Status Of Quarantines In The Philippines

Status Of Quarantines In The Philippines

Passing this message along from the US Embassy:

Starting Sunday, January 3, 2021 at 12:01 a.m., the Philippines will temporarily ban the entry of travelers from, or who have transited through, the United States. Passengers coming from the United States or who have transited through the United States who arrive before Sunday should be allowed to enter the Philippines, but will be required to complete a 14-day facility-based quarantine regardless of their RT-PCR test result.   


Health Alert for U.S. Citizens in the Philippines:  Updated Travel Information Related to the Ongoing COVID-19 Pandemic


Through January 15, 2021, the Philippine government has suspended all flights from the United Kingdom and will bar entry to travelers originating or transiting from the following locations:  the United Kingdom, South Africa, Switzerland, Italy, Denmark, Israel, Hong Kong, Spain, Ireland, the Netherlands, Singapore, Lebanon, Japan, Canada, Germany, Sweden, Australia, France, Iceland, and South Korea. 


Passengers already in transit, or who were in any of the locations listed above within 14 days of their arrival in the Philippines, and who arrive before December 30, 2020, will be allowed entry but are subject to a mandatory 14-day quarantine, regardless of a negative RT-PCR result. 


For more information, see the Manila International Airport Authority website


The Philippine government also announced that the following quarantine classifications will be in effect through January 31, 2021:


General Community Quarantine (GCQ): 


Luzon – National Capital Region (Metro Manila), provinces of Batangas, Isabela and Santiago City; 

Visayas – cities of Iloilo and Tacloban; and 

Mindanao – Iligan City, Lanao del Sur, Davao City, and Davao del Norte.   


All other areas are placed under Modified General Community Quarantine (MGCQ). 


As a reminder, the Philippine government mandated all persons to wear full-coverage face shields together with face masks while in public places. Local governments continue to implement additional requirements to slow the virus’ spread. For more information, please see our COVID-19 information page


Christians Deceived By Promises Of "Your Rights"

Christians Deceived By Promises Of "Your Rights"


Mt 5:11  [Blessed are ye, when men] shall revile you, and persecute [you], and shall say all manner of evil against you falsely, for my sake.

2Ti 3:12  Yea, and all that will live godly in Christ Jesus shall suffer persecution.

Over the last few centuries there has been an agenda to lead masses of people by proclamations of human rights and freedom. These movements are always lies. I understand the appeal. My "rights" appeals to my flesh. 

But understand that you have no rights in this fallen world.

Genesis 3:16 ¶  Unto the woman he said, I will greatly multiply thy sorrow and thy conception; in sorrow thou shalt bring forth children; and thy desire [shall be] to thy husband, and he shall rule over thee. 17 ¶  And unto Adam he said, Because thou hast hearkened unto the voice of thy wife, and hast eaten of the tree, of which I commanded thee, saying, Thou shalt not eat of it: cursed [is] the ground for thy sake; in sorrow shalt thou eat [of] it all the days of thy life; 18  Thorns also and thistles shall it bring forth to thee; and thou shalt eat the herb of the field;19  In the sweat of thy face shalt thou eat bread, till thou return unto the ground; for out of it wast thou taken: for dust thou [art], and unto dust shalt thou return.

This world and our life in it are cursed, but those who have no hope outside of this world tell us otherwise.

They promise justice, but there will never be any justice in this fallen world.

They promise Utopia, but there will never be any Utopia in this fallen world.

The wicked shall always prosper in this world until the Lord makes a final end of this world and raises up a new earth in its place.

Christians should not be dragged into any struggle for their Constitutional rights or any other kind of rights.

The first Church is the example. At any time did any of them petition Caesar for their rights when he was persecuting them? Did they protest the Jews for persecuting them?

Well, did they?

Promises of your rights are a distraction, a deception and a delusion.

Rights are part of the "cares of this world":

(GWV)Mark 4:18  Other people are like seeds planted among thornbushes. They hear the word, 19  but the worries of life, the deceitful pleasures of riches, and the desires for other things take over. They choke the word so that it can’t produce anything.

I understand this is much easier said than done. We all desire comfort and ease. None of us enjoys even little annoyances much less major affronts to our rights. But it is still the truth and Christians need to know it and think about it, as we go into the coming storm.

In the meantime, turn down your karaoke before I have to come over there, buddy.


Christians, Beware False Advocates

Christians, Beware False Advocates



Mt 7:15  Beware of false prophets, which come to you in sheep’s clothing, but inwardly they are ravening wolves.

Mt 10:16  Behold, I send you forth as sheep in the midst of wolves: be ye therefore wise as serpents, and harmless as doves.

Christians today are continually being led away by those who claim to be on their side: politicians, entertainers, PASTORS and others who come bearing false friendship and false affiliation. 

Satan weakens the church through these false friends.

You may think that friends in high places make you strong, but this is a deception.

The early church was more persecuted and tormented than we can ever imagine.

