The only time I suffered any personal insults in the Philippines was 1990/91 when the US was leaving. We use to swim at the open air swimming pools around Angeles City and was told a few times to
Joe by drunk pinoys who were spoiling for a fight. Apart from that its just been the normal higher prices for foreigner situation.

On the dark skin topic, my wife is quite dark and they call my father in law the native.She won`t sit in the sun and was always using whitening soap.yet I love her skin colour.
When my wife was giving birth to our first son we was surrounded in the maternity room with a black midwife, a middle eastern doctor and 2 nurses, 1 black and 1 white.When our baby was borne before my wife saw it she said to me `Its not black is it`loud enough for everyone to hear. Well you could have heard a pin drop, and I tried to explain what she meant but I`m not sure they believed me