I just transferred my pension via internet banking from my UK a/c to my Philippine bank a/c each month. Also p100,000 per month is more than enough, I only had p50,000 per month and managed to save approx p25,000 per month, had £7000 in my bank in Philippines and never paid any taxes. Negros Oriental is a good area to base yourself with easy access to all destinations. Hope I've answered some of your questions Bikerpat, I'm sure some more members will answer your remaining queries. Good luck with your future plans, and welcome to the forum!