds westernisation is damaging a lot of the traditions and way of life of all Filipinos. I believe the West has a lot to offer the Philippines but i also believe a lot of the media rubbish and consumerism is damaging. Getting back on topic.

 A lot of people start with websites :-

i wont name them here as they are readily available elsewhere (they advertise a lot). But in amongst the good you will find scammers, people that lie about the true facts and the real truth is the scamming is becoming a cottage industry. Sending £250 / $500 doesnt sound a lot but get 10 guys thinking your wife material and regular allowances and top up money your laughing. The next thing that happens is when you finally go to meet they arent at the airport. No answer on the mobile phone and never seen again. The other thing is some of the woman are infact guys. But it can also work there are a lot of beautiful women looking for theyre ideal match out there but your going to have to do your homework to find who is real.

Holiday/Vacation :-

This can work but bearing in mind 2 weeks to meet someone is a very short time. Although getting new friends and getting to know more about the culture and way of life is an eye opener and this way i would strongly advise. Come here first and just take a holiday. You will meet girls at malls, hotels, restaurants and the difference is they are interested in you and more open for conversation. This isnt the west being shy isnt needed. A lot of people infact have text mates they just chat too. I would just advise visiting and making friends if things develop in the future then i wish you luck.

Expats :-

Expats are generally married to a filipina in the Philippines and although you may think this is a great way to meet bare in mind that doing this youve already created pressure. As the expats wife has “hooked” you up with a friend or relative. This can be a receipe for disaster as people will assume your going to hit it off and be an item. Not something i advise. I would advise meeting up with Expats to get a better understanding of the Philippines but thats about all.

The other thing that people forget is this isnt a race.. there is no rush and having holidays in the Philippines or anywhere else in asia you can meet beautiful women everywhere. So you dont need to fall for the first one or infact you can just stay single.

 

Living the dream August 27, 2008

My previous life basically involved getting up going to work, gym then home. Same routine different days social aspects were a lot of bar drinking and night clubs. I had a lot of interests in doing sports but the truth is facilities are expensive and full a lot of the time near where i lived so generally didnt go. My previous relationship was over  after 11 years and after finding that i hated the life i had and the fact i hadnt achieved anything i wanted due to “settling down” and slipping into the way my ex wanted to do life i was really living my hell. I had been active all my life and slowly that had been whittled away to nothing. My now ex had her hobbies and the fact the bills were all covered by me left the issue that quite simply we had little financial space to manouver and she was content she had what “she wanted” her horses, a house and part-time work where i was working 10 – 16 hrs a day and covering call outs evenings and weekends. We argued a lot and pretty much it wasnt worth living. The had been something happen in our life which changed everything a 2am meeting my ex had with someone she worked with. Im not being clinical but i have issues with sex partners if they ever had sex with someone else while in a relationship quite simply i cant have sex with them again. Quite simply i no longer see the person that was once my partner. In a nutshell its over.

Well the ending was the beginning of my new life.  I felt guilty because of leaving not because of my ex but because we have a daughter together and anyone who knows me will tell you i love kids and the effects on her hit me pretty hard. But i justified the fact that now there was no arguing and my financial freedoms were back i can rebuild a better life for everyone. I cut my life back to the bone financial freedom originally come at a cost a lot of arguements over cancelling phonelines, satellite TV, TV license, insurance, etc etc. But the truth is i had paid everything for years and now i cut free i wanted my life. To many people go through life giving in for an easy life there is no such thing. If your giving an inch youve already given a mile and it wont change because your ex or soon to be will know she can bully you or blackmail. You just have to say to hell with it and throw everything in the air and wait for things to fall into place.

I moved in with a friend of mine for a while and eventually moved from there back to my parents i wanted to maximise my income. Career changes happend i went from an Engineer to a contracts manager and started to see my salary increase over time. I did go through a bad patch with a Filipina who seemed either mentally unstable or just trying to rob me blind either way im glad thats over. Then I was editing a profile for a friend of mine who was struggling on a dating site and a photo appeared of a beautiful woman. I sent her an email via my friends account asking her to email me and gave my email account. She nearly got banned. But soon enough she gave me a yahoo and i had waited a few days in my spare time for it to appear on my list then on day 3 her yahoo appeared and we started chatting and have spoken everyday since. We had a few major things happen in our life that drew us closer together the facts are private and i may right something on this time in years to come. But i flew out September 2007 to meet April for the first time didnt know what to expect and had just decided you only live once hopped on a plane and that was it.

