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  • Best Philippines travel spots

    Best Philippines travel spots 1

    Best Philippines travel spots

    If your holiday bucket list includes tropical islands, breathtaking scenery, and never-ending adventures, then you have found a jewel of a destination with the Philippines. The Philippines has more than 7,000 islands and is the ideal destination for a blend of nature, culture, and enjoyment. Paradise-like beaches, picturesque turquoise-watershed islands, the world-leading cone volcanoes, the world’s tiniest primate surfing places, and hundreds of years old Spanish fortresses – these were just a few of your holidays in the Philippines. The creation of an itinerary is particularly deep, especially for the first vacation, with all the destinations and activities the Philippines provides. The Philippines islands offer the ultimate retreat from translucent sandy oceans to white sandy beaches. We have created a list of the Philippines’s finest spots, covering the best beaches, gorgeous resorts, and green jungles.

    1.  Manila

    The heart and spirit of the country are Manila, the capital of the Philippines. The Asian metropolis is surrounded by the concrete hum of a town with glimmering skyscrapers. Manila is one of the best destinations to visit in the Philippines with its modern parks, centers, and hotels with the best hospitality. Take a walk along the historic path in Manila’s fortified city Intramuros. Miguel Lopez de Legazpi constructed this 64-hectare Spanish fortification and destroys it by the conclusion of World War 2. The ruins remain today however very vivid and can be explored through Intramuros tours. Several universities and institutions have become located in the region. Fort Santiago, a bastion serving as headquarters for armies and international authorities, is another Intramuro attraction. The national hero Dr. Jose Rizal was incarcerated before his execution in a historically significant place.

    2. Mayon Volcano

    The most perfect volcanic cone and volcano in the Philippines, as soon as your flight arrives at the airport of Legazpi City, welcomes you with its magnificence. Mayon Volcano is a prominent feature on every Bicol tour and one of the most picturesque spots in the Philippines. Its pure beauty (the name Mayon originates from the Hebrew ‘magayon,’ which meaning beautiful) is hidden from a violent core, with eruptions from the past that obliterated several cities. The volcano from afar is already a spectacular experience. But if you’re a thrill junkie, glide through a zipline on Lignon Hill to absorb up all of his beauty. To explore additional unique, historic sights on the Mayon Volcano, visit the Cagsawa Ruins. As a bonus, you can take a side journey from Legazpi to Donsol, where you can watch whale sharks sunbathing quietly in their natural surroundings.

    3.  Nacpan Beach

    The islands and lagoons in Palawan have a famed paradise, but the Nido Beach takes you on a 45-minute journey from Palawan’s main town on a country tour. There should be no missing Island hopping trips in El Nido. But after a day full of bays, beach pockets, calcareous cliffs, a peaceful trip to Nacpan Beach is recommended and deserves to be a part of your tour of El Nido. The major sight is its 4 kilometers of golden sand and infinite palm trees, ideal for just strolling about. The two beaches are now commonly known as the El Nido Twin Beaches, and Calitang Beach is located across the street. It is not encouraged for visitors to swim far from the coast in Nacpan as streams become rocky and forceful with little warning.

    4. Kawasan Falls

    Kawasan Falls in Cebu reaches a sweet spot whether you like to jump into or swim in cool water. It is a multi-layered waterfall, mostly noted for its turquoise waters in the town of Badian. The first cascade or level at a height of 40 meters is where the majority of visitors are staying, swimming, and having a natural water massage on a bamboo raft. You will reach the peaceful second waterfall in a 10-minute walk. Kawasan Falls also represents the endpoint of the most popular adventure, the canyoning. Starting at Kanlaob River in the village of Alegria, you will travel to Kawasan, swim along rivers, recall nature rock faces, sauté mini-waterfalls. The nearby city of Moalboal is famous for its experience of sardine running, where you swim offshore with millions of sardines.

    5. Cloud 9, Siargao

    Siargao is nothing short of meteoric as a leading tourism destination in the Philippines. It is now once a tranquil island in Surigao del Norte and is mainly due to one activity: surfing. It is one of the tourists’ favorite places. It is now recognized as the surfing center of the Philippines, and some people even consider it the Asian surf mecca. From November to April everything is well with the thick tubes of Cloud 9, making it perfect to stock (note: it is recommended for advanced surfers only). But there are other exciting Siargao activities and lovely sights to see such as rock pools, waterfalls, and the neighboring Shooton Lake, where you may swim with hundreds of non-sting jellyfish. You do not need to walk the waves to enjoy this island vacation. Search for alternative experiences of Siargao that you can add to your plans.

  • Best Five Places to Visit After COVID19

    Best Five Places to Visit After COVID19 2

    The COVID19 pandemic has been ravaged in all areas and we are not only physically and intellectually damaged by the existing circumstances in the country, but also emotionally depleted. At such a moment, it is incredibly important for us to do things that allow us to navigate and keep our health through this difficult time. 

    And one thing we always remember is – can we at least have a break for a short time? Why not take a brief holiday, get younger and restart our struggle against everyday battles? But Covid-19 suddenly chooses to level its game and tedious lockdowns or we can not take days off from work. Don’t worry, however. Don’t worry. On your week offs, there are still things to visit! Here’s a list of 5 of Delhi’s top weekends to help you get past ennui and that’s too safely.

    1. Neemrana

    Best Five Places to Visit After COVID19 3

    The palace is a magnificent ruin, reconstructed in the vicinity of Delhi, which opened in 1991. Today it contains several rooms and suites that shout about the culture and heritage distributed around the hill on 14 floors. The pool and health center, an amphitheater, the hanging gardens with a lounge, a restaurant with roof-top gardens, and meeting spaces with exclusive suites, with a magnificent view of the Fort-Palace. A majesty host and other royal features make this place a popular tourist attraction. Although Neemrana is mostly renowned for its vast fortress, there are still several more places to admire. Temples, stepping stones, and national parks are also there. Because of the greenery of Neemrana, the weather is nice all year round. But try visiting July to March if you wish to organize a perfect holiday with amazing weather. The monsoon is quite cool and relaxing here, while the winter is enjoyable.

    2. Kasauli

    Best Five Places to Visit After COVID19 4

    Nestled in Himachal-gorgeous Pradesh’s hills, Kasauli’s small, attractive town enjoys a calm atmosphere and a rich tradition. The church is marked by stunning colonial structures such as the Church of Christ and the Baptist church, and other colonial reminiscents. Kasauli is a wonderful blend of picturesque hiking paths, mountains snow-covered, and green scenery. The hill station is a sanctuary for hikers and nature lovers nest, embellished by its breathtaking Himalayan view. Enveloped in extreme serenity, it is a buzz and bustle of life for one of the best weekend escapes! During the summer season, the best time to visit Kasauli is when the days are nice. But if you love nature, Monsoon is a fantastic time to visit that picturesque mountain station. There is little or no rain here, and under a cloudy sky, the terrain is spectacular. According to the revised standards, Himachal Pradesh no longer requires a negative RT-PCR test report. The state was also raised in Section 144. On Friday the Himachal cabinet resolved that from 9 am to 17 pm, from 14 June, the stores in the state should stay open. But on Saturdays and Sundays, the shops remain closed. The curfew will also take place from 5 p.m.-5 at Covid.

    Book customized trekking, camping, and sightseeing tours across the country at an affordable price now!

