Living in the Philippines – Best "Passive" Businesses to Start

For those OFW’s and foreigners wishing to start a business, but not wishing to involve themselves with the stress of a business involving day-to-day operations, employees, landlords, inventory, and so forth, there are several available opportunities for foreigners living in the Philippines. Buy fixer upper properties, improve them, then rent or sell them.

1. Buy Fixer Upper Properties, Improve Them, Then Rent or Sell Them. This is a great business for those of you who have experience in your home country in buying, fixing up and renting or selling properties. Over the past 10 years, a lot of people got involved in this kind of business in their homeland.

With the overall economic problems in the world the past couple of years, the Philippines has not been immune, and there are a lot of properties in a state of disrepair, as well as lot of distressed and foreclosed properties.

2. Build An Apartelle. An Apartelle is an apartment building where all but one of the units are rented out long term, and you are left to operate on a nightly or weekly basis, like a hotel – hence the combined name of apartelle. These are common in the Philippines.

This business will require a heavier capital investment, yet with the right property and by focusing in the more rural areas or smaller cities, you can construct a small 4 unit apartment building for Peso 3,000,000 – not counting cost of the land.

You would want to rent out 3 units on a long term rental basis, and keep one for short term rentals – for the many traveling salesmen that frequent the countryside. They like booking into such short term apartelle units rather than the much more expensive hotels in the area.

3. Condotels. I have not given this business my “thumbs up” in all instances. Condotels have been heavily touted and promoted the past several years and there have been many, many new condominiums built in Manila, and now even in Cebu and starting in Davao.

The problem is that although the developers offer great down payment terms (usually around 30% down financed over 3 years) and in some cases carry back the mortgage and finance for perhaps 10 years, the interest rates are incredibly high, and the split of rentals with the management team runs around 50%/50%. There is also always a nominal monthly maintenance fee.

What looks like “cheap” entry point and cash flow out each month, in many cases simply becomes a bet on long term property appreciation – finding someone willing to pay you more for it than you paid for it.

This is because with all the inventory on hand, there is a surplus of condos which have been into hotel type rental pools, but not enough visitors to rent them all.

Consequently, what an investor thought would be a good positive cash cow, turns out to be a continuous negative cash flow – not what a new retiree to the Philippines is looking for to supplement his pension or annuity! This type investment will only drain you pension.

However, having written all this, I HAVE FOUND the past several month two exceptional condotel investments which DO meet my criteria of creating good ongoing rental income.

4. Farming. The likely cessation of the Agrarian Land Reform Program (CARP) will give the rural sector renewed confidence to invest in agricultural production capacity. CARP has held back investment in both production capacity as well as farm acquisition. An end to CARP will mean higher land prices since land will be valued for its higher income producing potential.

However, higher land prices are simply a “serendipity”, an added value, to the type of farming business I am writing about. I have found an extremely unique business opportunity, which will generate a great ROI (return on investment) and is completely passive. It has been structured by the developers (all foreigners) to be a one turnkey investment price. The price includes cost of the land, plus all

Clearing, planting, cultivation and harvesting for the first 5 years.

The business has been priced to fit the capital investment budget of the average foreigner retiree, and all landowners will be members of a cooperative which will share the farming equipment (tractors, equipment shed, and others). The farm will be “farmed” by the developer’s management team

The hottest trend now is in organic farming, and yet it is only in its infancy stage in the Philippines. There is one export product in particular which has caught my attention – the pili nut. The Philippines is the ONLY country with which produces and processes this nut in commercial quantity.

The current status of the pili is equivalent to that of the macadamia some 30 years ago. It has huge potential to develop into a major industry. They are in demand not only in Hong Kong and Taiwan but also in Singapore, Korea and Austria.

Simple Rules For Personal Health and Hygiene

Have you been following a plan for your own personal hygiene, or do you get up in the morning, take a bath, brush and blow dry your hair, use the bathroom through the day, and go to bed at night? If you only do the latter, you need to put more planning and preparation into your personal care and grooming.

Cleanliness is seen nowadays as next to Godliness, and neglect of your own personal hygiene may cause health and social problems of which you are not even aware. Bad breath, for example, is a common problem–the perpetrator is often accused of it, but he or she may not be attending to it. Problems such as dandruff are forgivable, but good looks are usually the result of great care and attention paid to personal grooming. You should put some time and effort into it if you want to feel and look your best every day.

All external parts of the body need time and attention. Below is a partial list of the body parts which you should be taking care of with your grooming plan. Here are some tips as to how to attend to your most common and ordinary daily grooming needs.


First of all, keep your hair at a length and style which you can properly maintain in a cleanly manner at all times. Wash your crowning glory at least twice per week, using a mild shampoo devoid of borax or alkalis. It is not a good idea to use soap, as it can leave a fine film of stickiness in your hair. Shampoo is meant to wash totally out of your hair. Be sure and carefully towel dry your hair after you wash it, and be cautious with the blow dryer. You don’t want your hair to become too dry and brittle. Especially if you have long or thick hair, brush it three to four times per day, using a soft bristled brush or wide toothed comb. Be sure to wash your hair grooming tools every time you wash your hair. And oil your scalp with grooming oil once per week, preferably one hour before you wash it. A hot oil treatment is fine–if you know exactly what you are doing.