But did this lack of powerful worldly allies make them weak?

Not at all. They were much stronger than we are now.

Early Christians did not place their faith in megachurch pastors, politicians, the legislative process or their money.

Early Christians had none of those things to count on. They had only God and Jesus Christ.

It took him a century or two, but Satan figured out that Christians will set aside trust in God when they are given other things to trust in. Satan learned that the best way to destroy the church is to lead the church.

In rereading the paragraph above I see it to not be accurate. From the very beginning, Satan was attempting to insert his people into the church.

Satan has supplanted our faith in God with a whole host of earthly power figures that are nothing but idols and Satan uses them to appeal to our own selfish interests. 

Through the years he has planted his wolves in sheep's clothing into leadership positions throughout Christianity. These preening snakes keep silent on the cultural decay that is dragging the church into the sewer and silence those who question the liberalization of the church. 

The church is becoming more and more like the world. Christians are becoming more and more worldly.

Whether it is your money, your position, your skills, your profession, your religious bureaucracy, your political party...all can be used to pull your faith from God and onto those things. 

You are in this world, but you are not of this world. Therefore, you should never trust in the things of this world.

What are you trusting in?



What Is The Chief Crime Of Babylon?

What Is The Chief Crime Of Babylon?


Whore of Babylon - Blake

My acquaintance with eschatology goes back many decades. I grew up hearing many different men speak on the subject. I loved to hear all of their varied interpretations of the Revelation and Daniel and other books thought to contain glimpses of our future.

One interesting topic that came up quite often and still does is the use of the word "sorceries" in the Book of Revelation:

Re 9:21  Neither repented they of their murders, nor of their sorceries, nor of their fornication, nor of their thefts.

Re 18:23  And the light of a candle shall shine no more at all in thee; and the voice of the bridegroom and of the bride shall be heard no more at all in thee: for thy merchants were the great men of the earth; for by thy sorceries were all nations deceived.

Early on there was not much expounding on this word and it was simply passed off as some form of witchcraft used to beguile the world. 

But eventually I picked up on the fact that the Greek word behind "sorceries" is more interesting than most give it credit for being.

The Greek word used in those two passages is φαρμακεία, transliterated as pharmakeia. You notice this is the word from which we derive pharmacy and pharmaceutical.

 The word φαρμακεία is found in Strong's Concordance reference # 5331:

1) the use or the administering of drugs
2) poisoning
3) sorcery, magical arts, often found in connection with idolatry and fostered by it
4) metaph. the deceptions and seductions of idolatry
This indicates that the global administration of some sort of drug(s) plays a key role in the end time.

But there is a lot more to this word φαρμακεί.

In general, both the Greek (φαρμακεία) and the Latin term (veneficium) indicate a type of homicide or attempted homicide: so in Greek themes the charge of φαρμακεία is essentially interchangeable with φόνος, as well as with ἐπιβουλή; - Law and Ethics in Greek and Roman Declamation, p. 157

φαρμακεί (sorceries) is interchangeable with φόνος and ἐπιβουλή?

What is the meaning of these two words?

φόνος: murder 

ἐπιβουλή: plot (conspiracy)

for by thy sorceries were all nations deceived

I believe that the metaphorical sense (deception) is active in the meaning here, but there is also a strong possibility that it also involves a world wide conspiracy to commit mass murder with drugs.

This is the chief crime of Babylon.

And what is the punishment for her crimes?

Re 17:16  And the ten horns which thou sawest upon the beast, these shall hate the whore, and shall make her desolate and naked, and shall eat her flesh, and burn her with fire.

Who is this Babylon?

Germany is the largest pharmaceutical exporter. Switzerland is #2 and the U.S. is #3.

Seems Babylon is a multi-polar operation.

Who pays leaders of other nations to push their drugs?

All makers of pharmaceuticals it seems: (ex.1, ex.2, ex.3, ex.4 (several examples in #4), ex.5 and many more).

Who controls the poppy fields? Seems as though a multinational conglomerate does.

Who controls the heroin and coca trade? Another coalition of the willing. Same with ice and every economically viable illicit drug. 

Many hands upon the poisoned chalice.

Many nations sitting upon many waters and many peoples, multitudes and tongues are joined together as Babylon.

Do not kid yourself about cartels. Cartels cannot exist without a lot of aid and comfort from government. As the book says, the whole earth lieth in evil ruled over by vessels fitted unto destruction. 

There is always a price to be paid. They shall pay it to the flame.

Also of note is the fact that φαρμακεία refers to criminal poisoning. The word virus is from the Latin meaning poison.

The chief god of Modern Babylon is Apollo, who both casts the plague and heals it. The arrows of Apollo are flying.

It is probable that the United States is Babylon The Great.


Path To War?

Path To War?



I have no idea how the situation in the United States will work itself out, but it cannot be denied that there is a precedent for civil war.

