Thinking of retiring in the Philippines? Samar might just be the hidden gem you’re looking for. It offers a laid-back lifestyle, stunning natural beauty, and a low cost of living – all wrapped up in a warm and welcoming culture. This article provides an expat’s guide to navigating life and culture in Samar, demonstrating why it’s a great choice for relocation for retirees who want to experience the Philippines.
Why Choose Samar? Unveiling Its Allure
Samar, often overlooked in favor of more popular destinations like Cebu or Palawan, possesses a unique charm that resonates deeply with expats seeking a slower pace of life. The province is divided into three: Samar (Western Samar), Eastern Samar, and Northern Samar. Each offers a distinct experience, but all share the same essential ingredients: friendly locals, breathtaking landscapes, and an affordable lifestyle. Let’s break down why Samar could be your ideal retirement haven.
The Cost of Living: Stretching Your Retirement Funds
One of the biggest draws of Samar is its incredibly affordable cost of living. Compared to Western countries, or even other parts of the Philippines, your retirement income can stretch significantly further. Housing is remarkably cheap, particularly if you’re willing to live outside the larger towns. Renting a comfortable house can cost as little as PHP 8,000 to PHP 15,000 (roughly $140 to $260 USD) per month, depending on the location and size of the property. Buying land is also quite affordable, offering the opportunity to build your dream retirement home.
Food is another area where you’ll save a substantial amount of money. Fresh produce, seafood, and local dishes are readily available at local markets for a fraction of the price you’d pay elsewhere. Eating out at local eateries (carinderias) is incredibly cheap, with a meal costing around PHP 50 to PHP 100 (less than $2 USD). Even imported goods are becoming increasingly available in larger supermarkets, although they will be more expensive.
Utilities like electricity and water are also relatively cheap, although electricity costs can fluctuate depending on usage and the season. Transportation is also affordable, with jeepneys and tricycles being the primary modes of transport. Jeepney fares usually start at just PHP 10 (less than $0.20 USD).
Embracing the Culture: A Warm Filipino Welcome
Filipinos are known for their hospitality and friendliness, and the people of Samar are no exception. They are incredibly welcoming to foreigners and eager to help in any way they can. Learning a few basic phrases in Waray-Waray, the local language, will go a long way in earning their respect and forging deeper connections, although many Filipinos speak English. Don’t be intimidated to try! Filipinos are usually very patient and appreciative of any effort made to speak their language.
Family is at the heart of Filipino culture, and community is very important. Expect to be invited to family gatherings and local celebrations. These events are a great opportunity to immerse yourself in the local culture and experience the warmth of Filipino hospitality. Be prepared for lots of food, music, and laughter!
Respect for elders is also a cornerstone of Filipino culture. It’s customary to address older people with “Po” and “Opo” (yes). Showing respect and deference to elders is highly valued.
Exploring the Natural Beauty: A Paradise for Nature Lovers
Samar boasts stunning natural beauty, from pristine beaches and lush rainforests to cascading waterfalls and hidden caves. It’s a paradise for nature lovers and outdoor enthusiasts. Eastern Samar, in particular, is known for its surfing spots like Calicoan Island, which attracts surfers from around the world. The province is also home to numerous waterfalls, including Amandes Falls and Guiban Falls.
Western Samar offers a different kind of natural beauty, with its towering limestone cliffs and underground rivers. Sohoton Caves and Natural Bridge Park is a popular destination for exploring the unique geological formations of the region. Northern Samar, meanwhile, is home to pristine beaches and islands, such as Biri Island, known for its unique rock formations.
The province gives retirees the perfect environment if they want to go hiking, swimming, bird watching, or simply relax on the beach. The natural world isn’t overcrowded with tourists around the corners, so you will have a serene experience.
Healthcare in Samar: Accessing Medical Services
While Samar may not have the same level of healthcare infrastructure as larger cities in the Philippines, there are still adequate medical facilities available. Each province has several public and private hospitals, as well as numerous clinics and pharmacies. However, for serious medical conditions, many expats choose to travel to larger cities like Tacloban (Leyte) or Cebu for specialized treatment. Tacloban is easily accessible from most parts of Samar and offers a wider range of medical services.
It’s important to have health insurance that covers medical expenses in the Philippines. PhilHealth, the national health insurance program, is available to foreigners who are legal residents. However, many expats opt for private health insurance to ensure access to a wider range of medical facilities and services.
Rural health units (RHUs) are also available in smaller towns and barangays (villages), providing basic medical care and vaccinations. These are often staffed by doctors, nurses, and midwives who provide essential healthcare services to the local community.
