The Emigrant's Handbook
Part 16: Links and Worksheets
Part 16: Link Register
Chapter 0: A Fast Timeline for Your Emigration
This chapter does not name an external reference link.
Chapter 1: Decision and Reality Check
- ChatGPT Plus – Explains the features and price of the subscription mentioned for language and everyday-life support.
Chapter 2: Money, Income, and Financial Structure
- ECB reference rate EUR/PHP – Shows the reference rate between the euro and the Philippine peso for budget and stress tests.
- XE Currency Converter – Helps with quick current exchange-rate comparisons alongside the longer-term reference rate.
- BSP Foreign Exchange Regulations – Collects Philippine rules on foreign exchange, cash, and cross-border money movements.
- Philippine Bureau of Customs: Foreign Currency – Explains customs requirements for cash and other currencies when entering or leaving the country.
- BSP Republic Act 9194: Covered Transactions – Provides context for reportable or specially reviewed financial transactions in the Philippines.
- German Payment Accounts Act, Section 31: Basic Account – Sets out the legal conditions for a German basic payment account.
- Western Union – Provides a practical example for comparing transfer routes, fees, exchange rates, and payout methods.
- BMAS: Pension adjustment 2026 – Documents the pension adjustment used in the exchange-rate example, effective 1 July 2026.
Chapter 3: Authorities, Taxes, Pension, and Deregistration
- Federal Registration Act, Section 17: Registration and Deregistration – Sets out registration, deregistration, and the applicable deadlines in Germany.
- Federal Registration Act, Section 54: Administrative Fines – Shows which breaches of registration duties are treated as administrative offences.
- Social Code II, Section 7: Eligible Persons – Helps assess when habitual residence becomes relevant for benefit eligibility.
- Social Code I, Section 30: Residence and Habitual Abode – Defines residence and habitual abode in German social law.
- Federal Ministry of Health: Health and Long-term Care Insurance Abroad – Summarises key contact and orientation points for insurance questions during a stay abroad.
- DVKA – Collects guidance on cross-border health and social insurance.
- German Embassy Manila – Provides contact routes and consular information for Germans in the Philippines.
- Honorary Consulate Cebu – Shows the remit and contact details of the honorary consulate for consular emergencies and practical matters in Cebu.
- German Pension Insurance: Online Services – Leads to digital services for pension records, applications, and supporting documents.
- AusweisApp: Download – Provides the download and preparation tools for using Germany's online identity function before departure.
- German Pension Insurance: Pension and Living Abroad – Explains pension payments, evidence, and special considerations when living abroad.
- Pension Service: Proof-of-life Certificate – Explains the process and return of the regularly required proof-of-life certificate.
- Federal Returning Officer: Germans Abroad – Explains applications, conditions, and deadlines for voting in German federal elections from abroad.
- Federal Foreign Office: ELEFAND – Leads to the crisis-preparedness register for Germans staying abroad.
Chapter 4: Documents, Digital Security, and Mail
- Federal Foreign Office: Passport Validity – Explains German passport validity and why a passport cannot simply be extended.
- Federal Foreign Office: Passports and Identity Cards – Collects application routes and guidance on German identity documents abroad.
- Federal Foreign Office: Apostille and Legalisation – Explains how German and foreign documents are authenticated for international use.
- Vehicle Registration Regulation, Section 6 – Contains the requirements for registration applications and an authorised recipient.
- AusweisApp: Download and Device Check – Helps test the online identity function, smartphone, and card reader before moving.
Chapter 5: Health and Insurance
- Norbert Fuß: International Health Insurance – The contact named in the chapter for individual guidance on long-term international health insurance.
- Federal Ministry of Health: Insurance Cover Abroad – Provides context on German health-insurance cover during stays or residence abroad.
- Federal Ministry of Health: Health and Long-term Care Insurance Abroad – Lists contact routes and guidance for unresolved health and long-term care insurance questions.
- Republic Act No. 10932: Anti-Hospital Deposit Law – Contains Philippine rules on emergency treatment without an advance deposit demand.
- DVKA: Pensioners Living Abroad – Collects guidance on health insurance for pensioners living outside Germany.
- Federal Ministry of Health: Persons Covered by Long-term Care Insurance – Explains who is covered by German long-term care insurance and why this matters when leaving the country.
- Philippine FDA: Registered Medicines Database – Helps check whether a required medicine is registered in the Philippines.
Chapter 6: Moving, Luggage, and Shipping
- Amazon FBA Export – Explains limits and conditions for international orders and deliveries through Amazon.com.