The Confederate States of America was born February 8, 1861 and elected its first and only president, Jefferson Davis, ten days later on February 18, 1861.

Two weeks later on March 4, 1861 Abraham Lincoln was sworn in as President of The United States.

War was never formally declared by the either the Confederacy or the Union, but it is a matter of accepted fact that the war began with the Confederate Bombardment of Fort Sumter that began on April 12, 1861. Mind you that this refers to the beginning of the hot war. The road to war had been started years and maybe decades earlier.

A nasty divorce is brewing in the United States once again and the differences are perhaps even more irreconcilable  than they were 160 years ago. If the two sides each choose their own president again, then the path to war will be almost certain.

Civil war is not undertaken without determined leadership on both sides stoking it. With America the leadership of these sides ultimately receives funding and marching orders from a single source whose goal is to keep the masses divided. They have that and it appears that the people have no hope of ever escaping it (so deep and complete is the division), so the actual hot war will probably never be implemented.

If you want to know the truth about the first civil war, then do not go to wikipedia or google. They are both revisionist, as are all textbooks. Go to your local library (if you are in the US) and see if they have any period books on the subject in the temperature and humidity controlled room where they keep their old and rare books (if your local library has one of those). That is what I did long years ago. Those century+ old books will tell you things that google, your teachers and your professors never will...the truth.




Forecast For The November 3 US Elections

Forecast For The November 3 US Elections


one of the Grinches that stole the election

After the election I struck through the items that missed. Since that time I have been removing the strike-through, as some things have come to pass.

Trump wins the Presidency.?
Democrats take the House and Senate.
Democrats immediately begin a new impeachment process.
Multinational Corporations will get untold billions trillions behind the scenes.
The dollar will be further debased.
Democrat voters will blame Republican voters and Republican voters will blame Democrat voters.
Trump and Biden will share a toast over Zoom.
Trump will be successfully impeached by the House and convicted in the Senate this time, but the decision will be reviewed and overruled by the Supreme Court. What happens next will be interesting.
The United States is like a huge gun. Democracy in the United States is like a room full of drunks fighting over who gets to hold the gun.
Joe Biden bragging about threatening to withhold $1,000,000,000 from Ukraine unless they fire the man investigating his son:
Quid pro Joe
I keep hearing this guy use the word compassion. He is the party that supports the dismemberment of infants in the womb by the tens of millions and who make billions of dollars from that mass murder. Compassion? They have all the compassion of Mao. Did these people have compassion upon the thousands of nursing home patients they deliberately killed with Coronavirus after giving immunity to nursing home executives? They claim the compassionate high ground with illegal immigration, but neglect to mention that it was the Obama and Biden administration that built the cages. They talk about children being separated from their families, but neglect to mention that those children were not brought across the border by their families. They were most likely trafficked by cartels. These people have no compassion at all. They lie and use people as their pawns and the news media are their criminal co-conspirators. 
And this: 
A glitch in software used to tabulate ballots in Antrim County, Michigan caused at least 6,000 Republican votes to be counted as Democrat, according to Michigan GOP Chairwoman Laura Cox.
The miscalculation, Cox said in a press conference, was first reported by a county clerk. A short investigation revealed that 47 counties in Michigan may have also suffered from a similar glitch with the same software, which could have caused some red counties to rake in a higher number of Democrat votes than usual.
And the same software was used in 30 other states.

Dominion Voting Systems is connected to many high profile Democrats.

Dominion bought out Sequoia Voting Systems.  Sequoia was behind the hanging chad controversy and many many others:
A 2007 investigative report by Dan Rather charged Sequoia with deliberately supplying poor quality punch-card ballots to Palm Beach County, Florida for the 2000 election. According to former Sequoia employees, the ballots for Palm Beach County were produced with paper and manufacturing processes that were outside of normal specifications. This supposedly caused all of the problems with "hanging chads". When quality problems were found, Sequoia management ordered the production workers to ignore them. One worker speculated that the object was to discredit punch-card ballots and thus promote sales of electronic voting machines.
Nothing to see here. Anyone with questions hates Democracy and should be put on a list. Electronic voting is a filthy dirty scam designed to make the vote go whichever way they want it to go.

