Pros and Cons of Retiring/Living in the Philippines
Last activity 01 May 2024 by danfinn
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The more I think about this subject the more I seem to be persuading myself that the Philippines is not a great place to retire, contrary to what others think and every body is entitled to their opinion.So after reading some of the recent posts, I have broken it down into three big, big negatives. Firstly corruption, which seems to be everywhere in the Philippines. Secondly the amount of bureaucratic red tape just to do the simplest of things, and thirdly the Filipino attitude to learning new things and improving themselves...I just find it very hard at the moment, even to consider living in a country with these three problems. Eating rice three times a day does not help either. I am wondering if there is a better country to retire to although I would still want to be with my Filipina girlfriend and daughter. I understand Argentina and Costa Rica may be good choices. - @Cherryann01
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One can well understand your thinking, Cherryann.
But if one can say, don't let it upset you!  Thinking of retirement is meant to be an enjoyable past-time 
1. Corruption is endemic, so accept it. For a simple retirement, you won't face it all that often. But just ready to pay under the table. Set a limit, and go with their flow. Easy. Most things will only cost a pizza or two delivered to the office concerned.Â
2. Your second concern, the red tape is annoying, but can often be related to again, pizzas. It's just an obstacle course, that with time, you will get through eventually.
3. And in regards your third point, the Phils folk are always wary of new ideas, so just be ready to grin and bear through their obstinacy. Accept their old fashioned ways, smile whenever you're with them as often and sincerely as you can. And, you'll be much happier.
So as to the question, is the Phils a good place to retire? Well yes, on balance, a lot of people do find it to be so.
And numbers tend not to lie.
But you're wise to question any assumptions about different places to retire, as you are doing, and you have obviously been giving your decision some thought.
That's simply being very sensible indeed.
So, maybe websites such as https://internationalliving.com/the-best-places-to-retire/ maybe of help. This site has recently conducted a major study into the main world choices for locations for retirement, and found:
"The World's Best Places to Retire in 2022 are:  10. Uruguay · 9. Spain · 8. Malta · 7. France · 6. Ecuador · 5. Colombia · 4. Portugal · 3. Mexico · 2. Costa Rica · 1. Panama."
Of interest, the Philippines is not on their list ... for whatever reason, ... and for whatever that may mean
So I guess what I'm saying is .. get lots of info, as you are obviously doing .. and enjoy your selection process!
3. And in regards your third point, the Phils folk are always wary of new ideas, so just be ready to grin and bear through their obstinacy. Accept their old fashioned ways, smile whenever you're with them as often and sincerely as you can. And, you'll be much happier.
Yes most MALAY Filipinos. Thats why I chosed TRIBE Filipinos.
Foreigners, who rent and dont have business, dont need to bother much about officials,
and if living far from neighbours then dont need to bother much about common Filipinos neither  
I dont remember how I got contact and came to chat with him 2 years ago, but he is a foreigner, who live in the Palawan djungle with almost no contact with the world, but when we got contact he had went to a neighbour and borrowed internet. He didnt even know about the covid restrictions, inspite of it was much back then, so I needed to tell him, about the restrictions where HE live Â
"The World's Best Places to Retire in 2022 are:  10. Uruguay · 9. Spain · 8. Malta · 7. France · 6. Ecuador · 5. Colombia · 4. Portugal · 3. Mexico · 2. Costa Rica · 1. Panama."Of interest, the Philippines is not on their list ... for whatever reason, ... and for whatever that may mean- @PalawOne
! Many of these countries are among them I SKIPED as alternatives among FIRSTÂ Â 
because of the strong drug cartells
and in some SouthAmerican countries people are scared of strong German NAZI influences STILLÂ I saw a documentary about it recently but dont remember which parts where in which country of Argentina, Chile and Uruguay, but they talked about situation about Nazis in all three NOW.
Spain I skiped because it can be 200 meters deep to reach water in own well.