- Bureau of Customs – Is the starting point for Philippine customs rules, import restrictions, and current notices.
- Bens Balikbayan – A shipping service named in the chapter where transit time, insurance, and exclusions can be checked.
- Happy Box – Another named example for Balikbayan shipping that should be checked again before placing an order.
- LBC Express Germany / Per Brechelt – Provides a third comparison option for collection, transit time, liability, and delivery in the Philippines.
- Consumer Act of the Philippines, RA 7394 – Contains the legal basis for warranties and consumer rights in the Philippines.
- DTI Consumer Education – Explains practical routes for repair, replacement, and refunds.
- Amazon A-to-z Guarantee – Describes buyer protection that may matter for cross-border Amazon orders.
Chapter 7: Arrival and First Accommodation
- Manila International Airport Authority – Helps check terminals, airport notices, and arrival information for Manila.
- Mactan-Cebu International Airport Authority – Helps check terminals, airport notices, and arrival information for Cebu.
- Philippine Embassy Germany: Visa-free Entry – Summarises the conditions and limits of visa-free entry from Germany.
- eTravel: FAQ – Answers common questions about the electronic travel and health declaration.
- eTravel: Portal – Leads to the registration that may be required before entering or leaving the country.
- AirAsia – Supports checks of real routes, baggage rules, and onward-travel options.
- Cebu Pacific – Supports checks of actual domestic and regional flights and their baggage rules.
- Philippine Airlines – Supports comparisons of long-haul, regional, and domestic connections.
- NTC: SIM Registration Act – Explains the legal framework for registering Philippine SIM cards.
- NTC: SIM Registration FAQ – Answers practical questions about documents, the process, and registration problems.
- Apple Account: Change Country or Region – Explains the conditions and consequences of changing the country in an Apple Account.
- Google Play: Change Country – Explains the conditions, waiting periods, and consequences of changing the Google Play country.
Chapter 8: The First 90 Days in the Philippines
- Manila International Airport Authority – Helps prepare the first arrival in Manila using terminal and airport information.
- Mactan-Cebu International Airport Authority – Helps prepare the first arrival in Cebu using terminal and airport information.
- Grab Philippines: Download – Leads to the transport app recommended in the chapter for the first reliable ride to the accommodation.
- GCash – Shows the features of and access to the widely used Philippine payment app.
- foodpanda Philippines – Is a practical example of food and grocery delivery during the first settling-in period.
- Bureau of the Treasury: Escheat Proceedings – Explains the process involving bank balances that remain unclaimed for a long period.
- BTr Citizen’s Charter: Reactivation of Unclaimed Accounts – Describes contacts and steps for reactivating unclaimed account balances.
- Treasury Circular No. 01-2010 – Contains procedural rules for reactivating unclaimed balances.
Chapter 9: Visas, Residence, and Local Authorities
- Bureau of Immigration – Is the starting point for current residence routes, forms, deadlines, and office locations.
- Bureau of Immigration: Temporary Visitor 9A Visa Waiver – Explains the conditions and process for extending a temporary visitor stay.
- Philippine Embassy Germany: Visa-free Entry – Summarises entry conditions that need to be checked before departure.
- Home 901 Travel, Visa & Immigration Services – The contact named in the chapter for practical help with SRRV and visa procedures.
- Philippine Retirement Authority: SRRV – Explains the variants and requirements of the Special Resident Retiree’s Visa.
- Bureau of Immigration: 13A Marriage Visa – Describes the requirements and documents for an immigrant visa based on marriage.
- Bureau of Immigration: Visa Overview – Collects the various residence and visa categories for an initial comparison.
- German Embassy Manila: Family Matters and Marriage – Collects guidance on marriage, civil status, and the German documents required.
- PSA: CENOMAR – Explains the certificate showing that no marriage is registered.
- PSA: Requesting Civil Registry Documents – Shows how to request Philippine birth, marriage, and other civil-registry documents.
Chapter 10: Work, Income, and Business
- Bureau of Immigration: Pre-arranged Employment Visa 9G – Describes the residence route for pre-arranged employment in the Philippines.
- DOLE Department Order 248-25 – Contains the rules governing the employment of foreign nationals in the Philippines.
- Philippine Information Agency: DOLE Order 248 and AEP Practice – Provides context on implementing the new rules and work-permit practice.
- LinkedIn – Supports searches for real job profiles, employers, and international contacts.
- X / Twitter – Can be used for current industry contacts and monitoring local employers.
- Multilingual Philippines Official – A Facebook group named in the chapter for multilingual job opportunities in the Philippines.