They keep saying baseless this and baseless that and that there is no proof. Well, the criminals have possession of the proof and they are in the process of making it go pooof. Democrats are the world class professionals when it comes to screwing elections. They have been doing it to each other for decades.
Another funny thing is how that up to a few days ago all we heard about was how terrible COVID was, but now suddenly it is all just fine and there is no problem with thousands of idiots huddling maskless in the streets to celebrate a victory that will soon turn sour in their bellies.  
And did you notice that there were 0 riots (unless you count Antifa violently attacking conservative families in DC)? So why did Democrats board up their cities? I guess they know their own very well. Spoiled, immature and utterly criminal brats. 
But to the Trump supporters I have a message. Trump was never your savior. He was just an arrogant man lifted up in pride and doomed to fall. 
You think he will never flip? Do you remember how he pushed hydroxychloroquine? What happened when he came down with COVID (which in itself is suspicious)? He flipped! He started pushing super expensive Israeli Remdesivir as a miracle cure. He is a world class Olympic flipper. And when he uses the military to, in his own words "powerfully distribute" the mRNA vaccine he will continue his incremental flipping on φαρμακεία.
You Christians who supported Trump were duped yet again into placing your faith in man. It's all a deception and you should know that. 
Jesus Christ was not glorified by political victories. He was not glorified by getting the best of his political opponents. He was glorified by being spat upon and hung on a tree. I know Jesus Christ and Donald Trump is no Jesus Christ.
God sent a savior and your eyes should be on him not Trump or any other self seeking demagogue. 

Lu 21:34  [And take heed to yourselves, lest at any time your hearts be overcharged with surfeiting, and drunkenness, and cares of this life, and so] that day come upon you unawares.
"cares of this life"
You keep allowing yourself to be pulled into Satan's game. He fills our senses with the cares of life these days. He got you again with Donald Trump and all of the evil things that Trump was designed to appear to counter.  Yet Trump supporters ignore the evil things that Trump himself is and has been involved in. There is a lot of self serving tunnel vision being exploited on both sides.
Let it go. There is no hope for this world. Politics will not save you nor will it save America or the world. Jesus did not join the Zealots - the right wing of his day. Jesus prophesied the breaking down of the temple, which was a direct result of the Roman response to the Zealots. 
Render unto Caesar that which is Caesar's, but don't join his party. And don't get too attached to your temples (God does not dwell in them anyway) or your "way of life" for as we should know, the fashion of this world is passing away. 
Of all of the translations, I think that the "God's Word" translation best conveys the meaning of this verse:
1 Corinthians 7:31 (GW) Those who use the things in this world should do so but not depend on them. It is clear that this world in its present form is passing away.
Some voted for Trump to preserve the fashion of their world. Others voted against him to change it. People are playing tug-of-war to determine the fashion of this world. All are doomed to fail. This world is passing away and we are only sojourners in it.
Alexander the Great gained the whole world, then he lost it at only 33 years of age. 
What did it matter at all? 
None at all 
Trump may yet snatch victory from the jaws of the fraudsters, but that too matters none at all in the grand scheme.



Jack Nicklaus (80) Had Coronavirus

 Jack Nicklaus (80) Had Coronavirus


Golf legend, Jack Nicklaus, talks about his run in with the lab made contagion:
“Sure, I was concerned. I took hydroxychloroquine. Gone in two days.”
“The hospital gets more money with COVID death than they do another death. I’m sure there’s been a lot of that.”

The criminals who walk in our midst have become very brazen in this late hour. Mr. Nicklaus' last two sentences hold a bitter black pill that you need to swallow and comprehend.


US Passport Photo Requirements

Passport Photo Requirements


The United States Embassy in Manila has released a notice to the public in regard to the poor quality of photos that they have been receiving with passport applications. The notice states that poor quality photos are the number one reason for passport delays. 

I personally have found that being proactive with quality assurance is quite necessary in making sure that I get acceptable passport images (or images for any other use).

If you have the proper equipment and setting, then you can produce your own passport images by following the Passport Photo Guidelines provided by the U.S. State Department.
The top five reasons for passport images being rejected by the U.S. Embassy:
  • Photo is digitally edited or retouched – Do not alter or edit your passport photo. This includes airbrushing the background to make it appear whiter (as this sometimes affects the shape of the head) and photoshopping of attire. Your passport photo should be the best likeness of you; do not use filters commonly used on social media.
  • Eyeglasses – Please remove your glasses for your passport photo, even if you normally wear them. If you cannot remove your glasses for medical reasons, please include a signed note from your doctor with your application.
  • Photo is more than six months old – Your photo must have been taken within six months of submitting your passport application.
  • Head size is incorrect – Often, the photo has been taken from too close or too far away. The head should be centered in the photo and sized between 1 inch and 1.4 inches (2.5 cm and 3.5 cm).
  • Poor-quality image or photos – We cannot use blurry, grainy, or pixelated photos, or photos that are not printed on photo-quality paper. Your photos should always be clear and as high-resolution as possible. 
This information is good to keep in mind not just for your US passport photos, but for any and all images that are required for IDs and other purposes. Size and background color of images may vary depending on the use.


Is The US Anti-Immigrant?

Is The US Anti-Immigrant? 

I recently saw several Filipino women on CNN talking about how anti-immigrant the US is because it protects its border and enforces immigration laws. 

These women are in the US and they are Democrats. I wonder if these women understand that the Philippines is more strict about immigration than the US is. 

Of course they do know this, but they are Democrats and will therefore say anything that benefits themselves personally truth be damned. 

