Adventurous Opportunities: Retire with Us and Up-Scale Your Bottomline Reply


I am soon to depart for the PI, my little island I am missing so much right now.

June is coming and it is start of that Equatorial weather we call MONSOON. The rains have started altho still last only about 30 minutes in the afternoon.
I am sad to leave my kiddos. I am sad to leave all of you and my interactions with you I will miss. I am sad to once again leave USA, but some things must be done. At some point somebody’s got to do it. 😉

The spirit in which I built the Resort is so that I have a place to offer my friends when they are so inclined to travel this part of the world. If and when they decide to drop by I have a place ready that I am proud to entertain you in. Living in this environment I never get tired of the wonders it showcases for us daily. There isn’t one panoramic view of the water and the sky every morning I open the doors. There is always a surprise. It is a once in a lifetime experience you ‘must’ have. This very weather I’m talking about- the monsoon, IF you are about getting close to Nature and the beauty of God’s creation I suggest you come visit us at this time. I want to share with you that ‘wonder’. Nature this up-close is just awesome!

“Up-Scale” Your Bottom Line

Consider retiring with us in the Philippines. I will help facilitate all including the legal aspects of migration. If you’ve been to my website you now know that medical concerns like doctor expertise are not a problem anymore. More and more, Physicians and surgeons are trained in the US and they shuttle here and there with ease. Hospitals for their part have medical exchanges between the two countries to facilitate treatment by a US physician. The “expertise” issue is not an issue anymore. Cost-wise it is simply a better deal for you.

Email me for any questions you may have about staying/ visiting the Philippine Islands long term. We have legal counsel to help facilitate all these for you. Living in PI nowadays is so positive overall for your bottom-line it merits at least looking into.

As for us, that is our bottom-line; live above. And it is all so doable!
The Living expense is very very minimal compared to the EU or even the US. The Life style is back to basics laid back simplicity. The environment is natural green and unspoiled.
After all your hard working days– YOU deserve all these!

Contact me here.


pt2 Retirement and Healthcare: Comparative Emergency Room bill USA v. Philippines 2

This is an actual ER bill from San Antonio Hospital, California, USA

See pt1 comparison here for Philippines

Lately I’ve posted some information about Health Care to help those of you who might be considering retirement to a tropical environment like the Philippines but medical considerations had dampen your enthusiasm. With the possibility of healthcare in the US going from “bad” to “grim” there are options open to you.

The term “Medical Tourism” had been around a while now. It had opened up some people’s eyes to the benefits of this ‘other’ kind of tourism, but this informational blog’s aim goes a little deeper than ‘medical tourism’. The information given here is to SEDUCE YOU to consider RETIREMENT and LIVING in the Philippines 😉 And why not?

The advances in information technology had helped contract the world. Even time zones are ‘no matter’ anymore with the term 24/7. Skype puts families from different times zones to ‘real time’.

Whether we are disciples of change and embrace it as readily, or we are dinosaurs (am speaking for myself!) who relinquish grip only tentatively after some convincing, the fact is this rapid change is to our advantage as far as medicine is concerned.

There is an under-current of Philippine life that does not get press- that there is a “great life” to be had in the island. What gets press fair or not- is the bad.

One of those negatives is the thought that the Philippines is so backwards still, especially in medicine. Not so anymore. If the Filipino MDs were to be asked, in the case of Gloria Macapagal Arroyo, Philippine ex-president, these Filipino Docs will tell you that anything foreign doctors can do, they can do. That is believable considering that most of these MDs studied abroad, got their Doctorates, or got US-certified in their respective fields here in the US and EU. These elite Docs travel back and forth as if the world really did shrink to a manageable few hours distance. Philippine hospitals routinely do an exchange fellowship with American medical service providers. There is no problem with calling in reinforcements from outside should circumstances or personal preferences warrant.

That was one of the points in the Arroyo case whereby the ex-president seeking medical treatment abroad was denied travel on grounds that she may just want to flee prosecution from her pillaging of the public treasury and nepotic reign. She was told she need not travel to get the care she needed. Filipino Docs are more than up to the challenge, but should it be necessary, the hospital would fly one in for her.

Now for us non-ex-presidents, that is a comfort to know. What she can afford, You and I using Dollars or Euros, can well afford.