    3. Rishikesh

    Best Five Places to Visit After COVID19 5

    Rishikesh is without certainly a retreat for the hermit, a sage’s residence, and a lover of adventure. This vibrant town is one of Hindus’ most sacred destinations. In that sacred city flows eternally into the placid and at times rushing Ganges River, which gives food and life to many worldly people. The best period for Rishikesh is from February to mid-May, however, it is possible to see the lovely region on a daily basis. Rishikesh’s visitor traffic is always on the upswing, known as the “Yoga capital of India.” Whether it is a dewy monsoon or a backburning winter, the rafting and camping experience is world-class all year round. The state remains shut until June 15 according to the Uttarakhand administration. The market is open only to small businesses from 10 a.m. to 5 p.m. Hotels, restaurants and resorts have not yet been reopened by the state administration. People from other countries must present their negative reports for the RT-PCR. But without the Covid-19 unfavorable report people/residents from Garhwal to Kumaun and Kumaun to Garhwal can move about.

    4. Manali

    Best Five Places to Visit After COVID19 6

    Manali is undoubtedly the “Queen of the Hills” one of India’s most popular summer resorts for some reason. The lovely village of Beas is surrounded by snow-capped mountains and huge greenery. It’s certainly heaven for backpackers. Sanctuary of the wilderness and dipping in water wells in Vashisht Paragliding in Solang& Rohtang, Shri Hari yoga ashram, yak riding in the Wild Sanctuary It is nevertheless advisable for the State to closely adhere to the COVID19 policy, including the wearing of masks and the use of hand sanitizers and keeping social separation, but not restricting the admission and movement of tourists. The monsoon season in the city, however, gives a wonderful vista, starting in July and ending in September. During monsoons, the city has rather humid weather.

    5. Agra

    Best Five Places to Visit After COVID19 7

    Agra offers visitors the opportunity to discover the glorious times, the rich history of which is reflected by its many monuments in and around the town. Agra’s earliest quote is from the mythological period when the epical Mahabharata calls Agra ‘Agravana,’ which is Sanskrit as a paradise. The Taj Mahal stands towering near the southern bank of Yamuna River in Agra, one of the seven wonders of the World. Taj Mahal is one of the most famous tourist destinations in India and is the epitome of love. It was when the Mughal throne came down that Shah Jahan attained the height of architectural grandeur. Agra is best visited between November and February. While rates and the volume of visitors are high, throughout the spring and summer months you avoid heavy rain and insupportable heat. The Aarogya Setu App is required for all travelers. After over 60 days of holding it shut, the Taj Mahal will be open for guests from 16 June, for 100 visitors at a time. 

  • lumina homes

    lumina homes

    lumina homes Lumina, a mass housing developer in the Philippines, offers affordable house and lot packages for as low as P2,280* monthly under Pag-IBIG financing

    Lot Forsale Best for Developing Subdivision 8 minutes away from Pagadian City Airport and 13 minutes away from City proper see below

    lumina homes philippines

    Named Top 1 Developer in 2019 by Pag-IBIG Fund, Lumina Homes offers quality, affordable house and lot properties in over 50 key locations in the Philippines.

    Why Choose Lumina homes?

    Pasok sa Budget

    lumina homes pasok sa budget


    Own a home for as low as Php 1,898 per month under Pag-IBIG financing! – a possibility that Lumina offers. With prices ranging from Php 450,000 to Php 1,250,000, you can choose from Lumina’s rowhouses and townhouses.

    lumina homes matibay pag gawa

    Matibay Ang Paggawa
    Rather than the usual hollow blocks, reinforced concrete system is used in building every Juan’s home, making it more durable since it is made of pure cement.

    lumina homes 8

    Panatag Na Komunidad
    At Lumina, when we say security, we don’t just mean the perimeter fence, CCTV cameras, or the guarded subdivision entrance but also the assurance of having your own home, in a community complete with amenities — basketball court, multi-purpose hall, mini gardens and playground, and with space for future commercial area.

    Simple Ang Proseso
    Easily own a home through simple steps for all types of financing, of course, assisted by Lumina’s dependable marketing and admin staff.

    lumina homes available nationwide

    Available Nationwide
    Lumina communities not only grow in number but also in service for the mass. Its subdivisions, spread over Luzon, Visayas, and Mindanao, are accessible and located in major cities and municipalities, and at the hearts of provinces, close to hospitals, schools, churches, business and shopping centers.

    Lumina, a mass housing developer in the Philippines, caters to the socialized housing segment that largely includes minimum wage earners.

    With only four years in the pipeline, Lumina already has 36 existing projects:

    Lumina is now the LEADING MASS HOUSING DEVELOPER in the country with its roster of value-priced and quality homes. It has amenities like multi-purpose hall, basketball court, mini gardens and playground, and space for future commercial areas.

    By building in accessible locations close to major road networks, transportation and business hubs, schools, and hospitals, Lumina not just builds a self-sustaining community, it also provides every Juan the pride of homeownership.

    lumina homes
    lumina homes 9
    lumina homes

    🏠Stop Renting, Start owning!!!

    🏡Avail now our affordable house and lot offered for as low as 2,024 under Pag IBIG financing at Brgy. Tiguma, it just a few minutes travel to the City proper.

    💯The Best to INVEST is here in LUMINA HOMES!!🏡🏡🏡

    The most accessible subdivision in all you need in daily living!
    ✅️Near Airport
    ✅️Near IBT
    ✅Near Jollibee Drive Thru
    ✅️Near Public Market
    ✅Gasoline Station
    ✅Soon to rise City Mall

    For more Inquiries pls. leave a message or call or text📞☎️  Globe 0916-336-35-18 and Smart 0949-919-05-45
    And look for Giovanni Carlo P Bagayas (Gio).

    lumina homes floor plan

    angeli lumina floor plan

    angeli lumina floor plan ground floor
    angeli lumina floor plan ground
    angeli lumina floor plan second floor
    angeli lumina floor plan second floor

    lumina homes price list 2020

    lumina homes price list 2020 price update March 2020

    lumina homes price list

    Lumina, a mass housing developer in the Philippines, offers affordable house and lot packages for as low as P2,280* monthly under Pag-IBIG financing. message me for the updated price list 2020

    lumina house

    Lumina Homes Pagadian, Pagadian, Pagadian, Philippines. 2763 likes · 19 talking about this. For reservations, contact us at 09163363518

    lumina home

    lumina homes developer

    Lumina, a mass housing real estate developer, offers houses for sale in the Philippines with 21 properties in Mega Manila, Luzon, Visayas, and Mindanao.

    Lumina Homes | Vista – Vista Land Residencesvistalandresidences.com › lumina-homes
    Apr 19, 2018 – Lumina Homes, a mass housing developer in the Philippines, caters to the socialized housing segment that largely includes minimum wage

    lumina angeli single firewall

    Angeli Single Firewall. Picture. House specification : – Single firewall ​- Bare unit ( To personalize your own interior design ​- Provisional space for 2 bedroom

    lumina houses learn about Lumina Homes’ available properties in Luzon, Visayas, and Mindanao!