Staying Connected: Internet and Communication
Internet connectivity in Samar has improved significantly in recent years, but it can still be unreliable in some areas. Major towns and cities usually have decent internet speeds, but rural areas may experience slower connections. Both Globe and Smart, the two major telecommunication companies in the Philippines, offer mobile internet services. Many expats rely on mobile data for internet access, using prepaid SIM cards or monthly data plans.
Fixed-line internet services are also available in some areas, but coverage can be limited. It’s best to check with the internet service providers in your area to determine the availability and speed of internet services. Satellite internet is also an option for those living in very remote areas, but it can be more expensive.
Mobile phone coverage is generally good throughout Samar, with both Globe and Smart providing reliable service. SMS (text messaging) is a widely used form of communication in the Philippines, so it’s a good idea to have a local SIM card to stay in touch with family and friends.
Safety and Security: A Peaceful Environment
Samar is generally a safe place to live, with a low crime rate compared to other parts of the Philippines. The people are friendly and welcoming, and there is a strong sense of community. However, it’s always important to take basic safety precautions, such as avoiding walking alone at night in poorly lit areas and being aware of your surroundings. Petty theft can occur, particularly in crowded areas, so it’s important to keep your valuables safe.
The Philippine National Police (PNP) maintains a presence in most towns and cities, providing law enforcement services. It’s also important to be aware of the local customs and laws and to respect them. If you encounter any problems, the local police are usually willing to help.
While Samar has a history of conflicts, the areas are typically localized and the threat to foreign residents are minimal or non-existent. It’s best to stay informed about the current situation in your area and to avoid traveling to areas known to be unstable.
Finding a Place to Live: Options for Expats
There are several options for finding a place to live in Samar, depending on your budget and preferences. Renting a house or apartment is a popular option for expats who are new to the area. You can find rentals through local real estate agents, online websites, or by simply asking around. It’s important to inspect the property carefully before signing a lease and to negotiate the terms of the lease with the landlord.
Buying land and building your own house is another option, particularly if you plan to stay in Samar long-term. Land prices are relatively affordable, and you can build a house to your exact specifications. However, it’s important to do your research and to hire a reputable contractor. You’ll need to obtain the necessary permits and licenses before starting construction.
Guesthouses and hostels are also available, providing short-term accommodation for tourists and visitors. These can be a good option for exploring different parts of their selected retirement province of Samar before deciding where to settle down.
Getting Around: Transportation Options
The primary modes of transportation in Samar are jeepneys, tricycles, and buses. Jeepneys are the most common form of public transportation, operating on fixed routes within towns and cities. Tricycles are motorized rickshaws that are used for short trips, particularly in smaller towns and barangays. Buses connect the major towns and cities in Samar, providing transportation to other parts of the island and to neighboring provinces.
Renting a motorbike is another option for getting around, particularly if you want to explore the countryside. However, it’s important to wear a helmet and to be aware of the local traffic conditions. Driving can be chaotic in some areas, so it’s important to be cautious and to drive defensively.
Taxis are available in some of the larger cities, but they are not as common as jeepneys and tricycles. It’s important to negotiate the fare with the driver before getting in.
Making Friends: Connecting with the Community
Making friends and connecting with the local community is essential for a fulfilling life in Samar. There are several ways to do this, such as joining local clubs and organizations, volunteering your time, or simply striking up conversations with people you meet. Learning the local language will also make it easier to connect with the community.
Attending local events and festivals is a great way to immerse yourself in the culture and meet new people. Filipinos are generally very friendly and welcoming, so don’t be afraid to strike up conversations and introduce yourself. You’ll find that most people are eager to help and to share their culture with you.
Online forums and social media groups for expats in the Philippines can also be a good way to connect with other foreigners and to get advice and support. These groups can provide valuable information about living in the Philippines and can help you to navigate the challenges of expat life.
Things to Do: Enjoying Your Retirement
There are plenty of things to do in Samar to keep you busy during your retirement. From exploring the natural beauty of the island to immersing yourself in the local culture, there’s something for everyone. You can go hiking, swimming, surfing, bird watching, or simply relax on the beach. You can visit local markets, attend festivals, and try new foods. You can volunteer your time, learn a new skill, or start a new hobby. The possibilities are endless.
Eastern Samar is known for its surfing spots, while Western Samar is famous for its caves and underground rivers. Northern Samar, meanwhile, is home to pristine beaches and islands. Whatever your interests, you’re sure to find something to enjoy in Samar.
Visa and Residency: Staying in the Philippines Long-Term
To stay in the Philippines long-term, you’ll need to obtain a visa or residency permit. There are several options available, depending on your circumstances. The most common option for retirees is the Special Resident Retiree’s Visa (SRRV), which allows you to live in the Philippines indefinitely, provided you meet certain requirements.