The more I think about this subject the more I seem to be persuading myself that the Philippines is not a great place to retire, contrary to what others think and every body is entitled to their opinion.So after reading some of the recent posts, I have broken it down into three big, big negatives. Firstly corruption, which seems to be everywhere in the Philippines. Secondly the amount of bureaucratic red tape just to do the simplest of things, and thirdly the Filipino attitude to learning new things and improving themselves...I just find it very hard at the moment, even to consider living in a country with these three problems. Eating rice three times a day does not help either. I am wondering if there is a better country to retire to although I would still want to be with my Filipina girlfriend and daughter. I understand Argentina and Costa Rica may be good choices. - @Cherryann01`One can well understand your thinking, Cherryann.But if one can say, don't let it upset you!  Thinking of retirement is meant to be an enjoyable past-tim
1. Corruption is endemic, so accept it. For a simple retirement, you won't face it all that often. But just ready to pay under the table. Set a limit, and go with their flow. Easy. Most things will only cost a pizza or two delivered to the office concerned.Â2. Your second concern, the red tape is annoying, but can often be related to again, pizzas. It's just an obstacle course, that with time, you will get through eventually.3. And in regards your third point, the Phils folk are always wary of new ideas, so just be ready to grin and bear through their obstinacy. Accept their old fashioned ways, smile whenever you're with them as often and sincerely as you can. And, you'll be much happier.So as to the question, is the Phils a good place to retire? Well yes, on balance, a lot of people do find it to be so.And numbers tend not to lie.But you're wise to question any assumptions about different places to retire, as you are doing, and you have obviously been giving your decision some thought.That's simply being very sensible indeed.So, maybe websites such as https://internationalliving.com/the-bes … to-retire/ maybe of help. This site has recently conducted a major study into the main world choices for locations for retirement, and found:"The World's Best Places to Retire in 2022 are:  10. Uruguay · 9. Spain · 8. Malta · 7. France · 6. Ecuador · 5. Colombia · 4. Portugal · 3. Mexico · 2. Costa Rica · 1. Panama."Of interest, the Philippines is not on their list ... for whatever reason, ... and for whatever that may meanSo I guess what I'm saying is .. get lots of info, as you are obviously doing .. and enjoy your selection process!- @PalawOne
Thank you for your detailed reply, I found it very interesting. There are a couple of countries on your list that did surprise me a little and ones I have not seen on a list of "Best Countries to Retire" before. France surprised me the most, I can not see the cost of living there being cheap. Malta also surprised me but that one makes a little more sense. Portugal is absolutely lovely and seems to have everything somebody would want and Spain is very popular with the British.
Mexico, I hear is the new Colombia regarding drugs along with Peru, Colombia seems to have taken massive steps over the past 10 or 15 years to tackle it's drug problem and the rest of the countries on the list, I have heard of before.
When I watched the you tube video of retiring in Argentina I only saw the one, just caught my eye, so I checked it out and it does have a lot of appeal. Rather than a tropical environment, Argentina is similar to the UK with four distinct seasons (Not sure about Patagonia). The video I watched also mentioned that like the UK, free Health Care is available to all, including Ex Pats (It did recommend taking out private medical insurance though). All in all it looked like a good place to retire.
I think over the next few years, places like Latvia, Estonia, Lithuania, Hungary and Poland could make the top 10 also. Give unlimited wealth, Austria would be my choice but we can't have it all.
One further thing that I should mention is that unlike a lot of people looking for their ideal retirement place, a hot climate and access to beaches are not a requirement for me, hence Austria, lakes and mountains, walking in summer, skiing in winter.
Stop it Bob - I've just had breakfast
Noice
Concerning noice coming from humans and their animals, that can be SOLVED just by living far enough from them. The minimum distance can be shortened by having something sound reducing in betweeen as a forest,
But LOCK UP to not chose to settle at a location close to a noicy e g monkey group Â
coach 53 said: Spain I skiped because it can be 200 meters deep to reach water in own well*************************************************************I would just call up the water company and have the water on.- @Enzyte Bob
You go on proving you - and your supporters - are stupid, but you are very good at writing BS posts  
I have told many times I want to live faaaaaar from neighbours, so it would be even more far from water companies...Â
At one real estate I thought a bit if buying, there would I have become the "water company" by that real estate had a a covered spring to where neighbours came and fetched water too (which made I didnt like it because I dont want people come to my land except for special occations.)