    Lumina homes are built of high-quality materials and cost from Php 500,000 to Php 1,700,000. If qualified by Pag-IBIG Fund as a “low-income earner,”

    aimee lumina homes Description. Lumina Homes’ Aimee Model is a 22 square meter home on a regular 36 square meter lot. Its features include a living area, dining & kitchen

    lumina homes angeli single firewall Lumina Homes’ Angeli Single Firewall Model is a 42 square meter home on a regular 54 square meter lot. Its features include a living area, dining

    armina single firewall lumina homes

    lumina armina duplex

    armina lumina homes

    lumina armina

    lumina armina single firewall Description. Lumina Homes’ Armina Single Firewall Model is a 42 square meter home on a regular 54 square meter lot. Similar to Angeli Single Firewall

    lumina homes armina

    armina lumina floor plan

    armina lumina

    Lumina Homes Pagadian


    Location: Brgy.Tiguma,Pagadian City
    Phase 2
    House Model: Armina Single Firewall
    Floor Area: 42sqm.
    Lot Area: 54sqm.
    Total Contract Price: 1,649,000
    Loan Amount in Bank: 1,442,875
    Downpayment: 206,125
    Payable for 16mons:
    Monthly Dp: 12,258
    Reservation Fee: 10,000

    Loan Terms in Bank: 8.5% interest rate per annum:
    20 yrs: 12,522
    15 yrs: 14,209
    10 yrs: 17,890
    5 yrs: 29,603

    Message me for more details Giovanni Carlo P Bagayas Globe 0916-336-35-18 and Smart 0949-919-05-45

    Lumina homes more info

    lumina house design

    Lumina, a mass housing developer in the Philippines, offers affordable house and lot packages for as low as P2,280* monthly under Pag-IBIG financing.

    umina Homes Aimee Rowhouse House And Lot In Tiguma Pagadian City. Sample Interior Design Of Aimee Model Lumina Homes Valencia.

    lumina homes price list 2020

    Please contact me for price quotation at Giovanni Carlo P Bagayas Globe 0916-336-35-18 and Smart 0949-919-05-45

    how to avail lumina homes

    how to avail lumina homes list of requirements for locally employed, Overseas filipino workers and self employed
    Lumina Homes Requirements

    1. OFW lumina homes requirements

      lumina homes 17

      Passport w/ signature(include pages of arrival and departure
      Job contract
      Certificate of Employment and Compensation
      One month latest Payslip/remittance
      Updated ESAV atleast 24 mos(HDMF)
      SPA Special Power ofAttorney(notarized or consularized)
      Valid id of atty-in-fact with picture and signature
      Proof of billing
      Bank statement if any
      4 pcs. 1×1 Id pictures
      Marriage contract(If married)
      Birth Cerificate
      PDC

    2. LOCALLY EMPLOYED lumina homes requirements

      lumina homes 18

       Valid ID photo copy
      3 month latest payslip
      Certificate of Employment with compensation
      Updated Employee Statement of Accumulated Value (ESAV) at least 24mos (HDMF)
      Proof of billing
      Bank statement
      Income Tax Return
      4 pcs. 1×1 Id pictures
      Marriage contract(if married)
      Birth Certificate
      PD

    3. SELF EMPLOYED lumina homes requirements

      lumina homes 19

      2yrs. Audited Financial Statement w/ITR’S w/ tax receipt business
      DTI/SEC Registration
      Mayor’s permit
      Co. and valid ID photo copy
      One month latest payslip/remittance
      Updated Employee Statement of Accumulated Value (ESAV) at least 24mos(HDMF)
      Proof of billing
      Bank statement
      4 pcs. 1×1 Id pictures
      Marriage contract(If married)
      Birth Certificate 
      PDC

    lumina homes pagadian location near establishments

    1. Pagadian City Airport
    lumina homes pagadian near establishment Pagadian City Airport

    2. jollibee tiguma pagadian city

    jollibee tiguma pagadian city

    There is a good business also during this pandemic buying liquidation pallets and resell it online

  • Balikbayan Buyers Guide for Real Estate Philippines

    Balikbayan Buyers Guide for Real Estate Philippines

    :-)

    For our fellow Balikbayan countrymen who have made their careers abroad but wish to invest and earn from the different properties in the world of Real Estate Philippines, read this Balikbayan Buyers Guide for Real Estate Philippines to help you out, especially for beginners  This guide includes summarized Real Estate Philippines Laws which are organized for your convenience and education. Click the link below to see the guide…

    For Pinoys who have renounced their Filipino Citizenship, The first option is to apply for dual citizenship. Here’s how:

    • If you are in the Philippines, file a “Petition for Dual Citizenship and Issuance of Identification Certificate (IC) pursuant to RA 9225” at the Bureau of Immigration (BI) and for the cancellation of your alien certificate of registration.
    • Those who are not BI registered and overseas should file the petition at the nearest embassy or consulate.

    Requirements:

    • Birth certificate authenticated my the National Statistics Office (birth certificate from the NSO can be requested online and mailed to you)
    • Accomplish and submit a “Petition for Dual Citizenship and Issuance of Identification Certificate (IC) pursuant to RA 9225” to a Philippine embassy, consulate or the Bureau of Immigration.
    • Pay a $50.00 processing fee, schedule and take an “Oath of Allegiance” before a consular officer.
    • The Bureau of Immigration in Manila receives the petition from the embassy or consular office. The BI issues and sends an Identification Certificate of citizenship to the embassy or consular office.

    If a former Filipino who is now a naturalized citizen of a foreign country does not want to avail of the Dual Citizen Law, he or she can still acquire Philippine land based on BP (Batas Pambansa) 185  & RA (Republic Act) 8179 but limited to the following:

    Natural-born Filipinos but have acquired foreign citizenships can still acquire properties in the Philippines but subject to land ownership limitations under Batas Pambansa Blg. 185 (BP 185), which was enacted in March 1982, and Republic Act 8179 (RA 8179), which amended the Foreign Investment Act of 1991.

    For Residential Use (BP 185 – enacted in March 1982):

    • Up to 1,000 square meters of residential land.
    • Up to one (1) hectare of agricultural of farm land.

    For Business / Commercial Use (RA 8179 – amended the Foreign Investment act of 1991):

    • Up to 5,000 square meters of urban land.
    • Up to three (3) hectares of rural land.

    In terms of investing in Philippine Condominiums, there is no limit as they would be purchasing them using a Condominium Certificate of Title (CCT). Even Foreigners can own Philippine Condominiums.

    For more information and to start your investment today so you can earn as soon as possible, contact

    Balikbayan Buyers Guide for Real Estate Philippines people ask

    Can a Balikbayan own property in the Philippines?Purchasing PropertyBalikbayans seeking to purchase property in the Philippines have to abide by certain limitations as per the laws of the government.

    Despite the restrictions, Balikbayans generally are allowed to buy and register land bought in the Philippines under their own name

    Can a US citizen buy properties in the Philippines?The answer is yes, foreigners may own real estate property in the Philippines, but they are not allowed to buy and own land.

    Foreign ownership of property in our country is not absolute and subject to restrictions. Non-Filipinos may purchase and own condominium units built on Philippine soil.

    Check out our preselling properties at camella homes pagadian city courtyard series

  • overseas filipino worker

    overseas filipino worker (OFW) Friends!!

    Working abroad takes a lot of sacrifice. This is why many overseas Filipino workers can’t wait to retire and go home to their families.
    Most OFWs leave the country to give a better life to their families. Many “invest” in the future by sending their children to school. But is this enough to secure a comfortable retirement?

    If you’re an OFW and are planning to retire soon, Property Investment is one of the smartest investments you should consider.
    Heres How:

    5 Tips For overseas filipino worker on Investing In Real Estate

    Here are 5 tips for you on where to invest your hard-earned money!

    1.Invest as early as you can because land/real estate properties appreciate quickly. Take the risk, it will be worth it!

    2) Invest in leisure places or areas near tourist spots. Make sure to take note of business-worthy locations!

    3) Invest in properties you can convert into a business venture. Don’t let your hard-earned money sleep, put it into a business venture where you can start saving up for an early retirement!

    4) Invest in a location where you can enjoy your retirement. Of course, after all the years of sacrifice and hardwork, a great location to enjoy your retirement is definitely a good location!

    5) Long Term Financial Security. The benefits of investing in real estate provide investors with long term financial security

    Why invest in Lumina Homes Pagadian City?

    When City mall starts to operate, workers will look for places to stay. Lumina homes Pagadian City is a subdivision with a road directly going to the City mall, Airport, Jolibee, Schools and Churches! It will be a good investment for future rental business! Lots of house models to choose from! From bungalow houses, to 2-storey townhouses to 2-storey single-detached houses, lumina has it all! Reserve your unit for as low as 3k!