Every step of the journey we kept in touch. “Hi my love im in London”, “Doha”, waiting at immigration. Then as i headed to the exit doors of the airport i seen around 60 taxi drivers touting for business and on the other side of the road maybe 100+ people waiting for relatives. I looked around couldnt see April she had told me she was near the vending machine but i couldnt even see the machine. I turned to the left where it was quiet and texted “Where are you?” and my location. A reply came back “ive seen you” and as i looked over to the other side of the road a beaming smile i had seen on the internet shined through the crowd if its something to go by i seen my now wife through at least 100 people instantly. The same thing happend to both of us we were more than happy to meet each other for the first time. April was pretty much speechless and after cutting through the crowd there was a group of relatives to meet me. An aunt,uncle and cousins we headed off to a Pizza restaurant to eat as our first port of call. The strange thing in meeting for the first time and it occured to me as we sat in the restaurant it was like we had been together our whole lives. We sat together and things were like a couple that had been married for years. Both happy to finally meet each other but most importantly content with each other first signs of love had already started to rise.

We headed over to the family compound in the back of uncle Jimmys multicab which was a bit uncomfortable due to my height. But my mind was somewhere else and i was surprised and honoured so many people made the effort to come and meet me it was unexpected. I met more relatives at the compound and then we headed off to the hotel as it was getting late. April had found a resort not far from the compound and as April was still working it gave us a bit of space but also anything April needed for work the next two weeks were amazing we spent as much time as possible together and if April was at work we texted constantly. Jovie Aprils sister was my guide for the 2 weeks and took me to all the local malls etc. Im proud to have such a kind hearted and beautiful sister inlaw and just want to say thank you for that time. Work got in the way a bit and April was pretty much tired during the week so i setup a special meal. I went out bought Crystal glasses, candles the works and set it all up in hotel room as a surprise. Problem is i didnt know the area well for food and it ended up that we had Jollibee take out for the actual meal with a bottle of wine. But as it was all a surprise it went well and was one of the best times we had together. Very simple but its what you do that counts. We are just happy around each other and many people have said how good we look together because quite simply we are happy making the other happy which makes us both content in life.

We had already travelled to Manila and back to get the paperwork processed at the British Embassy and I would like to that Aprils aunt for picking us up at the airport and letting us stay at her house hope we will visit again sometime soon. The two weeks we had together come and went too soon and leaving April at the airport to head back to the UK was one of the hardest things ive ever had to face in my life. My heart was in the pit of my stomach by the time i had reached Heathrow and by the time i had returned to Birmingham on the national express bus i was already planning my next trip. Within a few weeks i was back in the Philippines had quit my job and we got married. Its one of the most important decisions ive made in my life and also one of the happiest and proudest moments. I gained a  beautiful, intelligent, loving and caring wife and my new life had begun.

The months we had over the winter of 2007 (if you can call it winter its the tropics!) were amazing and i got to see Christmas and New Year Philippines style which is very simple but gives the real meaning of things which have been lost in the West . The Christmas is to do about thanks to others and giving away gifts to others less fortunate and New year the fireworks were simple but they were more fun than the UK due to the majority of them unlikely to pass safety requirements in the UK either.

 

It was during this time we started to make plans for our future and thats where we currently are. We bought our lots, some pigs, a scooter, a multicab pickup and thats where we currently are in life. Im working in the UK for 4 months at a time as we build the house and piggery up. Hopefully within a year or two will be able to stay in the Philippines with my family for good only coming back to make some money for expansion.

I dont suffer with stress, im content, happy, have a loving wife and looking forward to a bright future in a place i call home “CEBU, PHILIPPINES”. Life is too short to sit and hope its going to get better you need to make it happen and make it happen today. You dont have to have a lot of money (but it helps) the main things is doing it early so you can start developing a future.