I find this post useful. I’m considering our next move next June 2023.Phils or back to the States are the considerations.I’ve never been to Phils. Just the States and my current South Africa residence. I’m due for a move next June 2023.I’m 72 y/o with a much younger Filipina. Both of us are professionals - she a Civil Engineer with me a PhD ( Economist).With these inputs one is likely to strongly consider returning to the North Central Region of the States. This is her preference, which I was also considering.Corruption remains a mess. No justifying it however apparently enabling. Two pizzas or several hundred millions of dollars, so-called ‘success fee’, on an aerodynamic contract. Unfortunately, it’s a way of life couched in various guises, including in corporate tender bids.- @aerotoolkitr
For EMPLOYMEMENT of your WIFE is USA much better than Phils,
while economists have possibility to work from ANYWHERE through internet (as e g I have done many years).
BUT potentials for BUSINESS and INVESTMENTS are much better in PHILIPPINES. (I mean if knowing what you are doing  and I suppouse you do by you are economist.) Specialy if having capital, which is valued much higher than work in Phils when counting shares.Â
 and I suppouse you do by you are economist.) Specialy if having capital, which is valued much higher than work in Phils when counting shares. (E g in Phils its common with "Harvest sharing". Depending of e g how work intensive the project is but for rice its common farmer provide land and work while finansiere pay the costs EXCEPT the work. (In some deals pay the financiere some in advance though for work.) Common deal is financiere get money back plus 25 - 33 % of the rest. (In the best (rare) cases have the harvests been so good so investort almost doubled the money in 4 months, but harvests cam fail too.Â
An other example is a Filipina, who called me and was sad because she had lost around 45 000p by giving credfit for LIVING costs to people who disapeared without paying her. I asked her a question to make her understand how to judge risks plus recomended her to only get clients who will EARN by her financing. She followed that and after a while sher only needed to work 2 - 4 days per monhs collecting her shares   spending other time to travel and visit family and friends.)
 spending other time to travel and visit family and friends.)If offering an American to finance for a 30 % share and he doing all work, he would probably say "No way"
while if offer a Filipino a 50 - 50 such deal they say "YIPPIE!"Â Â Â
Perhaps you can COMBINE your skills and start a business in Phils in which your wife's skills would be needed?  Phils is sure short of skilled Engineers... Its an other question if you can find enough of interesting paying customers. Some such can be solved though by KNOWLEDGE and better equipment making own business much more effective than competition and by that earn GOOD from just normal in Phils low paying customers...
(E g in the businesses I have started in one very few Filipino OWNERS of such businesses know an important handling!!! sSo they get bad production - and want to sell their businmesses to e g me cheap   (One bought. Will probably buy more and merge them.)  An other production method I know function in other countries we are starting testing if it functions it Phils climate too to see if it functions good in Phils too. IF it does,, we can for a TINY equipment investment produce 3000 at same time competitions produce 100 - 400...
  (One bought. Will probably buy more and merge them.)  An other production method I know function in other countries we are starting testing if it functions it Phils climate too to see if it functions good in Phils too. IF it does,, we can for a TINY equipment investment produce 3000 at same time competitions produce 100 - 400...In our other business my business partner is in progress making a modified production equipment. (They are common but most are built wrong, so we build one from scatch.) IF it functions in Phils humid air, we can produce top quality much cheaper than the competition. If so we can even beat the cheapest chinese prices, which are 30 % lower than the cheapest I have seen in Phils, and earning good still. We are starting a small "test manufactory" now and if the modified equipment functions good we will exband it and invest in much faster machinery than them we test with.
While a third type of business we will probably NOT start because competition services ask CRAZY low prices, so we will probably just do such services for our own businesses IF we buy the equipment we concider buying just because the asked price is very cheap. And it would suit to the other businesses.)
- -
Not as high as in Phils, but corruption is high in USA too  compared to e g Northwest Europe.
 compared to e g Northwest Europe.@coach53I have told many times I want to live faaaaaar from neighbours, so it would be even more far from water companies...ÂI really don't think you have too much to worry about from neighbours - word travels fast in the Philippines- @Lotus Eater
Was that coment suppoused to be intelligent? Â
Inspite of you have claimed I am often wrong about Phils,
how come you have NEVER managed to correct me...?