    Check out here Lumina Pagadian City

    Call/text Giovanni Carlo Bagayas: 0916-336-35-18 You can also message me at my facebook fanpage Balay Sa Pagadian

    We have also Camella homes Pagadian City courtyard properties

    What percentage of Filipinos work overseas?
    11 percent
    In 2013, the Commission on Filipinos Overseas (CFO) estimated that approximately 10.2 million people of Filipino descent lived or worked abroad.

    This number constitutes about 11 percent of the total population of the Philippines. It is one of the largest diaspora populations, spanning over 100 countries

    How many overseas Filipino workers are there?
    Total Number of OFWs Estimated at 2.3 Million (Results from the 2017 Survey On Overseas Filipinos)

    The number of Overseas Filipino Workers (OFWs) who worked abroad at anytime during the period April to September 2017 was estimated at 2.3 million

    Why do so many Filipinos work abroad?
    Family and peer pressure – The pressure of familial responsibility and peer pressure are among the biggest factors that drive Filipinos to work abroad.

    Seeing their friends get higher salaries and achieve a better life after only a few months abroad would entice several people to try their luck themselves

    What country has the most OFWs from the Philippines?
    Saudi Arabia
    According to the Philippine Statistics Authority, Saudi Arabia is the most preferred country for OFWs to work at 25.4%, others being UAE, Kuwait, Hong Kong, and Qatar. Although, North and South America account for only 5.4% of the OFW population

  • real estate financing terms

    real estate financing terms

    Real Estate Financing Terms

    There are basically three (3) ways of financing a real estate purchase, namely:

     a) spot cash

    b) deferred cash payment

    c) long term financing.

    A resale house or property from an individual seller (as opposed to a developer) is usually to be paid in Spot Cash. On the other hand, real estate for sale from developers, can be availed in longer terms.

    Each type of financing scheme has its own advantages and disadvantages. To determine which one is appropriate to you, it is best to start looking at your own budget and financial capabilities.

    Some financial institutions (banks, credit unions, money lenders, etc) will require income documents from your and/or your co-borrower to determine which one applies to you.

    Listed below are the characteristics of each type of payment scheme

    1. Spot Cash. This is an outright payment for the entire contract price of the property you are buying.

    The entire contract amount must be paid within the agreed number of days (usually 30 days) from the date of reservation.

    One of the advantages of Spot Cash payment is the large amount of discount that can be availed.

    Buyers who have enough savings are usually attracted by the discount being offered.

    Another advantage of Spot Cash payment is that all the necessary documents will get to your hands in a short period of time, assuming everything is in its proper order.

    Another advantage of Spot Cash payment is that it doesn’t require a lot of documents on the part of the buyer.

    The only disadvantage of this approach is that only a few buyers can afford to do so. Buyers usually buy on borrowed funds and savings are usually allocated for something else.

    TIP: You don’t have to pay Spot Cash from your savings. Wise buyers will usually loan from other sources that offer lower interest rates and then pay spot cash.

    It’s like borrowing from A at super low interest rate to pay spot cash for real property offered by B.

    2. Deferred Cash. You can think of it as an installment payment without the discount and without interest.

    There are people who don’t want to be burdened with interest payments. They usually go for this option.

    Aside from saving on interest payments, Deferred Cash payment also allows for shorter time period for the documents to be processed.

    In many cases, the entire contract price may be covered within 3 years. Always check with your developer the time-frame for the whole amount to be paid

    3. Long Term Financing. Long Term Financing usually divides the contract price into two: a) down payment and b) financed amount.

    The amount to be financed is usually covered by a mortgage from a financial institution.

    Some developers will also offer In-House Financing, but it usually has higher interest rates than available in the market.

    The loan company will require a lot of income documents from you before your loan is approved.

    It’s understandable, they want to make sure that they are granting loan from someone who has the ability to pay it in time.

    The amount of loan and payment terms largely depend on your income, employment or business standing.

    This is the usual payment scheme followed by the buyers. Its advantage is that it feels light and can be inserted as part of the monthly budget for the household.

    The disadvantage is that the longer the loan term, the higher the total payments you will have to cover and therefore the more expensive the property becomes in the long run.

    TIP: If you can afford it, offer to you pay a large down payment. This means your mortgage amount will be less.

    Remember it is the financed amount that will eventually bear the interest.

    The standard down payment is 20% of the total contact price. If you can pay more like 30%, do so. The lender will love you for it

    real estate financing terms people ask

    What is financing in real estate?
    What Is Real Estate Financing? Real estate financing is a term generally used to describe an investor’s method of securing funds for an impending deal.

    As its name suggests, this method will have investors secure capital from an outside source in order to buy and renovate a property.

    What are the terms in real estate?
    General real estate terms
    As-is.
    Buyer’s agent/listing agent.
    Closing.
    Closing costs.
    Days on market (DOM)
    Due diligence.
    Escrow holder.
    Homeowner’s association (HOA) more items

    Check out also my blog about advantage in pre selling real estate

    And one of the our Camella homes Pagadian City courtyard pre selling property camella freya

    Interested in our properties Camella homes/ Lumina homes Pagadian City

    Contact me at : Giovanni Carlo P Bagayas Globe 0916-336-35-18 and Smart 0949-919-05-45

  • top 10 places to visit in philippines

    top 10 places to visit in philippines

    The Top 10 Reasons Why You Shouldn’t Miss a Visit to the Philippines

    This article provides facts on what beautiful things you can see in the Philippines that you haven’t seen to any other Asian countries. The Philippines islands are an archipelago of over 7,000 islands lying about 805 km off the southeast coast of Asia. It is the world’s second- largest archipelago.

    These are the top 10 reasons why you should not miss to visit the Philippines.

    1 The Philippines is very affordable to visit and have a vacation with family and friends by western standards.


    2 The Philippines have the astonishing beauty of Banaue Rice Terraces which are hands-made of the Ifugao tribe.


    3 The Philippines has the Asia’s one of the best beaches in the world by the BMW Tropical Beach Handbook, which is Boracay Island.


    4 The Philippines have different Filipino Cuisines that the Filipino people can offer.


    5 The Philippines has different sports and leisure to offer with accommodating services and places. Like diving, wake-boarding, etc., Anything that you wanted to do in the Philippines they have it all.


    6 The Philippines has rich marine life and considered as the most biodiverse marine life.


    7 You can enjoy the different colorful cultural events that draw tourists every year on a specified month.


    8 You can visit the Philippines historic past which are preserved by the Filipino people in different areas in the Philippines.


    9 The Philippines has good weather to visit especially when its summer in May.


    10 The Filipino people are considered one of the happiest people of the world.

    The Philippines have a very rich nature. If you are an environmental lover and wanted to stay in a very environmental place with soothing, romantic, cool and relaxing ambiance, you should try to visit the Philippines and feel the essence of being revived by its nature.

    Check out also pagadian city tourist spots

    top 10 places to visit in philippines people ask

    What is the most beautiful place in Philippines?
    15 of the Most Beautiful Places In The Philippines
    Nacpan Beach. …
    Bantayan Island. …
    Romblon. …
    Siargao Island. …
    Malapascua Island. …
    Kawasan Falls, Cebu. …
    Puerto Princesa. …
    Island hopping. Sailing in and around some of the smallest and most remote islets of the Philippines was truly awe-inspiring, island hopping at its finest.