We know of a family who flew to Mexico and attempted to enter the US illegally. They think they have the right. What would happen to you if you did this in the Philippines? It is not hard to find out. The Bureau of Immigration webpage and the news are full of people who were arrested, jailed and or deported for doing such things. 

Does this make the Philippines anti-immigrant?

No. It most certainly does not.

A nation has not only the right, but the responsibility to protect its border and its citizens and to control immigration through an orderly process of law.

But people who want to parasite off of the US will say anything. 

They are the kind of people who defund the police and then call the police to save them from the mobs. 

Or like the defund the police moron who called the police on a Lyft driver who refused to roll up his windows. She blames white supremacy, instead of her own entitlement mentality. Yes, I am sure the Lyft driver wanted to crack his windows because he is a Nazi. Makes sense doesn't it? I guess she never heard of COVID19.

Open borders and defunded police are just a small part of the credo of the stupid. Stupidity, criminality and the entitlement mentality are unsustainable, but once these seeds are planted in young minds they are all but impossible to remove and they become a ticking time-bomb for a society. Who doesn't love free s#it? But getting things for free is not good for the human spirit and it does not build character and integrity. It creates a society of dependents who are slaves addicted to the free s#it machine. That is exactly what Communists (the arch-Capitalists who run the Democrat party) want.

And when these psychopaths get the power they want the free s#it machine grinds to a screeching halt. Then you get the gulag and the bread line. That is what is coming to America all thanks to entitlement mentality useful idiots, like the ones mentioned at the beginning of this post.


The Strangest Dream I Ever Had

The Strangest Dream I Ever Had

I had a dream a while back that was like no other dream I have had in my life.

It was very confusing and took me some time thinking about it to begin to figure it out.

Still not sure I have.

There were two people in the beginning. But it is more complicated than that. It was my mother and father and they were young. They both looked like movie stars from the golden age of cinema when they were younger. Everything fell apart for them later in life, including their marriage. In the dream they were glamorous and they were on a train. 

I said it was complicated. My wife and I were there too, but it is like we were somehow co-mingled with my parents. It was only our minds. So there were the physical bodies of my parents and our four minds and it was like we were all one.

My mother spoke to my father as they were seated on the train. She said, "Where did the time go?"

My father replied, "here."

My mother said again, "why does it sow so long?"

I knew that she meant "sow" as in sowing seeds and I am not sure, but I think she was talking about time.

The next thing I knew my parents (all of us) were standing near the exit of the train and my daughter was outside the door and she was maybe twenty years older than she is now.  

My daughter was a bit excited as she said "we are so getting out of this place!" 

That was it.

Later that day I realized that it was the anniversary of my mother's death. 

The dream could be a pun about sowing time. I looked it up and in the Bible the time of sowing is around the autumnal equinox, which is nearly upon us. 

This is a profound dream. My mother asked "where does the time go?" and my father answered "here," so where is "here"?

I believe that the here he was referring to is eternity where the two of them are.

All time (and space) are draining into eternity.

The oceans of this earth seem pretty big to us, but if you imagine all of those oceans being poured into another ocean that goes on forever they are really not much of anything in those terms.

That is what is happening to our space-time. It is being stretched out into eternity.

Anything divided by infinity is nothing. That is what time is. Time is nothing in eternity.

It seems like it takes so long for time to pass, but when it's gone we realize how truly short the time is. 

We'll talk about my Palawan and SCS dreams (many of them) some other time.


2020 Philippines Census: Expats Count

2020 Philippines Census

It Is Census Time Again In The Philippines

The Census begins and ends in the month of September.

Census taker was one of the hats I wore when I was working through college. I am well aware of the very common antipathy for filling out the Census questionnaire.

Did you know that in the US you can be fined for refusing to fill out the Census questionnaire?

The Philippines also takes the Census very serious, so serious that Section 25 of  Republic Act 10625 is referred to twice on the front of the Census questionnaire:

Obligation to Provide Information. – The National Statistician shall determine whether a statistical inquiry or survey to be conducted is with or without an obligation to provide information. If such obligation is stipulated, all respondents whether natural or legal persons shall be liable to reply to the statistical inquiry or survey. This section applies to all statistical inquiries or surveys conducted by other statistical offices in the PSS.
A lot of times the Census takers like to sit down with each individual and fill out the form. The Census taker will probably be someone you know who is from your own community, so they will probably let you have a copy to fill out at home at your leisure. 

There is nothing too invasive about any of the questions, but I understand the appeal to personal privacy that some people may put up. 

Still, responding to the Census is the law of the land and as the front page of the questionnaire states, under RA 10173 data privacy does not apply to the material you are asked to disclose for the Census.

Your answers are confidential, but like I said there is nothing too juicy in there. Your neighbors probably all know that you have a flush toilet and a fridge.

After you complete the process, the Census taker will place a sticker on your residence noting that you have been counted.   


Philippines Expat Guide To Returning To The USA

Philippines Expat Guide To Returning To The USA

Table Of Contents:


Things Change

Have you been living in the Philippines for five or ten years?.