You also need to take into account if you have children. Disease and lack of proper medical care is a nightmare. Education system doesn't meet minimum international standards either. It adds alot of stress to living in a third world country. I would have no issues with living in the Philippines if I didn't have children. But I have two now and we will be leaving as soon as my wife finishes college. My friend is about to have a baby and is also planning to leave after bearing witness to my experiences with my children. Notice those that hype living in a third world country never mention children.Â- @wrevans02
Well. A friend of mine moved back to Sweden because of geting better education to his children (but ended up with his Filipina wife did show her true crap side, left both my friend and their kids 
for a Swede she THOUGHT had much money, but he only lived AS IF he had, so he had big DEPTSÂ Â So my friend raised the five children by himself alone.
for a Swede she THOUGHT had much money, but he only lived AS IF he had, so he had big DEPTSÂ Â So my friend raised the five children by himself alone.BUT there are HUGE differences between Swedish and American schools:
/Danger. School shootings and schools need to check the students with metal detectors!!! Thats WORSE than Philippine schoolls... Sweden have NONE such. (The closest in Sweden is one stabbed.)
/Post highschool education. In Sweden such cost almost nothing so everyone, who qualify, can get such, while in USA many cant afford and many parents put themselves in big depts...  In Phils they have programs with combinations of study and work so even the poorest can finance themselves.. (E g I know a Filipino SQUATTER, who got two exams by that.) But I admit USA have better education than Phils    but NOT the best in the world as some Americans believe! (At least UK have better and based on how litle knowledge to many Americans show about language and the rest of the world, USA is faaaar from second best...)
  but NOT the best in the world as some Americans believe! (At least UK have better and based on how litle knowledge to many Americans show about language and the rest of the world, USA is faaaar from second best...)((I have SOLVED this for myself allready in Phils, If I get any children.
1. Get a clever wife  to make it probable the kids get it as easy in school as I, (I almost didnt need to do any homework during Elementary school, got good grades anyway.)
 to make it probable the kids get it as easy in school as I, (I almost didnt need to do any homework during Elementary school, got good grades anyway.)2. I have found a good elementary teacher in Phils - who CAN count percent    and kind of prepared requiting her  (Her dream is to get a bit own land to live at in the municipaly where I have such , she grew up in city but have relatives there.)
  and kind of prepared requiting her  (Her dream is to get a bit own land to live at in the municipaly where I have such , she grew up in city but have relatives there.)3. If not get solved as in p2, I had prepared allready kids go to the closest school to get local friends, but get homeschooling 1 - 2 days of the week to fill the gaps WITHOUT they need to spend more time than the others.
4. As soon as kids have learned to read, they can learn most subjects by themselves anyway if they are interested, if just get access to info, as I have done much.
5. Good if the wife has business mind too to add chance kids will want to have own business or work in the family business, which I have started allready without having as family   Then the kids DONT NEED any high EXAMS, which EMPLOYERS demand, while own businesses need KNOWLEDGE, which can be recieved OTHER ways. (I went to college one semester but SKIPPED, because I found them teaching to slow   I bought ONE of the books but didnt read it, managed by just listen to the lections. One of the subjects I skipped DIRECT when I saw the course DIDNT include the best method !!!(which I had learned tyears earlier, even before it was published by my gf back then was involved in making the tests. Instead of going to school I did study some subjects by myself without teacher and made the grade tests for wholer courses direct. (E g a Busiiness economy course others read 3 YEARS I did read 18 HOURS.) As kid I planned to become lawyer but changed my mind when I thought of its demanded to wear tie    (which it was back then) and chosed to aim at starting own business instead. Registered one allready in High school age and started an other full timer at age 24, when I had saved to start capital.)
  Then the kids DONT NEED any high EXAMS, which EMPLOYERS demand, while own businesses need KNOWLEDGE, which can be recieved OTHER ways. (I went to college one semester but SKIPPED, because I found them teaching to slow   I bought ONE of the books but didnt read it, managed by just listen to the lections. One of the subjects I skipped DIRECT when I saw the course DIDNT include the best method !!!(which I had learned tyears earlier, even before it was published by my gf back then was involved in making the tests. Instead of going to school I did study some subjects by myself without teacher and made the grade tests for wholer courses direct. (E g a Busiiness economy course others read 3 YEARS I did read 18 HOURS.) As kid I planned to become lawyer but changed my mind when I thought of its demanded to wear tie    (which it was back then) and chosed to aim at starting own business instead. Registered one allready in High school age and started an other full timer at age 24, when I had saved to start capital.)The reason I started thinking of starting any business in Phils at retire age, was to make so wife and kids have something to earn by "for ever" after I am dead (by teaching them to handle things themselves step be step when I retire step by step.) And the kids can get work in the family business without needing exams
Summary:
If being interested - as soon as can read, most subjects can be learned self if have access to info.