    What are the best places to visit in the Philippines?
    12 Best Places to Visit in the Philippines
    1 Boracay. Boracay. Share: …
    2 Bohol. Tarsier. Share: …
    3 Cebu. Snorkeling with a whale shark. Share: …
    4 Banaue. Banaue. Share: …
    5 Vigan. Vigan | Photo Copyright: Akarat Phasura / Shutterstock.com. …
    6 Manila. Jeepney in Manila | Photo Copyright: saisnaps / Shutterstock.com. …
    7 Davao City. Philippine eagle. …
    8 Sagada. Hanging coffins of Sagada.

    What is the most exciting tourist spot in the Philippines?
    10 Top Tourist Attractions in the Philippines
    Tubbataha Reef. flickr/q phia. …
    San Agustin Church, Manila Where to Stay. flickr/benjieordonez. …
    Mayon Volcano. flickr/Storm Crypt. …
    Malapascua Island Where to Stay. flickr/Charles Van den Broek. …
    Puerto Galera Where to Stay. …
    Puerto Princesa Underground River Tours & Activities. …
    Donsol Where to Stay. …
    Chocolate Hills.

    When’s the best time to go to the Philippines?
    The Philippines are most popular during the dry season, between November and April. At this time the country is fully accessible, including its many beautiful islands and more remote areas. Temperatures are high during March and April, so it’s best to travel during the cooler months of December to February

  • top destinations in the philippines

    top destinations in the philippines

    top destinations in the philippines Where to go in The Philippines? Achieve your travel goals with this list of beautiful destinations, things to do, best places to visit, Philippines

    Banaue of Painterly Dreams

    Because of its high altitude, Banaue is often described as “where land merges with the clouds to meet the heavens” with the rice terraces as “the stairway to the sky.”

    Banaue is a place for nature adventures and cultural immersion. Days are for indulging in such activities as strolling, biking, and trekking. Evenings are for campfire chats at a village or warm indoor cosseting at the lodges and inns.

    A leading tourism destination in Asia, the Banaue rice terraces start from the base of the Cordilleras and reach up to several thousand feet high. Its length, if stretched from end to end, could encircle half of the globe.

    The rice paddies are fed by mountain springs and streams that are channeled into an irrigation canal that runs downhill through the terraces.

    In the village of Batad, the terraces take the shape of an amphitheater and can be reached by a 12-kilometer ride from Banaue Hotel and a 2-hour hike through mountain trails.

    After trekking through the terraces, cool retreats indeed are the spring-fed stream of Guihob and the magnificent Tappiya Waterfalls which has an enormous basin for swimming.

    Shopping takes a different twist in Banaue. While souvenir items are offered by curio stores, the more exciting way to shop, however, is to go on a village visit, watch a family demonstrate their native craft and then haggle for a better price on their product.

    Awesome Hills

    top destinations in the philippines chocolate hills

    Chocolate Hills is a series of 1,268 perfectly symmetrical, haycock-shaped hills that rise some 30 meters above the ground. A National Geologic Monument, these unique, rock formations were cast after million years of evolution.

    Spread out in the towns of Carmen, Batuan and Sagbayan, the hills are so-called because they resemble chocolate bonbons when their grass cover turns to brown at the onset of summer. Two of the hills have been developed and provided with facilities, including a viewdeck, a youth hostel and a restaurant.

    Other hills with a commanding view of the surrounding islands include Banat-I and Elly in the capital city of Tagbilaran, Himontagon in the town of Loay, Sampoangan in Calape and Ilihan in Jagna.

    Barefoot in the Beach

    top destinations in the philippines Boracay

    The code in Boracay is strictly informal.

    There is an undeniable easy atmosphere in Boracay where walking barefoot than shod is the rule rather than the exception. White Beach is so, soooo fine, it feels like treading on miles of baby powder! No wonder, even swinging discos have the beach for a floor, giving dance a new twist.

    There are no hang-ups either in this island. At daytime, tourists having a soothing massage under the shade of a coconut tree beside the shoreline is a common sight. And from dusk to dawn, Boracay turns into one big party place where everyone is welcome to join in…But first, let’s toast that sunset cocktail!

    Diversions are certainly no problem in this tropical eden with leisure activities calendared throughout the year and amenities offered by some 350 tourist establishments.

    The Isle of Your Tropical Dreams

    Cebu is the traveler’s fantasy of a tropical island come true – balmy weather, pristine beaches, crystalline waters, and luxurious resorts with all the frills of modern living.

    The island-province of Cebu was where the Portuguese navigator Ferdinand Magellan planted the Cross of Christianity in the name of Spain in 1521. But even before Cebu became the Occidental gateway to the Orient, it was already a popular entry point among Asian merchants.

    Cebu has since blossomed into a choice tourist destination, with many leisure establishments taking full advantage of its sea-valley-and-mountain location.

    Metropolitan Cebu, the country’s second biggest metropolis, is the political, economic, educational and cultural center of the Visayas. Hotels, shopping malls, entertainment halls, casinos and golf fairways are ever present in the metro to cater to every tourist’s whim.

    The rest of Cebu’s 166 islands and islets are fringed with sandy beaches and sapphire-clear waters teeming with marine life, perfect for divers.

    Land of Plenty

    “Kadayawan sa Dabaw” is Davao City’s premier festival and showcases the natural and cultural bounty of the land.

    A movable feast in August, the week-long merrymaking highlights the manifold tribal cultures of the region which are vividly expressed in traditional songs, dances, games and crafts. It is also on this occasion when a lively trade fair, capped by a flower-and-fruit float parade, takes place. Street dancing and popular entertainment complete the celebration.

    Agriculture-based industries thrive in the Davao region. A major exporter of bananas, citrus, mangosteen and other tropical fruits, it is also the biggest producer of cultured flowers in the country. Its surrounding waters are rich sources for commercial fishing.

    The world’s largest city in terms of land area, Davao covers all of 244,000 hectares.

    Manila

    The capital of the Philippines – its heart and soul — is Manila. It sets the rhythm of life in this archipelago and is a pulsating hub that blends the Oriental with the Occidental, the quaint with the modern, the mundane with the extraordinary.

    Manila was born out of the ashes of a once flourishing Malay settlement by the banks of the Pasig River. In 1571, Miguel Lopez de Legazpi established the Ever Loyal City of Manila which, until 1898, was the seat of Spanish colonial rule in Asia. He built the city within walls and called it Intramuros.

    An anchor tourist destination, Manila is the very core of the 7,000 times more islands that make up the Philippines. It is a center for the performing arts in Asia.

    The Last Frontier

    Unique to Palawan is its megadiversity.

    For a long time, Palawan’s bountiful resources, abundant wildlife and extraordinary natural beauty are known only to the many ethnic communities that thrive in these islands and a few other daring settlers who wanted to live in unpolluted surroundings.

    The island-province first attracted foreign attention in the 1970’s when it became a United Nations Vietnamese Refugee Center. At this time, a disturbance in Kenya also saw the transport of endangered animals from its savannas to the plains of Calauit Island.

    However, it was only a sea accident in 1979 that eventually led to the opening of Palawan into tourism big time.

    As the story goes, a tuna line disabled a dive boat’s propeller in the middle of the night forcing it to drop anchor in an inlet. The following morning, the divers woke up to an amazing scenery of skyscraping dark cliffs, thick green forest, white-sand beach, sparkling water and, rising above it, a series of magnificently sculpted jade islands. And thus was how El Nido was discovered.

    Ecology awareness is at a high level throughout the province. Puerto Princesa prides itself as the cleanest city in the Philippines. To protect its megadiversity, only eco-friendly programs are adhered to by tourist establishments. And there are strict ordinances against dynamite fishing, with only net and line fishing allowed.

    Palawan may have opened itself to tourism but it has also taken serious efforts to preserve this last frontier.

    Old World City

    Vigan, with its centuries-old edifices, is a breathing reminder of what was once a royal city.