Hair coloring or dye is not recommended, as no current dyes have been found to be completely safe for long term use. They contain chemicals which can seep into your scalp and even cause premature hair loss. So we recommend not using hair dye if possible. Also, try not to wear a hat for a very long period of time. Wearing hats has also been shown to cause premature hair loss. Redheads need to be particularly concerned, as they are subject to early hair loss.


A good bath once or twice per day is essential for cleanliness and good grooming. You should always bathe after any strenuous physical activity. Mild soaps are best, and you don’t need to use a germicidal or antiseptic soap unless you have a medical or “smelliness” problem. Bath brushes, bath sponges, and mildly abrasive scrubbers are recommended. You must also pay special attention to your genitals and anal area, as lack of care paid to these can lead to serious infections–as well as an inadequate sex life. Rinse yourself thoroughly after washing, and be sure to use a dry and clean towel to properly dry yourself. Don’t ever share towels, try not to share bathing equipment, and wash all of your equipment after each bath. Putting a teaspoonful of bleach in one gallon of warm water, rinse your bathing equipment in the water, and then under warm running water. And always change into completely clean underwear after each bath.

It’s good to use a fine organic moisturizing oil or cream every day, especially as you get older. Put it on at night to avoid that sticky feeling, and so as to not attract dust and filmy dirt throughout the day.


Brush your teeth two to three times every day, or after meals or snacks as needed. It’s important especially to brush right before bedtime. Pay attention to getting rid of the food particles stuck between your teeth. Flossing is highly recommended over toothpicks for this. You only need about a pea sized dab of toothpaste on your toothbrush. When brushing, brush down on the upper teeth and brush up on the lower teeth, using a circular motion. Also, brush the inner as well as the outer surface of your teeth, and before you brush each time, carefully brush your tongue.

Your toothbrush should never be shared with anyone. It should have resilient bristles, and it should be well rinsed and left somewhere completely sanitary to dry after each usage. Try to use organic toothpaste, one that’s completely safe and free of harsh abrasives or strong antiseptics. Baking soda has been found to be a very effective substitute for toothpaste, if you don’t mind its strong flavor.


You should always be washing your hands. There’s no such thing as too often. Use a good hand cream if they become dry. Pay attention to your fingernails when you wash your hands. A good nail brush placed near your bathroom sink is a sound investment. Use soap every time you wash, and always wash before and after meals–and after you go to the bathroom. Many infections such as E. coli are caused every day by people who don’t wash their hands after going to the bathroom. You should also keep washing your hands while preparing meals.


Your fingernails completely replace themselves every five to six months. You need to keep them well trimmed, and preferably buffed and polished too. Men can buff their nails and use a nail shining tool instead of polish to give their nails a healthy glow. Women may of course polish their nails with beautiful colors, which can hide the discoloration that comes with age. Clip your nails to the length you want them, but don’t ever trim too close to the skin. If your nails chip easily, consider adding more protein to your diet, as finger and toenails are all made of protein. Eating gelatin can work for this.

Very brittle, highly yellow or discolored nails can be a sign of a serious health problem. Please see your doctor immediately if you have this. Also, do not always keep your nails painted with polish. This can lead to stripping of the natural keratin of the nails. Also, either go out or give yourself a home manicure and a pedicure once every couple of weeks. Be sure and buy a very good manicure kit for this purpose.


Many people take no care whatsoever of their own feet, usually to their detriment. Always keep your toenails clipped, shaping the nails but not cutting too close to the skin. Always give your feet a good scrubbing with a pumice stone or mildly abrasive brush when taking a bath, and before you put on your socks, dry carefully between your toes. Try wearing a clean pair of cotton socks every day; this will pamper your feet and keep them dry and not smelly. Powder your feet after you take a bath. Try not to wear the same pair of shoes every day, and alternate wearing your shoe pairs. And make sure you wear comfortable shoes. Comfort and safety should come before stylishness. High heels can lead to the shortening of important calf muscles.


Your underarms don’t emit an odor until you hit your preteens. That’s when your apocrine glands, which are located under your arms and around your genitals, begin to function, producing a milky, oily type of perspiration. Bacteria then thrive in this sweat, causing the familiar underarm odor.

To control strong odor, you can wash daily with an antibacterial soap such as Lever 2000. You should always wear clean clothes that are free of staining and sweat. Use a deodorant that is also an antiperspirant, which will dry up moisture in the armpits. Cut back on your caffeine intake-it puts your apocrine glands into overdrive. After a bath, dust yourself liberally with a fine talcum powder. Always drink plenty of water, both to flush your system of toxins and to regulate your bowels. This alone may end some problems you may have with “smelliness.”


Getting a “healthy tan” is not considered to be healthy anymore. Now doctors are telling us that you shouldn’t mind your pale skin. Skin cancer, which is often deadly, is not a fair trade for good looks. When sunning, protect your fair skin with an at least SPF 30 sunscreen lotion. Keep your skin oiled and moisturized during the summer, and don’t bother with the “bronze look.”