- Multilingual/Bilingual Jobs PH – Another named group for bilingual and multilingual jobs.
- Bilingual Jobs PH – An additional search channel for roles that explicitly require foreign-language skills.
- Bilingual/Multilingual Jobs in PH – A named community for cross-checking vacancies and employers.
- Bilingual Careers In The Philippines – Another chapter-listed starting point for finding bilingual careers.
- Multilingual Philippines – A community for multilingual applicants and matching employers.
- Multilingual Careers Philippines – An additional channel for monitoring multilingual career opportunities.
- Bilingual and Multilingual Professionals in the PH – A named group for professional contacts among bilingual and multilingual specialists.
- Bilingual Jobs in the Philippines – Another search channel whose listings need to be checked individually before applying.
- Zeitverschiebung.org – Helps calculate daily overlap between the destination country, clients, team, and family.
- Philippine Board of Investments: Business Permit Guide – Outlines the steps and bodies involved in setting up a business.
Chapter 11: Everyday Life, Culture, and Common Traps
- 1987 Philippine Constitution, Article XII – Contains the foundations for ownership, land, and economic restrictions affecting foreigners.
Chapter 12: Family, Children, Pets, and Special Cases
- DepEd Order No. 001 s. 2022: Homeschooling Program – Contains the framework for regulated homeschooling in the Philippines.
- DepEd: Homeschooling as an Alternative Delivery Mode – Provides context on implementing and regulating the homeschooling programme.
- Bureau of Animal Industry: Pet Import Philippines – Collects requirements and steps for importing pets into the Philippines.
- USDA APHIS: Pet Travel Export – Uses the US process to show which export documents may be required for international pet travel.
- IATA: Traveler’s Pet Corner – Explains basic processes and requirements for transporting pets by air.
- European Commission: Bringing a Pet into the EU from a Non-EU Country – Explains return-entry requirements for dogs, cats, and ferrets entering the European Union.
- European Commission: Country List for the Rabies Antibody Test – Helps determine whether a rabies antibody test is required before returning to the EU.
- LTO: Foreign Driving Licence – Documents guidance on using a foreign driving licence in the Philippines.
Chapter 13: Safety, Emergencies, and Disaster Preparedness
- NDRRMC / Office of Civil Defense – Collects information on disaster preparedness, alerts, and national crisis coordination.
- PAGASA – Provides weather forecasts and warnings for typhoons, heavy rain, and dangerous sea conditions.
- PHIVOLCS – Provides information and warnings on earthquakes, volcanoes, and tsunamis.
Chapter 14: Living Well for the Long Term
This chapter does not name an external reference link.
Chapter 15: And What If It Does Fail? Returning to Germany
- German Embassy Manila – Provides contact routes for consular assistance and preparing a return from the Philippines.
- Honorary Consulate Cebu – Is an accessible consular contact in Cebu for return and emergency matters.
- Bureau of Immigration – Helps check unresolved residence issues, exit requirements, and responsible offices before departure.
Change Log
- : Built the link register from Chapters 0 to 15, reconciled it with the central link directory, and verified both language versions.
Downloads
Appendix: Worksheets
Chapter 1 · One-page worksheet
Reality Check and Moving-Away/Moving-Towards
| Checkpoint | My note | Risk / cost | Next decision |
|---|---|---|---|
| Example: Trial stay | Three weeks in Cebu as an everyday-life test, not a hotel holiday. | Assess traffic, heat, and internet away from the beach. | Plan a second stay during the rainy season. |
| Trial stays and different seasons | |||
| Everyday life rather than holiday: housing, shopping, travel, authorities | |||
| Climate, noise, heat, patience, and health | |||
| Language, communication, and my willingness to learn | |||
| Real monthly costs and available reserve | |||
| Strongest moving-away frustration | |||
| Sustainable moving-towards goal | |||
| Region, city, neighbourhood, and infrastructure | |||
| My contribution and respectful place in the destination country | |||
| Plan B triggers and limit for costly lessons | |||
| People who will challenge my decision honestly | |||
| Decision: keep testing, postpone, or stop |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 2 · One-page worksheet
Financial Structure and Saving Phase
| Area | My figure / decision | Next action |
|---|---|---|
| Example: Escape fund | EUR 5,000 kept separate from everyday money. | Test card and transfer-service access from abroad. |
| Income model until retirement | ||
| Realistic monthly budget | ||
| Start-up budget for the first six months | ||
| Emergency reserve | ||
| Escape fund | ||
| Return reserve | ||
| Two independent payment routes | ||