I would like to thank my wife for putting up with me. I know im a bit of a nightmare sometimes and i know i make you worry a lot more than i should(4 Scooter accidents involving no brakes and refusing to goto hospital with Dengue are all recent events aswell as the multicab going into a full skid and ending up on the wrong side of the road but thats another story). But i love you and missing you lots take care of Zoei for me and ill be home for Christmas.

 

Giving Blood in the Philippines August 24, 2008

After my recent illness its become a bit of a crusade to try and encourage others to do a bit for each other. Ive known people needing 13 blood transfusions to rid the body of dengue and this got me thinking, i never gave blood before. Why? Well simply i have a phobia of needles, a pretty bad phobia but ive had to have several blood tests since i got sick and although the thought of the needle made me feel worse than the actual needle ive decided  once ive been given the all clear to start doing my bit for blood donation not because i needed it but the possibility that i could have and the fact that a lot of people would have given blood and time to save my life. So im asking you to do what im about to start doing and thats to give blood at least once. Im hopefully going to be a regular the reasons being i want to help save lives. The other bonus to this type of system is you are given credits (someone may correct me on this) so that if you needed blood in the future you have already given X amount so in return you will be given “free blood” for the stuff you have given otherwise you have to pay.

For those of you with rare blood groups please get in touch with the blood doner service there is a network of people with rare blood groups in the Philippines and i ask you to please donate at least once as your blood group will be in short supply.

So where do you go and what do you do if you have a rare blood group? Well the Red cross is the place you need:- http://www.redcross.org.ph/Site/PNRC/Rh_Negative.aspx

There is also a Yahoo group for those of you that are willing to go the extra mile in an emergency and i always look at these things as the fact some day I or YOU may need them. So please take the time to look and decide if its something your willing to do. Giving blood, plasma,platelets, etc will save someones life and you may not feel it but you are literally a life saver.

http://groups.yahoo.com/group/SOS_Philippines/messages

 

Cost of living in the Philippines August 24, 2008

This is like most things it depends how you live. But i can give you the breakdown on our current running expenses to give you a rough idea. Rents change with a white face so always better to try and get people you know to deal with getting a rental in advance. The prices  below are “MONTHLY” not weekly

  • One Bedroomed house – P3,000
  • Water bill - P0 (deep well on property)
  • Electricity P1,500
  • Cellphones P600
  • House phone P600
  • Internet P1,000
  • Vehicle running costs P2,000
  • Grocery P8,000 (can be reduced if needed we buy a lot of imports like cheese at P250 per packet)
  • Beer P1,000 (This budget can fluctuate but generally ive cut back a lot)
  • Medical bills P3,000 (Expense of having a child currently going through all the boosters etc.)

Total P20,700 Which is around £230.00 per month we can clip back a lot. For example the vehicle running cost is based on using a full tank per month and infact most of the time we are only using P500 – P1000 Cellphone we dont use as much anymore infact i have a habit of leaving it at home to save carrying it. The grocery bill is based on our max it can be cut in half if we needed to. But our life style isnt like a lot of others we dont party every night infact we are happy just being at home spending time together. Some may thing we are boring but in truth we are just content with reading, cooking and general life. Im away from home a lot of the year so we enjoy each others company when we can.

I do have friends who are living at around £500 – £900 a month but they do go out a lot and maybe we will start going out more in the future but at the moment what is important is investing our money either in financial or businesses so that we can build up secure incomes.

Other factors effect your costs too such as location. We live in what would be called a province yet we are just on the outside of Cebu city. Rents inside the city itself for similar size would be around P8k upwards.

Food costs can also be reduced the further you live away from the cities but you may also find the selection gets smaller too.

Medical care i dont bother with quite simply you have to pay up front anyway just have an empty visa card instead.

Want an apartment or house then contact me direct as ill scout the areas for you within Cebu. Ill likely beat any price your getting online because they are all over inflated.