Around puberty, your hair follicles respond to hormones raging in your body. You can end up with hair around your belly button, on your back, near your breasts and for both women and men, on your upper lip. If it’s especially coarse, show your doctor, as you may have a treatable hormonal imbalance. Some such “peach fuzz” is normal for girls, and if it seems unsightly to you, you can try bleaching or removing it. Nair is known to be a gentle permanent hair remover.

I hope you found these simple rules to be helpful to you. If you follow your own careful grooming and personal care plan, you will feel better, look more attractive, and probably live a longer, happier and more fulfilling life.

Love Motorcycles? Career Ideas for Motorcycle Enthusiasts

While many people think of motorcyclists as those who love to ride as a hobby or only in their spare-time, there are some individuals who are lucky enough to be able to use their motorcycle as part of their job. Just like a moving company has a truck, some people have motorcycles that are essential to their jobs. If you’ve ever considered using your bike as part of your career, here are a few job ideas to get you started!

Racing and Stunt Driving

Obviously, you can use your motorcycle to start a career as a stunt driver or motorcycle racer. This may require a top-of-the-line bike and some hefty health insurance coverage, but can definitely be worthwhile if you’ve got the skills to prove your worth! And if you’re feeling really risky, it may be time to hit road and pull your stunt skills full-time with a daredevil carnival act!

Police Office or Security Guard

If you have a security background or training and enjoy spending time on your bike, certain careers in the security industry may allow you to combine both work and play. As a security guard or police officer, you can help others and patrol grounds while doing it in style! Security guards and police officers oftentimes take advantage of a motorcycle’s mobility to work carnivals, parades, and other large events.

Test Driver

Motorcycle companies will lend out their bikes to test drivers to try out and write reviews for national magazines and online motorcyclist websites. If you’re knowledgeable about motorcycles and enjoy trying out bikes that haven’t even hit the market yet, this may be a great way to combine what you know and love into a fulfilling career!

Motorcycle Courier

While delivering pizzas on a bike may be difficult unless you have really wide saddlebags, there are things that you can deliver and transport on a motorcycle. Motorcycle couriers are individuals who deliver or transport things to and from locations. Time sensitive court documents and paperwork are some items delivered by motorcycle couriers who can navigate through busy cities and traffic better than larger vehicles.

Travel Writer and Photographer

What better way to hit the road than with a quality camera and some portable technology. For those with a traveling spirit and an eye for great landscape shots, motorcyclists who have the time and energy to travel the world may enjoy doing so from the seat of their bike! Travel to exotic and unknown places on your bike, snap some photos and write about the area. Sell your work as freelance or start up your own online blog or website to share your adventures with the world!


If you’re more the hands-on, “behind the scenes” type and enjoy the mechanics of a motorcycle, you could always consider a mechanic job focusing on improving and fixing motorcycles for others. Knowledge of how a bike works is required for this technical kind of position, but can be extremely rewarding and fun for those who like a challenge and don’t mind getting their hands dirty!

Motorcycle Sales

For those of you that love motorcycles and have a knack for selling, a motorcycle salesman may be the ultimate job. An added bonus about this career path is that you’re more likely to be successful if you’re genuinely enthusiastic about the items you are selling. Helping other motorcycle enthusiasts gear up with the right equipment is also another great job for those that can’t get motorcycling off the brain. Biker clothing and apparel is becoming a booming business with the growing number of men and women getting into motorcycling for the first time.

Health and Its Dimensions

The most common theme of most cultures is fitness but there are different concepts of health as a part of their culture. Earlier health was considered as "absence of disease" which is not true. Health is not only the absence of disease it has various aspects. According to the latest definition wellbeing is a state of complete physical, mental and social wellbeing and not merely an absence of disease or infirmity.

Healthiness is a process of continuous adjustment to the changing demands of living and of the changing meanings we give to the life. It helps people live well, work well and enjoy themselves.

New philosophy of health regarding health as a fundamental right, it is an essence of productive life, it is an integral part of development and it is the central to the concept of quality of life and is a world wide social goal.

There are various dimensions of fitness it is not only physical factor corresponding to strength other factor included are mental, social, spiritual, emotional and voluntary.

Physical dimensions implying the notion of perfect functioning of body. Good complexion a clean skin, bright eyes, lustrous hair, firm body, sweet breath, good appetite, sound sleep, regular activity of bowels and bladder, smooth, easy and well coordinating bodily movements.

Mental dimension does not only include absence of mental illness. Good mental health is the ability to respond to various aspects of life of varying experiences with flexibility and a good sense of well understanding.

Social well-being exemplifies harmony and a good relation of an individual with the family members and the society. The interpersonal ties of a person and the involvement with the society are known as social well-being.

Spiritual dimension includes the search of an individual to find himself and to find the ultimate faith. Once a person has attained that ultimate faith it gives him a sense of fulfillment and satisfaction.

Emotional dimension includes the feelings and emotions and if a person is emotionally strong and satisfied he is safe from stress, depression and the person can perform all the roles of his life well.

Vocational dimension includes the work. It is believed that working is good for physical condition and work is sometimes fruitful in maintain both mental and physical condition of a human.