    One of the earliest Spanish settlements in the country, Vigan was founded in 1572 by Juan de Salcedo who patterned its design to that of Intramuros (Old Manila). It became the seat of the Archdiocese of Nueva Segovia and was called Ciudad Fernandina in honor of King Ferdinand.

    Today, Vigan retains much of the patina of 18th century Castillan architecture as seen in some 150 stone houses which stand in the town’s Mestizo District, notably Mena Crisologo Street. Many of these ancestral homes are still in good condition and some have been turned into cozy inns, museums, and souvenir shops.

    Along with the homes are other vestiges of the town’s colonial past:

    The majestic St. Paul’s Cathedral was built by the Augustinian friars along the distinct “Earthquake Baroque” style of the Ilocos region and features Neo-Gothic and pseudo Romanesque motifs. Standing on an elevation west of the cathedral is Plaza Salcedo, the oldest monument in Northern Luzon. The Archbishop’s Palace is a rich repository of religious artifacts from the Ilocos region. Plaza Burgos was built in honor of Fr. Jose Burgos, one of three Filipino priests who were garroted by the Spaniards for espousing church reforms.

    But it is not only edifices which are preserved in this town inscribed in the World Heritage List. Viganos also remain steadfast in their traditional crafts, notably pottery (burnay) and handloom weaving (inabel).

    The horse-drawn calesa (rig) is as much a presence in the streets as motor vehicles.

    top destinations in the philippines people ask

    What is the most beautiful place in Philippines?
    15 of the Most Beautiful Places In The Philippines
    Nacpan Beach. …
    Bantayan Island. …
    Romblon. …
    Siargao Island. …
    Malapascua Island. …
    Kawasan Falls, Cebu. …
    Puerto Princesa. …
    Island hopping. Sailing in and around some of the smallest and most remote islets of the Philippines was truly awe-inspiring, island hopping at its finest

    Where’s the best place to go in the Philippines?
    Palawan. If you have the unfortunate dilemma of choosing only one place to visit in the Philippines, Palawan should be at the top of your list. …
    Cebu. Marcos at Osmeña Peak, Cebu. …
    Bohol. Sunrise at Bohol Chocolate Hills. …
    Dumaguete & Negros Oriental. Siliman University, Dumaguete City. …
    Surigao. …
    Cordillera Region. …
    Ilocos. …
    Bicol

    When’s the best time to go to the Philippines?
    The Philippines are most popular during the dry season, between November and April. At this time the country is fully accessible, including its many beautiful islands and more remote areas. Temperatures are high during March and April, so it’s best to travel during the cooler months of December to February

    Check out also the Little Hongkong of the Philippines pagadian city tourist spots

  • dr jose rizal

    dr jose rizal

    dr jose rizal was a supporter of peaceful reform whose 1896 execution In 1895, Rizal asked for permission to travel to Cuba as an army doctor.

    José Rizal, in full José Protasio Rizal Mercado y Alonso Realonda, (born June 19, 1861, Calamba, Philippines—died December 30, 1896, Manila), patriot, physician, and man of letters who was an inspiration to the Philippine nationalist movement. … The son of a prosperous landowner

    How to get to LAKBAY JOSE RIZAL @150 sites and location of stamp sites

    REGION VII

    DUMAGUETE
    Rizal’s boat, the S.S. España arrived in Dumaguete City. Dr. Rizal went ashore, visited Governor Regal of Negros Occidental, visited a classmate Herrero Regidor and operated on the captain of the Civil Guard

    Dumaguete city
    Photo source: https://dumaguete.com/

    The boat made its first stop in Dumaguete in Negros Oriental, then already one of the more progressive towns in the Visayas, in the early morning of the following day. In his diary, Rizal wrote about his impressions: “Dumaguete spreads out on the beach. There are big houses, some with galvanized iron roofing. The house of a lady whose name I have forgotten was outstanding … .”

    As cargoes were being loaded, Rizal, together with his relatives, went ashore. Being a prisoner, he was escorted by Captain Carnicero.

    Dumaguete

    Rizal paid a courtesy call on the governor, Emilio Regal, before seeing a friend and former classmate, Faustino Herrero Regidor, who was suffering from ophthalmia. That afternoon, Rizal, who underwent training as an ophthalmologist in Europe, operated on Regidor.

    Apparently, Rizal saw other people, including a woman identified in his diary as one “Mrs. Rufina.” In her house, he observed, “where after four years, I heard the piano expertly played.”

    Of all the things he saw in Dumaguete, he noted the people’s fondness for “decorating their houses with plants and flowers.”

    Read more: https://newsinfo.inquirer.net/426563/rizals-impressions-of-the-visayas#ixzz69vuMDjwE
    Follow us: @inquirerdotnet on Twitter | inquirerdotnet on Facebook

    How to get there:
    Dumaguete City

    By air: Travel by air takes an hour and a half. Cebu Pacific offers daily flights from Manila to Dumaguete City. Tricycles and jeepneys are available from the airport going to Quezon Park.

    By sea: There are ferries that offer travel from Manila to Dumaguete City. Travelling by sea takes 36 hours.

    Stamp Area:
    Dumaguete City Tourism Office

    Quezon Park, Sta. Catalina St., Dumaguete City, Negros Oriental

    Stamp Responsible Person/Entity:
    Mr. Audrey Noel Tumulak

    Quezon Park Tourism Officer

    (035) 422-9409

    (M-F, 8 am- 5 PM)

    SAN PEDRO FORT
    The S.S. España docked in Cebu on August 2, 1896 for a routine one-day stop over. After breakfast on board, Commander Carcinero took Rizal under custody to the Spanish Military Commander of Cebu, Gen. Adulfo Montero in the Military Headquarters located in Fort San Pedro.

    san pedro fort cebu
    Photo source: https://www.y101fm.com/

    How to get there:
    Cebu City

    By air: Cebu Pacific Air offers flights from Manila to Cebu City. Travel time is approx. an hour and a half. Taxis are available from the airport going to Fort San Pedro.

    By sea: There are ferries that offer travel from Manila to Cebu City.

    Fort San Pedro is located at Pier Area, Cebu City

    Stamp Area:
    On-site

    Daily: 8:00 AM to 7:00 PM

    Stamp Responsible Person/Entity:
    Ms. Lourdes Limpangog, Officer-In-Charge

    Fort San Pedro

    (032) 256-2284/

    (032) 416-7080

    talambuhay ni jose rizal

    Jose Rizal full name

    José Protacio Rizal Mercado y Alonso Realonda
    Jose Protacio Rizal Mercado y Alonso Realonda or popularly known as JOSE RIZAL was born on June 19, 1861 to Francisco Mercado and Teodora Alonso in Calamba, Laguna.

    jose rizal biography

    jose rizal family tree

    jose rizal family tree
    Source: https://philippinefolklifemuseum.org/

    The Rizals is considered one of the biggest families during their time. Domingo Lam-co, the family’s paternal ascendant was a full-blooded Chinese who came to the Philippines from Amoy, China in the closing years of the 17th century and married a Chinese half-breed by the name of Ines de la Rosa.

    Researchers revealed that the Mercado-Rizal family had also traces of Japanese, Spanish, Malay and Even Negrito blood aside from Chinese.

    Jose Rizal came from a 13-member family consisting of his parents, Francisco Mercado II and Teodora Alonso Realonda, and nine sisters and one brother.

    FRANCISCO MERCADO (1818-1898)
    Father of Jose Rizal who was the youngest of 13 offsprings of Juan and Cirila Mercado. Born in Biñan, Laguna on April 18, 1818; studied in San Jose College, Manila; and died in Manila.

    TEODORA ALONSO (1827-1913)
    Mother of Jose Rizal who was the second child of Lorenzo Alonso and Brijida de Quintos. She studied at the Colegio de Santa Rosa. She was a business-minded woman, courteous, religious, hard-working and well-read. She was born in Santa Cruz, Manila on November 14, 1827 and died in 1913 in Manila.