If having own business, then no exams are needed (except if needing a licence demanding such) just needing knowledge.
And as can be seen to often, high exams cant cure stupity anyway...Â
@coach53 said. . . .I have told many times I want to live faaaaaar from neighbours, so it would be even more far from water companies...Â***********************************************************************- @Enzyte BobI'm sure the neighbors appreciated this.
Well. Sure people as YOU appreciate it by they can avoid being shown stupid when they claim the oppositeÂ
BUT IF that would be true - How come many Filipinos LIKE to be "My private news service" in several years WITHOUT geting any pay...?
People I like, like me,
while crap people dont like me by I SHOW how much crap they are...Â
So you are WRONG as usual...
Private schools are the answer, and not expensive, but means living in a larger city. Kept me in Cebu for several years but worth it. Also the medical, dental are all better. By the way, a few medium sized cities like Dumaguete have care and schools that meet western standards also.- @pnwcyclist
Yes. Dumaguete is known for higher education - and retired expats Â
If you assist your kids with own business, they dont need any high exams. (Except if they want to become something, which demand exam to get demanded licence.)
Most Filipinos with high exams just get LOW paid employments anyway - if they even get any in Phils. Many examed are forced to become OFW to get work... (E g many nurses.)
((No way I would accept living in any city again. I did grew up in Stockholm, but left high paid employment as soon as I had saved a bit start capital to start own business.Â
(Except if bad health would force me, but then I would probably solve it by living OUTSIDE a city with good health care   There are nice rural places rather short outside e g Cebi city e g rather flat land in the "mountains".
  There are nice rural places rather short outside e g Cebi city e g rather flat land in the "mountains".Btw - if it wouldnt be to get friends - and for sport activities, not as fun to play e g basketball single - and to meet girls   - I would find home schooling full time much better.
- and to meet girls   - I would find home schooling full time much better.((Myself I could count and read BEFORE I started Elementary school, NOT by my parents drilled me, they didnt at all, it was I, who ASKED them things I wanted to learn. And when I could read, I could learn most other subjects by myself. Big part of Elementary school was WASTING TIME by often I had to sit and wait at the others, specily in math where teacher didnt let me be more than two chapters ahead so I spend much Elementary school time making "cars" of erasers and thumbtacks. They didnt even let me read anything else!!! Extreemly booooring.))
Booring is the NORMAL in Elementary schools. Kids start school eager to learn - and soon they lost interest by most teachers MAKE it booringl And some demanded ARE realy booring. E g I like history subject but so what if a king died 1767 or 1765...?
But a few teachers werent booring. E g a teacher in chemistry. He did experiments as:
-Different chemicals can neutralice each other. E g salpeter acid can be neutraliced by strong alcalic, said and put a finger in salpeter acid. But I use my pinky finger in case it would failÂ
An other time.
-Now I cant restrain myself any longer, he said and started mixing some chemicals together, climbed out the window to the roof of the aula and it became a big cloud in shape as an atomic bomb but green. When he climbed back in he said:
-Last time I did such, a neighbour phoned the fire department...
BUT there is a very good Elementary school in Denmark where a group of teachers have split the subjects between themselves and the kids can walk between ANYTIME they want, Each period start with a teacher read a novel to inspire the kids to WANT to learn something related. Then the kids tell what they want to learn and teachers put together whats expected of each kid to have got done in time during these two weeks. Then each KID decide which order they want to do things. It could ber expected an 8yo would chose drawing first, but alnost all went to LIBRAR/ first! 