In this part of the post one can see what the numbers really tell using an excellent comparative tool- another ER bill this time from San Antonio Hospital in Upland, California. Here is the first bill from St. Luke’s Medical Hospital in the Philippines. The medical reasons for these two ER visits are EXACTLY the same.
Yes, too bad yours truly had to go through it to have these comparative tools so let’s take the good with the bad, shan’t we?

Below is the ER bill from the San Antonio Hospital here in California. You’ll see they hardly did any tests. They pulled out the old records and used data from those. In a way, thank goodness or I would have had to pay that too out of pocket. (Have I mentioned that we dropped our medical insurance coverage carry-over from my hubby’s company retirement that he earned working for 32 years? And that it was excellent coverage compared to most? Yes I have. Okie..)

June 24, 2012
San Antonio Hospital, Upland, California:

LEV 4, DET HIST. EXAM.MOD—- $401.00
Lead EKG, Interpretation————- 44.00
TOTAL CHARGES—————— $445.00

Compare the above charges to the St. Luke’s which had more detailed exams, at $159.36 minus the 2 X-rays which were unrelated to my original complaint but was done simply because I was already there.

The “Over-55 discount” calculated out to be 16%. As previously stated in the St. Luke’s bill, as soon as the patient is over 55 he/she need not ask for the discount. It is automatically deducted from your bill.
Makes being ‘over…’ not bad at all! Hey, cheer, it’s just numbers!


pt.1 Retirement and Health Care: Comparative Emergency Room bill USA v. Philippines 5

Healthcare comparison- USA to Philippines. USA has excellent healthcare if only it stays that way AND is affordable. No more. The Philippines is emerging out of its shell in technology and medicine. Good thing as the Philippines becomes a haven for American and European tourists who then fall in love with the environment and decide to stay. One of the most important decisions these foreigners have to factor in is quality healthcare that’s affordable. In my personal experiences, Philippine medical is not bad at all.
Saint Luke Hospital is one I like very much. It is much cleaner than the one I had in California- I’m sorry to say that. Attention is immediate, at times in California you had to wait. Take notice of the amount for lab work: minimal USA= $445.00 + monthly. Comprehensive tests and lab work Philippines= $159.00 no monthly premium, no deductibles.
For exactly the same health problem in these two bills there just is no reason to pay so much! More…

Health Care and Tropical Retirement- Now’s the time to think seriously about it Reply

Retirement, Healthcare and Our Freedoms- and why not the Tropical Resort Style that You Oh-so deserved! You worked hard. Time to enjoy.

“…unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.”

Retirement and Healthcare in the Philippines- click this link for continual updates and information.

One of the most important issues we think about and give great consideration to when planning our retirement is “affordable health care.” We would love for you to explore the possibilities of retirement with Us, Macopa Palms Beach Resorts, Philippines.

Our aim is to have you look at us in a different more meaningful way, an alternative to “dull old age” retirement. We are your Resorts style of Retirement Living not “just a place to go for a few days vacation”. The ease with which populations move globally now and the instance with which information is delivered at your fingertips, retiring in the Philippines is more than ever- possible and financially highly beneficial.

I will share a bit of personal background here because of its relevance: Jim had retired from 32 years of corporate life. One of his many duties aside from ‘managing’ Projects engineers was to deal with government compliance. To say this job was stressful was an understatement. He came home quiet, “didn’t want to talk,” sat on his recliner and turned on the tv. On weekends we didn’t go out because he was “tired”. He was “so tired” he feared he’d just fall off his office chair in a massive heart attack he told me. Our relationship was strained, that was a normal outcome of the “tired”. His early retirement was more of a “defensive move” for us in the name of his health. His lenght of service with the company qualified him to retire a year before but his age was 3.5 years short of the required 59.5 at which we could dig into his retirement without penalty. Can we afford to financially? Can his well-being afford to wait? I suppose that was what you call “between a rock and a hard place.”

“RETIRE NOW” was his answer. He had enough. He didn’t even finish the fourth quarter of 2011 and retired in October. This decision was made easy with my ownership of a property in the island of Mindoro, not to be confused with “Mindanao” the troublesome southern most tip of the country. We are on the Northern part. More on this later on..