    SATURNINA RIZAL (1850-1913)
    Eldest child of the Rizal-Alonzo marriage. Married Manuel Timoteo Hidalgo of Tanauan, Batangas.

    PACIANO RIZAL (1851-1930)
    Only brother of Jose Rizal and the second child. Studied at San Jose College in Manila; became a farmer and later a general of the Philippine Revolution.

    NARCISA RIZAL (1852-1939)
    The third child. married Antonio Lopez at Morong, Rizal; a teacher and musician.

    OLYMPIA RIZAL (1855-1887)
    The fourth child. Married Silvestre Ubaldo; died in 1887 from childbirth.

    LUCIA RIZAL (1857-1919)
    The fifth child. Married Matriano Herbosa.

    MARIA RIZAL (1859-1945)
    The sixth child. Married Daniel Faustino Cruz of Biñan, Laguna.

    JOSE RIZAL (1861-1896)
    The second son and the seventh child. He was executed by the Spaniards on December 30,1896.

    CONCEPCION RIZAL (1862-1865)
    The eight child. Died at the age of three.

    JOSEFA RIZAL (1865-1945)
    The ninth child. An epileptic, died a spinster.

    TRINIDAD RIZAL (1868-1951)
    The tenth child. Died a spinster and the last of the family to die.

    SOLEDAD RIZAL (1870-1929)
    The youngest child married Pantaleon Quintero.

    dr jose rizal people ask

    jose rizal birthday

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    sino si jose rizal,

    who is jose rizal,

    kailan namatay si rizal

    Date of death: 30 December 1896

    Si Dr. Jose Rizal ay pinatay sa Bagumbayan sa pamamagitan ng firing squad noong December 30, 1896. Sya ay nahatulan ng kamatayan

    why rizal is our national hero

    Jose Rizal became the Philippine national hero because he fought for freedom in a silent but powerful way.

    He expressed his love for the Philippines through his novels, essays and articles rather than through the use of force or aggression.

    He was a very amazing person at his time.

    Who declared Rizal as a national hero?
    This was one of the first official steps taken by the Taft Commission to honor Rizal. Since then, Jose Rizal came to be known as the National Hero.

    It was also during the American times that Rizal’s death anniversary was made an official holiday.

    On February 1, 1902, the Philippine Commission enacted Act.

    When did Rizal became our national hero?
    1898,
    Dr. Jose Rizal became our National Hero not only because of his genius, his multiple talents but because of his unquenchable love of the Philippines.

    On December 20, 1898, almost two years after Rizal’s execution, Gen. Emilio Aguinaldo issued the first official Proclamation making December 30 “Rizal Day”.

    why did jose rizal wrote noli me tangere,

    bakit isinulat ni rizal ang noli me tangere,

    ano ang buong pangalan ni jose rizal,

    kailan ipinanganak si jose rizal,

    bakit naging bayani si jose rizal

  • things to do in the philippines

    things to do in the philippines

    things to do in the philippines 10 Top things to do list

    1 See some sites

    banaue rice terraces philippines
    Photo source https://theculturetrip.com/

    There are a lot to see in the Philippines. The country is blessed with a beautiful environment and skilful people whose talented hands created some of the most magnificent man-made structures in the world.

    The UNESCO World Heritage Site, Banaue Rice Terraces; The well-preserved Spanish-style architecture in the historic town of Vigan, Ilocos Sur;

    The Baroque-style Philippine World Heritage site churches: the San Agustin Church in Paoay, Ilocos Norte, the Nuestra Senora de la Asuncion Church in Santa Maria,

    Ilocos Sur, San Agustin Church in Intramuros, Manila, and the Santo Tomas de Villanueva Church in Miag-ao, Iloilo.

    The smallest active volcano in the world Taal Volcano in Batangas; the volcano with the most perfect cone, Mt. Mayon in Legazpi, Albay; the unique land formation that is the Chocolate Hills in Bohol.

    Marvel at the endemic Philippine fauna: Tamaraw, Tarsier, Phillipine Eagle.

    See Top Philippine World Heritage Sites

    2 Go on Beach Holidays

    boracay island
    Photo source: https://www.independent.co.uk/

    The Philippines is a tropical country with one of the longest coastlines in Asia at 36,289 kilometres. It has numerous beaches most with fine powdery white sand and clean, clear and cool blue waters.

    Be sure to bask in the warm tropical sun and get the perfect tan that will be the envy of your friends back home.

    Top Philippine beach locations: Boracay Island, Aklan; El Nido, Palawan; Camiguin Island; Pagudpud, Ilocos Norte; Puerto Galera, Mindoro; Nasugbu and Lian in Batangas; Ternate in Cavite.

    See Philippines’ Top Beaches

    3 Dive

    muck diving philippines

    muck diving philippines
    Photo source: http://www.boldtravel.com/

    The Philippines is Asia’s Dive Capital. If you are a diving enthusiast— amateur or professional, or someone who is looking for an underwater experience of a lifetime, then you must go to the Philippines if only for the reason that the country has the highest density of coral species in the world.

    Philippine seas are some of the most bio-diverse and marine-rich waters in the world and home to a diverse species of aquatic resources.

    Amateur divers can train and get their licenses at any of the diving training centers located in diving spots Anilao, Puerto Galera and Boracay, and once done with training, they can dive side-by-side with professional divers in the country’s other must-see diving spots: the UNESCO World Heritage Site

    Tubbataha Reef and the location of some of the best wreck diving sites in the world, Coron both in Palawan; Verde Island in Mindoro Oriental;

    Apo Reef National Park in Mindoro Occidental, the largest atoll-like reef in the Philippines which includes 285 species of fish and 197 species of corals

    (featured in the SHEDD Aquarium permanent Philippine reef display in Chicago, Illinois, USA) ;

    the Apo Island Marine Reserve & Fish Sanctuary in Dumaguete, Negros Oriental; Balicasag and Pamilacan Islands in Bohol; and Malapascua and Moalboal/Pescador Islands in Cebu.

    See Top Diving Destinations

    4 Engage in your favorite outdoor sports or activity

    philippine golf courses
    photo source: https://www.top100golfcourses.com/

    The Philippines offers a wide variety of sports adventures. Different locations cater to a specific activities: play a few rounds of golf in the different golf courses around the country designed by some of the most famous golf celebrities in the world;

    Snorkel and interact with the “gentle giants”— the whale sharks— in Donsol, Sorsogon; Surf in Siargao Island, Surigao del Norte, Baler, Aurora,

    Daet, Camarines Sur and in Catanduanes province; climb the country’s highest peak at 9,689 feet- Mt. Apo- in Davao City, Davao, trek Mt. Pinatubo

    or explore the Callao caves in Tuguegarao, Cagayan province; go white river rafting in Chico River or in Cagayan de Oro River; go kayaking and canoeing

    at the Bacuit Archipelago and at the St. Paul Subterranean Cave both in Palawan; windsurf in Lake Caliraya or in Taal Lake, kitesurf in Boracay, wakeboard in Pili, Camarines Sur.

    See Top Outdoor Activities

    5 Relax in a spa

    There is nothing more relaxing than enjoying the traditional Filipino “healing” massage or touch therapy called Hilot.

    The soothing touch of this massage relaxes and heals tired muscles and aching joints. Try this and other spa treatments at the Nurture Spa in

    Tagaytay, Mandala Spa in Boracay, Sanctuario Spa in Manila, Chi Spa Village in Shangri-La Mactan, Cebu, and at The Farm at San Benito in Batangas.