 

Philippines E-Books August 24, 2008

Ive purchased a few of the E-books when i first started out looking at the Philippines for business and to be honest i have yet to see one that offers value for money or information worth knowing. They are overpriced and lack content. If you want to find a new life, wife or anything else in the Philippines just drop me an email save yourself the money and if you think my advice is worth the money then you can donate. If you dont its fine.. My concern is to stop people being ripped off by poorly written E-books aswell as offer the right advice and for free… Save your money and dont encourage these merchants of dribble.

Ask away.. to mattwilkie@tropicalpenpals.com

 

Sari-Sari stores as a viable business August 23, 2008

Now if youve been to the Philippines you realise that Sari-Saris are on every street corner and theres a lot of them so how can you make one successful?

Firstly look at the products everyones selling they are virtually all the same. But there are a lot of products they “cant” sell because they are supporting family from the income and unlikely to ever be able to afford anything more than they already have so whats going to be different about yours? Well you can provide services well beyond the means of others :-

  • Digital printing service
  • Document photocopying
  • Internet usage
  • Bottled Gas
  • Bottled water distribution
  • Pharmacy
  • Imported Vitamins (they are very over priced in the Philippines!)
  • Hard to find items
  • Better stocked shelves
  • Other westerners in the area? Would be worth stocking import items.
  • Rice
  • Animal feeds
  • Frozen products, ice creams, lollys etc
  • These are a few examples of what you can do and there are plenty of franchises available wanting you to stock the goods. There is also a mobile fuel depot which is basically petrol pumps etc. All in a shipping container. You need to think big on this business as all the small sari-sari store are already giving everything else. Also you may be able to sell on to other sari-sari stores stock they wouldnt normally be able to provide but ill leave you to sort that out.

The most important thing you must not do is offer CREDIT as most people cant afford to repay you and if they are in debt to you they may lose face. Ive heard a lot of news stories lately relating to neighbours owing foreign nationals money dont get into this mess its dangerous and you will always come off worst.

 

Doing business in the Philippines August 23, 2008

Many times ive come across people asking advice on business in the Philippines either for themselves or to help a girlfriend or wifes family. Now you will find on most forums a pile of negative responses some are true but the majority if you look into them you will find the average person hasnt even operated a business in the Philippines and hearsay is the order of the day. Now speaking from experience ive seen both sides of things from relatives trying to steal even before a business has started to other relatives that will do what they can for you and not even ask or expect anything in return. The simple answer to the riddle is a business viable in the Philippines is its possible. Would a piggery work? Depends where you are same with a restaurant an internet cafe or anything else. The Philippines is a location like anywhere else on the planet it can succeed and also failures can happen. The difference is very few of the expat community actually meantion the success stories. This could be a mixture of reasons maybe theyve found a niche market and keeping it secret, maybe they arent interested in sharing all theyre info or it could be the negative posters outway the positive so why bother you will only get people shoot your words down. In any instance you need to look at business like you would anywhere in the world the main things being :-

  • What do you or your wifes family know about this type of business
  • is it viable
  • has there been a failed similar business nearby
  • can you trust the people who will operate it
  • are the people running it willing to adapt to western methods
  • are you going to have problems with local officials
  • is it prone to robbery
  • if your buying a business from someone else why are they selling?
  • Dont get loans use 100% liquid capital
  • do you know people that can help you with this business

Some of you are probably wondering about some of the above items well for robberies 24hrs internet cafes run the risk of armed robbery even though there is very little to steal its the 24hrs that makes them high risk. Loan rates are very high in the Philippines and business incomes are generally pretty low in return i done some maths regarding building a piggery and stocking from a loan at the first sales of the fattened pigs you would already owe the bank more than you have earned. Now i understand why most people are just going through life rather than building a business up. Corruption is  a major factor in the Philippines and not only expecting bribes but in severe cases murders can happen so picking a business that doesnt stand out so much is a good idea where possible. Regarding someone selling a business if its a foreign national they are normally leaving the country but the reasons may not be as obvious as they first admit. It could be the business  is failing or it could be that someone has threatend to kill them. It could also just be illness or any other number of factors either way go in with your eyes wide open if it doesnt feel right it probably isnt. Never buy on the spur of the moment. If its an internet cafe be aware of quiet times when the students return to the provinces for holidays. If its a restaurant visit it at several different times before even approaching the person selling.