Has you US state driver's license expired?

Have you cancelled your US credit cards? Do you know what your current credit profile looks like?

Many things can change what we thought was a permanent move to the Philippines.

Maybe you have a son or daughter who will go to college in the US. 

Or maybe you just decided that you want to work again.

Returning to the US after a decade living in the Philippines can be a challenge.

Before you move to the Philippines you should a contingency plan for a return to the United States, because everything changes with time. 

You Will Need Credit To Travel

Don't wait until the last minute to consider your credit profile. It can take a long time to fix a problem that you don't even know that you have.

Do you have a low credit limit. Do you have bad credit? Do you know? I suggest getting acquainted with your credit report and score.

Don't wait. You should be doing that now.

It could take anywhere from days all the way to eternity to get your credit shaped up for a trip back to the US, depending upon your situation.

If your credit profile is in particularly poor shape or you do not have any active credit accounts, then you may need to start building it up with a secured credit card:
A secured credit card is a type of credit card secured by a deposit account owned by the cardholder. Typically, the cardholder must deposit between 100% and 200% of the total amount of credit desired. Thus if the cardholder puts down $1,000, they will be given credit in the range of $500–1,000. In some cases, credit card issuers will offer incentives even on their secured card portfolios. In these cases, the deposit required may be significantly less than the required credit limit, and can be as low as 10% of the desired credit limit. This deposit is held in a special savings account. Credit card issuers offer this because they have noticed that delinquencies were notably reduced when the customer perceives something to lose if the balance is not repaid.
After a few years of little to no activity on your credit report you become an unknown risk to the card companies. Credit cards that you maintained a good payment history with will give your credit rating a boost for up to ten years after having been closed. The bad ones only stay on the record for seven years. 

A secured card is one of your options when you have few credit options. It may take a year or two but you can build that initial secured card with a $500 limit into a couple of unsecured cards with a $10,000 limit or more.

A $10,000 credit limit is the low end of what I would consider as necessary for a return to the states (augmented by cash reserves and ongoing income). More would be better. You need to determine what you need and start working to get your credit limit and cash reserves up to that number.

Most of the big ticket items involved with return to the states require a credit card or work a lot easier with one than without one.

estimate of return cost

Rental Car Insurance

The collision damage waiver and liability insurance that rental car companies offer at the time of your rental can be a little pricey. Normally, you would be covered by the insurance that you have on your daily driver auto. However, if you have been living in the Philippines for years that likely does not apply.

Many credit cards will provide the collision damage waiver as a free benefit if you book the rental with the card. You need to become well acquainted with the fine print in your card’s policies regarding what is and is not covered by the “free” CDW that comes with your card. And remember that you still need liability coverage.

Keep in mind that if you do damage the rental car you will have to settle that cost before you can file any claim.

This is true even if it's the other guy's fault.

If you rent a $25,000 vehicle and total it, then you may be asked to settle that expense plus other costs with the rental company immediately. Can your card limit handle it?

Liability Insurance is at least as critical as CDW. I would not want to start off my return to the states by having to pay tens of thousands of dollars due to an accident for which I did not have liability insurance.

Rental Vehicle Insurance Options

Buy Insurance From The Rental Car Company

You can purchase liability and or collision damage waiver (CDW) insurance from the rental company. Each one will cost approximately $10 per day. Be sure to understand exactly what is and is not covered by each insurance option that you purchase.

Maintain A Non-Owner's Auto Insurance Policy

In advance of traveling to the US and perhaps before you ever come to the Philippines you could acquire a non-owner's auto insurance policy. Apparently, there are people who maintain this type of policy, while living overseas. Non-owners auto insurance could be useful for intermittent rentals and also to make it easier to transition to an owner's policy when you buy. 

Your driving record is a lot like your credit record and even more sensitive to a blank spot. After a few years of lapsed coverage the insurance companies may evaluate you as the same way that they reckon someone with no driving history. They have to account for an unknown risk and they will do that with higher premiums. A non-owners policy will keep you on the books so that you never fall into the category of unknown risk.

Buy A Car Online

Avoid the rental car and find a permanent vehicle on a site like Cars Direct or Cars.com.

You can pick three or four vehicles a few days before arrival and then make the final decision in person. Work with an insurance agent before you ever get to the US to ensure that you are fully covered before you leave the sales lot.

I did this before and Cars Direct even picked me up from the airport.

Long Term Rental Housing

Many landlords require that you have a minimum credit score. What if you pick out a nice place only to discover that the landlord requires you to have a minimum credit score of 700 and you do not even know what yours is? You can prevent that by maintaining your credit, while living in the Philippines.

In planning for long-term rental calculate enough cash to cover first month, last month and security deposit and be prepared to pay this in cash - just in case. 

Driver's License

I do not want my US license to expire leaving me with no license at all, so before that happens I need to go down to the LTO and apply for a Philippine driver's license.