    6 Feast

    Be ready to put on a few extra pounds as you satisfy your cravings by indulging in a Filipino feast.

    Dishes to try: Lechon, spit-roast whole pig served with liver sauce; Adobo, pork, chicken or a combination of both, marinated in vinegar, soy sauce

    and garlic and stewed until tender; Kare-kare, meat and vegetables cooked with peanut sauce served with shrimp paste; Sinigang, pork, or seafood in

    tamarind soup; or the freshest seafoods— fish, squid, shrimp, lobsters— grilled to perfection.

    The more adventurous should try Balut or boiled duck eggs containing a partially formed embryo, and Dinuguan, the pork blood stew eaten with

    steamed rice or Puto, rice cakes. All around the country, there are restaurants offering different cuisines from American to Chinese, from Indian to Greek, from Japanese to French.

    7 Shop

    Shopping in the Philippines is an experience both in bargain and variety. Most shopping places or Malls in Manila, Makati, Cebu and Davao virtually have everything that you will need— from designer western brands to items specifically designed for the tourist market.

    Around the country, specifically in city centers, Tiangges or the Filipino version of flea markets abound offering quality items at bargain prices.

    In Manila shop at the third largest mall in the world Mall of Asia, Robinson Place, Balikbayan Handicrafts, Tutuban Center Mall and at the San Andres Market (for fresh fruits and other produce).

    In Makati and its surrounding areas, shop at Greenbelt, Glorietta, Landmark Department Store, Greenhills Shopping Center, Megamall, Shangri-La Mall and at Tiendecitas.

    In Cebu, check out the Ayala Center, the Gaisano Malls, Robinson’s Place, SM City, and for native delicacies, fresh produce and fresh and dried seafood, go to the Carbon and Tabo-an Markets.

    In Davao, shop at Aldevinco Shopping Center (for fabrics, batik, carvings) Victoria Plaza, Gaisano Mall and at the New City Commercial Center department store.

    An experience not to be missed in flea market-shopping in the Philippines is the ”bargaining” where shoppers can buy items with big discount, depending on charm and good bargaining skills.

    8 Experience Filipino Culture

    Philippine culture is best experienced in events and activities that highlight what Filipinos are passionate about— faith, love for country, family,

    beautiful women, and celebrations. Filipinos love to celebrate, and there is no better way of celebrating than by having festivals:

    Ati-atihan in Kalibo, Aklan, January, the best and biggest in the country, it commemorates the feast of the Sto Nino with a week-long street party.

    Groups of dancers dressed as the aboriginal Atis, representing different communities from the city participate in the festive weeklong street party

    that highlights during the feast of the patron saint; Pahiyas in Lucban, Quezon. May 15, the annual harvest festival and feast of San Isidro

    Labrador. Witness the colourful display of kiping and other thanksgiving offerings hung in the houses that line the street where the procession of the

    image of the patron saint will pass. Giant papier-mache effigies join the parade to add to the spectacle of a celebration;

    Masskara Festival in Bacolod City, October, coinciding with the city’s charter day celebration, the festival features carnivals, fairs and a mardi gras-style parade by costumed and masked street dancers.

    There are as many festivals as there are towns in the Philippines and when you attend and enjoy a Filipino celebration, you come closer to understanding the culture of the people.

    Other unique Philippine cultural events and activities include the cultural spectacle Santacruzan—a Maytime procession of beautiful Philippine

    maidens staged as a re-enactment of St. Helen’s quest for the Holy Cross; the awesome display of Filipino religiosity in the frenzied Black Nazarene

    procession during the Quiapo fiesta every January in Manila; the Holy Week rituals in San Fernando, Pampanga— proof of the Filipino’s and

    Philippine culture’s deep Catholic roots; and the displays (giant Christmas lanterns), rituals (dawn masses) and traditions (noche buena feasts) that mark the Filipinos’ celebration of Christmas.

    9 Night life

    There is an abundance of places to go to and enjoy a night out in the Philippines.

    Every major city of the country has a number of nightlife activity hubs with restaurants, cafes, bars, clubs and karaoke bars all promising a good time of fun and entertainment.

    In the country’s financial district Makati, there is the Greenbelt, Glorietta, The Fort, Jupiter St. and J. P. Rizal Street. In the city’s capital, Manila,

    nightlife is diverse.

    There is something for everybody in Malate, and in the newly revitalized Roxas Boulevard and its Baywalk.

    Quezon City is a popular destination of locals as the club prices are a little lower than those in Makati.

    Most clubs are close to each other so common to bar hop. Try the establishments along Timog & Tomas Morato Avenues and Quezon Boulevard, and in Eastwood City in Libis.

    Outside of Metro Manila, there are a number of popular places to go to. The nightlife of Subic in the province of Zambales, is known all over the world because of its history as a former rest and recreation center of the US Navy.

    The city is still teeming with nightlife activities as the Subic Free Trade Port is home to a lot of expatriates from other foreign countries as well and it is now a major Tourist hub.

    Foreign Navies still use the port as a rest and recreation spot every now and then.

    Check out Subic International Hotel and the Magsaysay Blvd. Angeles City in Pampanga, formerly the home of the US Air force in the Pacific, is also known for its Angeles City nightlife stayed almost the same as a lot of retired US and Australian citizens decided to make Angeles City their second home.

    Establishments in Balibago are still popular. The central Philippine city of Cebu is a popular destination among tourists because its nightlife is at par if not better than in Metro-Manila.

    Big development companies have opened up operations in the city as well as major club chain operators have set up their presence.

    Be sure to go to Ayala Mall and in the different establishments that abound Osmena Blvd.

    The ultimate island-nightlife location in the Philippines is Boracay Island in the province of Aklan.

    The island is known for its carefree attitude, and the island is home to a lot of clubs and bars on the beach: Bazzura, Hey Jude, D’ Mall, and the Station 2 establishments.

    10 Watch a performance of World-Class Filipino artist

    The Philippines is home to a number of world-class artists. Occasionally, the Cultural Center of the Philippines, show performances by the Ballet

    Philippines, the Philippine Madrigal Singers, and the Bayanihan Dance Troupe.

    World-renowned artists Lea Salonga and Cecile Licad, from time to time, give performances in big concert halls in Manila.

    The Center of Arts in San Antonio (CASA) in San Miguel, Zambales features violinist Alfonso “Coke” Bolipata and his Pundaquit talents.

    Other groups that showcase the Filipino performing talents are Repertory Philippines, the Loboc Children’s Choir, and the Amazing Philippines Theatre.

    In the Visual Arts, works of world-class Filipino masters Juan Luna, Felix Resurrection Hidalgo and Fabian de la Rosa, National Artists Fernando Amorsolo,

    Carlos Francisco, Victor Edades, Vicente Manansala, other Philippine painting greats and contemporary visual artists can be viewed at the Philippine National Museum,

    the Metropolitan Museum of Manila, the Ayala Museum and in some galleries and University museums around Metro Manila.

    Amorsolo, Carlos Francisco, Victor Edades, Vicente Manansala, other Philippine painting greats and contemporary visual artists can be viewed at

    the Philippine National Museum, the Metropolitan Museum of Manila, the Ayala Museum and in some galleries and University museums around Metro Manila.

    Colleges and universities in the Philippines are home to award-wining performance groups that have been recognized internationally for their artistry and excellence in the performing arts:

    Dulaang UP (student theatre group), the UP Concert Chorus, UP Singing Ambassadors of the University of the Philippines; Ateneo College Glee Club

    and the Ateneo Chamber Singers of the Ateneo de Manila University; the UST Singers and the Salinggawi Dance Troupe of the University of Santo Tomas.

    All around the country in simple stages, live bands and professional singers perform in clubs and music halls showcasing Filipino talent in entertaining.

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