   E g one small kid wondered how metal ships can float, so they learned Archimedes princip that young!Â
   E g one small kid wondered how metal ships can float, so they learned Archimedes princip that young! And each kid put "grades" at HIMSELF. Perhaps would be expected everyone would put Excellent but e g one small kid said:
-This part I did good, but this part I didnt prepare enough...
And older kids assisted the younger VOLONTARINGLY and that school have no mobbing
Some good Swedish teachers financed THEMSELVES to go to that Danish school but I believe it ended up with NOTHING by stupid head masters, National school department and politicans making more and more idiotic school system. A friend of mine is among the best math and physic teachers in Sweden say the National school department too, but he is very frustrated at all crap he is forced to waste time at making it impossible to teach as good as he want to, inspite of he work extra and get burned out by it.
but I believe it ended up with NOTHING by stupid head masters, National school department and politicans making more and more idiotic school system. A friend of mine is among the best math and physic teachers in Sweden say the National school department too, but he is very frustrated at all crap he is forced to waste time at making it impossible to teach as good as he want to, inspite of he work extra and get burned out by it. (It was similar crap back when I were substitute teacher a short period between quit an employment and started own business. Instead of copy how I did so the students liked school again, the teachers got grumpy when their students got jelous..)
An important consideration as to why I moved to my current backwater province has all to do with my better halves overall happiness ...here even with our age gap being >25-30yrs our relationship/living together is not 'frowned' upon by her family nor relatives as I feel I have taken excellent care of her & the kids and provided well for them compared to how they used to live.
Infact many poor province locals here actually prefer/encourage their young daughters to find stable senior expats like me. 
However if I were to bring them back home (she infact was actually living with me for more than 5yrs in my home country while I was gainfully employed. She had to take her regular flights in/out of the country each time just to be with me which was indeed a stressful affair) ...she never really liked it nor the stressful lifestyle I lived but enjoyed the time we spent indoors (excellent food/Wifi/aircon/Super clean/Super Efficient/Sorry NO Karoke though). She's just a simple/sexy province girl who only wants to be near her loved ones/family so any other better developed country the family/friend relationships would be minimal to non-existant as many may not look at us in the same light as here & would have nothing at all good to say about our relationship even with our kids around... that's the way it is.
As for our kids I'd rather see them blend in with the locals/speak their language and build their own relationships...Our kids already speak better English and are better behaved than any of their relatives/friends (their very own parents keep telling us)...so I guess that's a good start.
They are indeed v.happy here (Me not so much) & moving them away from here back home or somewhere else is totally out of the question. ....The benefit they would have by staying right here would also mean me not having to face any further financial stress nor where they have no friends/family to fall back on/talk to/play with. I have already made provisions for them to be able to set up a business with my capital injection/House/Insurance benefits for them should I pass that I'm sure would give all of them a good headstart in life here.
 Most stores, and I mean like at the malls and such, have the most horrific customer service ever. I asked on many occasions about if they carried an item and the most popular response from any clerks is "no stocks" even though when I walked around the isle, I would find the item I was searching for! I know the reason for this. These clerks get paid a pittance, so why bother knowing about the products in the store. If the employers here payed the employees a little more money, they wouldn't huddle in groups of 5 or more in the store doing absolutely nothing but shooting the BS. Anyway, however annoying things can be, I still enjoy living here. Again, good luck!
- @whackerdog123
Very ineffective as much are in Phils...
Stupidity by BOTH employers and employees.
Stupid to have bad attitude by, if employers arent stupid, its hard for bad attitude employees to get work
and stupid to MAKE employees get have bad attitude - if they didnt have it allready and why employ them if they had it Â
Many employers have a very stupid employment system. 2 year contracts and then they end ALL, and get in a new bunch... So not odd employees in such places have bad attitude.
Even worse are the employers, who have put in system to have staff at 6 months "test period" but then NOT employ any of them, because there is a stupid tax/fees rule which made that cost a bit less, BUT they dont think of the replacement process and teaching the new cost too...
(We do the opposite, picking people with good attitude and pay them some more than they are used to to keep them in that mood. On top of that, when possible we give them offers how much they will be paid for finnishing something UNDEPENDING of how fast they finnish, so the good workers can earn rather much more per hour. E g Monday a work will start, which I believe will take two good workers 1 week to finnish, but we pay them as if it would take two weeks.)
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