Some of you may be wondering what do i know about business? a few facts about myself im currently a contract manager for an international company with a good salary. Im employed on “Experience and knowledge”. Several years ago i had a furniture and bed business i built up from £500 to £120,000 annual profit. Ive had many businesses over the years and although ive had to close some of them ive never made a loss at worst ive broken even as fads changed. Thats a better track record than most major company directors.

So why did i personally go into the Pig business? It started with my wifes parents they had pigs years ago before they worked full-time. So after recouping from the issues with the aunts and scratching my head to why they wouldnt let me expand the sari-sari businesses i decided lets give it a shot Aprils parents are keen and know what theyre doing, food is always in demand and just balancing costs is the major factors. Well its paid off we are near to selling our first stocks and will begin increasing stock each month from next week. Ive based my “retirement” on a figure of P80,000 per month which is the same as the president of the Philippines salary if its good enough for her its good enough for me. Its obtainable by increasing the pig stocks upto around 100. In the future we will be expanding into goats and other products. This is another area a lot of people are failing at if you have goats why not produce milk or soaps? If you have pigs why arent you selling bacon or BBQ pigs? This is where YOU can turn a failing business into a small empire most people seek an easy life from what ive seen so putting the work in you can be easily doubling the income of what someone else is doing.

Now this is something i need “YOU” as a reader to do if you will please. We run a main site called Tropicalpenpals.com which has a Forum section i would love it if you would join and share your experiences and ask questions as i want to develop a CoOperative of not only expats but filipinos alike to help each other this hiding facts from each other just makes finding the missing parts of the puzzle harder but an open book policy will eventually help us all. Even shared shipments for exports etc.

http://www.tropicalpenpals.com/forum/viewforum.php?f=12

Most importantly “YOU WILL ALWAYS GET THE TRUTH FROM ME” i dont care if you know my ins and outs of business because quite simply im happy if you succeed. Especially if your in the Philippines because in turn your creating jobs and lets face it there is a lot of people out there needing them.

 

Economic Crisis in the UK August 23, 2008

Now many of you are probably aware that im not for the labour government as its messed the UK up for the for at least the next 2 years. Which if you look back through history they make the same mistakes time and time again and now its likely to be a 10+ year gap until they ever see power again as each election comes available they are being forced out and rightly so. They have pumped billions of pounds into the NHS mainly in wages with poor or no results. Which has left the pot empty and even the voters that they thought they had guaranteed via looking after theyre own in the teaching and health services are turning against them because the money they gave has just caused inflation. What they should have done is bought back things the country SHOULD already own. The gas and electric suppliers for example. They are now controlled by european nations that control who we buy from which is why the fuel prices are out of control. The crap Tony Blair came out with about “Champion new EU countries” what a load of rubbish. Europe has done nothing but weaken the UK economy. We pay a lot in for nothing in return. Prime example the “open passport policy for the EU” has allowed over a million workers to enter the UK to work and now the UK has hit a recession they are returning to Poland where the country is now in a boom. What has happened with the British workers are they in Poland??? No! because they cant afford to be. The UK is overpriced and overinflated they are upto the hilt with debt and mortgage prices they cant afford to work in Poland. The housing market plays to much in the UKs economy. A home should always be affordable without risking everything. Im glad ive left the UK and i doubt i will ever plan to set home here again. Most of the expats ive met are on similar paths. The government in the UK cripples the people to justify its mistakes. Do you see Tony Blair or Gordon Brown having a house repossed?? Infact Gordon Brown with his family made the trip to the Olympics at our expense. I hate him and all he and his party stand for they dont care about the UKs people they like most politicians are set on a course for self preservation and making as much money as possible for themselves. Hope they all burn in hell together. If your an expat looking to work in the UK for a few months may be worth you looking elsewhere as the unemployment figures are starting to grow.