I have been busy updating because LTO is 404-ing a lot of pages. Be aware that things change fast and frequently.

Requirements for conversion of a foreign driver's license:
  1. Duly accomplished Application for Driver's License (ADL) form;
  2. Original and one (1) photocopy of passport with entry date of at least one (1) month and visa duration of at least twelve (12) months from date of application; 
  3. Original and machine copy of valid visa or Alien Certificate of Registration (ACR) if the foreign applicant temporarily resides in the Philippines;
  4. Electronically transmitted medical certificate in LTO prescribed form (present original);
  5. Original and one (1) photocopy of valid foreign DL. If the foreign Driver’s License is not in English language, original and one (1) photocopy of official English translation; 
  6. Original copy of drug test result issued by DOH Accredited Drug Testing Center; 
The meaning of #2 above is that you must be in the Philippines at least one month before you apply for a license and when you apply you must have a visa that allows you to stay in the Philippines for at least one year beyond that date on which you are making your license application. This bars all temporary visas. If you do happen to slip through the cracks and get a license anyway beware. If you are stopped by the PNP they will probably seize your license.

If you are converting a foreign license that is valid, then no exams are required. If it is expired, then you will be subject to both practical and written exams.

In the US, when you apply for a license in a different state you must turn over your old license. This is NOT the case when you apply for a Philippine driver's license. Make sure that you get your US driver's license back.

The fee for conversion of a foreign driver's license is 752.63 PHP.

You can download the driver's license application or fill out a copy from your local LTO.

A Philippine driver's license is valid for five (5)years:
Non-professional driver's licenses, professional driver's licenses and conductor's licenses shall be valid and effective for five (5) consecutive years reckoned from the birthdate of the licensee, unless sooner revoked or suspended.
Note the statement, "reckoned from the birthdate of the licensee." If you want it to be valid for a full five years, then apply on your birthdate, because the timer begins on your last birthdate not your next birthdate.

In most locations the medical certificate is required to be transmitted online directly from the examining physician to LTO:
LTO System hard validation of medical certificates will start on February 4, 2019 (Monday) in the NCR.
LTO-IT System will automatically prohibit transactions requiring medical examination certificates unless such are electronically uploaded.
Please ensure that the doctors where you get your medical certificates has already uploaded it to the LTO IT System before you proceed to LTO Office with the hard copy.
You can check/look at the computer screen to make sure of the uploading in the LTO IT System.
There may still be some locations that have not yet adopted online transmission, but they will eventually all require it. I am hearing that the exam fee ranges 500-600PHP.

LTO does have an online appointment system, but if you visit that site you will see that in order to use it you must input your existing Philippines driver's license number. You will not be able to use the online system for your initial license.

Be sure to follow the dress code whenever you visit any LTO office:

To avoid being scammed or misled be sure to avoid fake LTO websites, email addresses and FaceBook pages. Check the official LTO FaceBook for a listing of all legitimate sites for LTO.

Staying current with a Philippine driver's license may not make it easier  to get a US state driver's license, but at least you will be able to use it temporarily to get around. 

If you do not have a valid US state license, then be prepared to take all of the written & road tests for a state license. If you do have a valid state driver's license, then you will be required to turn it over (why?) if you are attempting to get a license in a different state. The good news is no tests! usually.

If you do have a Philippine driver's license, then you will be able to keep that. 

You will be required to establish residency according to state laws before applying for a driver's license.

Keep in mind during this time of COVID that the LTO may turn you away if you are older than 59 years of age.

Emigration Clearance Certificate

If you have been in the Philippines for many years, as I have, then you will be required to obtain an Emigration Clearance Certificate prior to leaving:
BI Spokesperson Elaine Tan said that based on airport statistics, foreign nationals who failed to present their ECCs comprised 33% of travelers who were denied departure. “It is unfortunate that we have to deny the travel of our foreign friends, but we have to implement the law”, Tan said.

Section 22-A of the Philippine Immigration Act provides that a foreign national who is about to depart from the Philippines temporarily or for good should seek clearance from the Commissioner of Immigration to insure that the foreign national has no pending obligation with the government of the Philippines.
Two Types Of ECC