To obtain an SRRV, you’ll need to deposit a certain amount of money in a Philippine bank. The amount varies depending on your age and pension status. You’ll also need to provide proof of income and undergo a medical examination. The SRRV allows you to live, work, and study in the Philippines.
Other visa options include tourist visas, student visas, and work visas. Tourist visas are valid for up to 59 days and can be extended. Student visas are available to those who are enrolled in a recognized educational institution. Work visas are available to those who have been hired by a Philippine company.
Learn Waray-Waray
Learning a few basic phrases in Waray-Waray can greatly enhance your experience in Samar. Start with greetings like “Maupay nga aga” (Good morning), “Maupay nga hapon” (Good afternoon), and “Maupay nga gab-i” (Good evening). Knowing how to say “Please” (Alayon) and “Thank you” (Salamat) is also very helpful. Simple phrases like “How much?” (Tag pira?) and “Where is…?” (Hain an…?) can make daily interactions much easier. Local people will appreciate your effort to learn their language.
Coping with Unexpected Power Outages
Power outages are a common occurrence in the Philippines, especially in rural areas like Samar. To cope effectively, invest in a reliable generator or a portable power bank to keep essential devices charged. Stock up on flashlights and candles for lighting during outages. It’s also a good idea to have a supply of non-perishable food and water on hand. Make sure your communication devices, like mobile phones, are fully charged before nightfall. Establishing a good relationship with your neighbors can also be very beneficial, as they can offer assistance or information during outages.
Navigating the Rainy Season
Samar experiences a significant rainy season, typically from June to December. During this time, heavy rains can lead to flooding and disruptions in transportation. Invest in a good-quality raincoat and waterproof footwear. Keep an umbrella handy at all times. Check weather forecasts regularly and avoid unnecessary travel during severe weather conditions. Have a supply of food, water, and medications in case you get stranded at home. Strengthen your home against potential flooding by sealing cracks and raising appliances off the floor. Familiarize yourself with local emergency procedures and evacuation routes.
Understanding Local Customs during Fiestas
Fiestas are an integral part of Filipino culture, and Samar is no exception. These celebrations often involve street parades, lively music, traditional dances, and abundant food. If you’re invited to a fiesta, it’s customary to bring a small gift, such as a bottle of wine or a sweet treat. Be prepared for long hours of festivities and a lot of socializing. Dress modestly and respectfully when attending religious ceremonies. It’s also important to be mindful of local customs and traditions, such as showing respect to elders and participating in community activities. Joining in the fun and festivities is a great way to immerse yourself in the local culture and build connections with the community.
Dealing with Stray Animals
Stray animals, particularly dogs and cats, are a common sight in the Philippines. While most of these animals are harmless, it’s important to take precautions to avoid getting bitten or scratched. Avoid feeding stray animals, as this can encourage them to congregate in your area. If you encounter an aggressive animal, try to remain calm and avoid making sudden movements. Report any aggressive animals to local authorities. Consider supporting local animal welfare organizations by donating or volunteering your time. Adopting a stray animal can also be a rewarding experience, but make sure you’re prepared to provide proper care and attention.
FAQ Section
Is Samar a good place for expats to retire?
Yes, Samar offers a relaxed lifestyle, affordable cost of living, and friendly locals, making it an appealing option for expats seeking a peaceful retirement in the Philippines. The natural beauty is amazing but it is not usually crowded especially in the rural areas away. Additionally, living a laid-back life in Samar can encourage the retirees to spend more time on their hobbies or recreational activities.
What is the cost of living in Samar?
The cost of living in Samar is very low compared to Western countries. You can live comfortably on a retirement income of $800 to $1,200 USD per month, covering rent, food, utilities, and transportation. Your money can go far in the province.
What are the internet options in Samar?
Internet connectivity has improved, with major providers like Globe and Smart offering mobile and fixed-line services. However, speeds can be slower in rural areas. Satellite internet is an option for very remote locations.
Is healthcare good in Samar?
While there are hospitals and clinics, for serious medical issues, many expats travel to Tacloban or Cebu for specialized care. Having good health insurance is recommended.
Is it safe to live in Samar?
Samar is generally safe and secure. Normal safety precautions should be observed, and keeping up to date with the local news with regards to safety and security is always recommended.
What is the local language spoken in Samar?
The local language spoken in Samar is Waray-Waray. Learning some basic Waray-Waray phrases will be appreciated by the locals.
References
Philippines Retirement Authority
Department of Tourism – Philippines
Philippine Statistics Authority
Ready to take the plunge and experience the beauty and tranquility of Samar? Don’t just dream about your perfect retirement – make it a reality! Start your research today, connect with expats already living in Samar, and discover how this hidden gem in the Philippines will be your next home. Come and enjoy the serene place that will embrace you!