He had trepidations about the move at first. This move was to a part of the world he knew NOTHING about. Once he agreed to do that, here came my second proposal- let’s build this retirement place into a resort! Hah! No pressure at all! This is a long story here and I won’t bore you.. 😉

You’ve come a long way baby! Indeed, read an email from a happy camper retiree..

Permanent Residency, Long-Term vacation with us at the Resorts have many benefits for you:

    • A choice of 3 locations- we have three properties. The expance will guarantee your privacy needs, yet not feel or be alone unless you want to. Our topographically varied landscapes give our Guests variety in experience and activities. Our restaurant will serve American as well as Italian and Filipino fares. Mundane tasks like laundry, let us worry about that. Our future plans include a grocery/ clothing store, a kids’ playground/ reading room and small medical clinic. The Clinic is for my son Nick, a Navy Hospitalman, to have something to fidget about when he vacations. Hey c’mon now– he needs something to do, right? 😉 He has the promise of help from his Medic buddies. How nice is that!
    • Yours truly at Your service- we live in the Resort and I am at your beck and call to make sure you’re never wanting for anything. Try me!
    • Premiere healthcare that is more than affordable- Manila has some of the more advanced, modern medical care hospitals in Asia for a fraction of the cost. One I recommend is the St. Luke’s Medical Center. I’ve been admitted at its ER twice and I like it better compared to my ER experiences here in California. I was there at the same time as when Gloria Macapagal, ex-president was there. I feared a heart attack in my case! Click the link for a look-see on just how affordable an ER visit is. If you wonder why that is- Philippines is still classified as a ‘developing’ country. With that designation comes cheaper overall standard of living that have beckoned more and more Westerners to permanent residency. Back at the island at the provincial capital is a fee-free hospital. Drop a donation in the box and you’re good to go.
    • High standard of living for foreign money- US Dollar, the Pound Sterling, and the Euro are some of the foreign money that come into our little town courtesy of the ex-pats and foreigners who have found lives in this corner of the world. They count for a lot and buy a lot here. This dovetails the point above; lower standard of living by the citizens mean a higher standard for the above-mentioned foreigners. The locals are just happy and somehow- to Jim’s surprise- FEEL LUCKY that we, the foreigners chose their community to come into! They are very friendly albeit they stare because they’ve not seen anything like you! But I got used to it.
    • Healthy way of life- island life is healthier for obvious reasons. The whole island of Mindoro is blessed with fertile arable land. Rice fields, coconut groves, fruit trees, bamboos and hardwood trees fill its mountains. It make for a very soothing green environment with hardly any pollution at all. Mindoro Palms and Macopa Reefs are ideally situated to benefit from this arable green land. I am an ORGANICS consumer whenever possible. Work is underway today towards self-sufficiency and control of what we consume. We will harvest our own rice, veges, and make our very own bacon. Yeah! The sea yields the freshest of catch You get to enjoy.
    • Guided recreational activities- scuba diving, fishing, we will take you to the local hotspots. Help yourself to catching your own dinner if you want! Hiking trails galore. Brave an overnight trek to Mount Iglit Wildlife Refuge or stay in-resort and hike the hilly terrain of Macopa Reefs, all up to you. Swim as a form of exercise and snorkel at the same time. What could be better? Or sail, kayak, dolphin sight-see, sea-doo; you can be as active as your energy dictates 😉

Mother Nature provides endless entertainment. Enjoy reds and oranges and blues sunsets. Star gaze, we are at the Equator. You’ve never seen the Milky Way if you’ve never seen it from this vantage point. Dance on the sand in the moonlight. Admire a tree full of fireflies. Then let the sound of waves lull you to sleep. How richly deserved!

The City: Forays into Manila or at least Batangas City are a must for grocery runs like milk and oj. You can ride shotgun, I drive, ha ha! The drive to the Pier at Abra de Ilog is an experience! Or we can hop on a commuter plane and be in Manila within 30 minutes. Fresh milk, orange juice, cheeses, steaks and pizzas are not available in the island the way we Westerners would like it so we trek. And that’s ok. I welcome all of these actually. To me it’s great back-to-basics life; so simple yet so enjoyable.

Click here for an email from a retiree totally having a blast right now!

As for me, I am an American Adventurer Entrepreneur pursuing my Freedoms to do so. I was born in the Philippines and this is homecoming. Let’s go on this adventure together… after all, a wise man once said:
“We are the Captains of our own destiny.” How right!