The ECC-A is for those who are departing the Philippines permanently:
  • The following foreign nationals are required to secure regular ECCs at any of the 17 BI offices and present the same upon departure:
    • Holders of Temporary Visitor Visa (tourist visa) who have stayed in the Philippines for six months or more;
    • Holders of expired or downgraded immigrant or non-immigrant visas;
    • Holders of valid immigrant or non-immigrant visas who are leaving for good;
    • Philippine-born foreign nationals who will depart from the Philippines for the first time;
    • Holders of tourist visa with Order to Leave;
    • Seafarers who have stayed in the Philippines for 30 days or more.
  • Applications for regular ECCs shall be filed three days prior to departure and shall be valid for one month upon issuance. Foreign nationals must submit the following requirements upon filing of the application:
    • Application form;
    • Photocopy of passport (bio page, visa pages, latest arrival);
    • Original and photocopy of ACR I-Card;
    • Photocopy of receipt of latest visa extension;
    • Photocopy of order of downgrading (if applicable);
    • Five pieces 2x2 photo
According to BI Order No. SBM-2015-00, you may apply for your ECC-B at the airport if you:
a) Are leaving the country within twenty-four (24) hours and with Boarding Pass;
b) Stayed in the Philippines for six (6) months but not more than one (1) year;
c) Are a holder of a valid Temporary Visitor’s Visa (TVV);
d) Have no pending obligation with the Government, its instrumentalities, agencies and subdivisions, and have no pending criminal, civil or administrative action which by law requires your presence in the Philippines; and
e) Are registered under the Alien registration Program (ARP) and were issued a Special security Registration Number (SSRN).
The airport ECC-B is also available for holders of valid immigrant or non-immigrant visas who have an ACR-I card and intend to return to the Philippines.

Fees for ECC:
  • 1210 PHP (approximately) 
  • Additional fees may be charged if the foreign national is found to have arrears.
If you get an ECC-A, then make certain that you get both a receipt for payment AND the actual ECC certificate.

Even though the BoI directive states that, as a 13a holder, I can obtain my ECC at the airport I am a little concerned about leaving that to chance and being told something different when I get to the airport. Having never done this before, I still want to talk to BoI about it to put my mind at ease.

I googled "Emigration Clearance Certificate" and read everything I could find about other people's experiences.

Travel Documents Required For Dual Citizens

According to the Philippines Department of Foreign Affairs, it is possible for dual nationality holders to depart the Philippines with only a foreign passport if they present a Philippine citizenship document (like a certificate of naturalization):
Filipinos with dual or multiple citizenships are advised to present both their Philippine and foreign passports in order to avoid paying the Emigration Certificate Clearance (ECC) fee. This is also to ensure that all arrival and departure records are reflected completely on both passports. Those who had only presented only a foreign passport at the time of their admission into the Philippines may be cleared for departure without need of surrendering a certificate, permit or proof of payment of imposable immigration fees, provided they present, at the time of departure, a genuine and valid Philippine passport or an Identification Certificate.

On the foreign passport, the immigration officer shall stamp either of the following, whichever is applicable: “PP” – if a Philippine passport is also presented, or “IC” – if an Identification Certificate is presented.

If the traveler fails to present both his Philippine passport or Identification Certificate, at both arrival and departure, he shall be assessed an Emigration Certificate Clearance (ECC) fee of P710.00 for using a foreign passport upon departure.

So this can be done. But the question now is should it be done. I do not want to take the chance of getting to the airport and running into a customs officer who, for whatever reason, does not want to accept anything that is not a passport.

If at all possible GET A PHILIPPINE PASSPORT for everyone in your traveling party who needs one and do not rely upon a citizenship document to exit the Philippines.

Traveling Cash

When you depart the Philippines for the US (or any foreign country) it will be necessary to have a certain amount of both Philippine currency and currency for your destination country.

There are limits for how much currency you can physically transport out of the Philippines:

Philippine Peso Limit:

A person may bring into (import) or take out of (export) the Philippines, either physically or by electronical transfer, legal tender Philippine currency of an amount not exceeding PHP 50,000 (fifty thousand pesos, Philippine currency) without prior authorization from the Bangko Sentral ng Pilipinas. The monetary forms include legal tender Philippine notes and coins, checks, money order and other bills of exchange drawn in Philippine Pesos against banks operating in the Philippines.

The increase to PHP 50,000 in the allowable amount of Philippine currency brought in or out of the Philippines took effect on 15 September 2016, per Bangko Sentral ng Pilipinas Circular No. 922, series of 2016, dated 23 August 2016, titled “The Amendments of the Rules on Cross-Border Transfer of Local Currency”.

Any excess amount not covered by specific written BSP authorization is subject to confiscation by the Philippine Bureau of Customs.

Foreign Currency Limit:

A person may carry up to the amount of USD 10,000 (or equivalent in any other foreign currency), in cash or other monetary instruments, into and out of the Philippines. Other monetary instruments include travellers’ checks, other checks, drafts, notes, money orders, bonds, deposit certificates, securities, commercial papers, trust certificates, custodial receipts, deposit substitute instruments, trading orders, transaction tickets and confirmation of sale/investment.

If a person wishes to bring more that the equivalent of USD 10,000, a written declaration must be made in the form of the BSP’s “Foreign Currency and Other FX-Denominated Bearer Monetary Instruments Declaration Form” which may be downloaded from http://www.bsp.gov.ph/regulations/regulations.asp?type=1&id=631.
I would count on at least 10,000 PHP in airport fees for every person in the traveling party and as much USD as I would be comfortable carrying without having to declare it.