| Exchange-rate test at 10 to 15 per cent | ||
| Investments, crypto, and tax review | ||
| Savings target and target date | ||
| Subscriptions, contracts, and insurance | ||
| Sales list and income levers |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 3 · One-page worksheet
Deregistration, Contracts, and Tax/Pension File
| Topic | Status / detail | Evidence / next action |
|---|---|---|
| Example: Deregistration certificate | Appointment two weeks before moving out. | Keep the original and a scan in the deregistration file. |
| Residence deregistration and certificate | ||
| Health and long-term care insurance | ||
| Contract list from 24 months of account statements | ||
| Notice periods and confirmations | ||
| Tax status, residence, and habitual abode | ||
| Income: pension, rent, investments, and company | ||
| Double taxation and departure advice | ||
| Pension payment and bank details | ||
| Life certificate and annual deadlines | ||
| ELEFAND, embassy, and honorary consulate | ||
| Voting documents and postal transit times | ||
| Responsible person, originals, and digital copies |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 4 · One-page worksheet
Document, Powers of Attorney, and Access List
| Item | Where is it? | Checked / alternative route |
|---|---|---|
| Example: Passport | Original in hand luggage, encrypted scan. | Validity to 2030 and replacement route checked. |
| Passport and validity | ||
| Birth, marriage, divorce, or death certificates | ||
| Apostille, legalisation, and translation | ||
| Visa, employment, or school evidence | ||
| Originals, scans, and copies with a trusted person | ||
| Postal, banking, and healthcare powers of attorney | ||
| Postal service or reliable delivery address | ||
| Password manager | ||
| Two-factor authentication and backup codes | ||
| Home-country SIM and replacement device | ||
| Digital legacy | ||
| Emergency test without the main phone |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 5 · One-page worksheet
Insurance and Health Plan
| Area | My detail | Confirmed in writing / next action |
|---|---|---|
| Example: Direct billing | Hospital confirmed with the insurer in advance. | Print the emergency number and test the payment route. |
| Insurance type and geographic cover | ||
| Inpatient and outpatient benefits | ||
| Pre-existing conditions and exclusions | ||
| Direct billing or reimbursement | ||
| Excess and maximum benefit | ||
| Repatriation | ||
| Home-country insurance, preserved entitlement, and long-term care planning | ||
| Mental health: weekly routine, network, warning signs, and support | ||
| Medicines and active ingredients | ||
| English medical reports and prescriptions | ||
| Local hospital, doctor, pharmacy, and transport | ||
| Emergency cash and independent payment route |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 6 · One-page worksheet
Take, Sell, or Buy Locally
| Item / area | Decision | Reason / next action |
|---|---|---|
| Example: Original documents | Hand luggage, not a shipping box. | Keep a separate encrypted scan as well. |
| Documents in hand luggage | ||
| Keepsakes | ||
| Genuinely necessary specialist items | ||
| Buy locally | ||
| Sell | ||
| Give away or dispose of | ||
| Box, luggage shipment, or freight company | ||
| Do not ship: medicines, cards, and data media | ||
| Electronics: voltage, plugs, and climate | ||
| Warranty, service centre, and local repair | ||
| Data backup before departure | ||
| Arrival needs for the first 14 days |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 7 · One-page worksheet
Arrival Plan and Temporary Accommodation
| Item | My detail | Final check |
|---|---|---|
| Example: Onward-travel evidence | Ticket to Singapore saved offline. | Check again 72 hours before departure. |
| Passport validity and entry status | ||
| Onward or return ticket | ||
| Digital entry forms | ||
| Insurance evidence | ||
| Address and contact for first accommodation | ||
| Terminal, connection, and airport transfer | ||
| eSIM for landing | ||
| Local SIM and registration | ||
| Home-country number for two-factor access | ||
| VPN and app-store strategy | ||
| Flexible accommodation and location comparison: transport, internet, water, noise, safety, shopping, hospital access, service costs | ||
| 14-day and 72-hour pre-departure checks |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 8 · One-page worksheet
Settle In for 90 Days Without the Wrong Commitment
| Period / topic | Observation / result | Decision / next action |
|---|---|---|
| Example: Day 1 | Only a small peso amount and a safe transfer to the accommodation. | Sleep and sign no contracts yet. |
| Airport, cash, and transport | ||
| First night and recovery | ||
| Neighbourhood during the day | ||
| Neighbourhood at night and in rain | ||
| Lease and ancillary costs | ||
| Water, power, generator, and management | ||
| Fixed internet in the building | ||
| Mobile data in the building | ||
| Local account or payment app | ||
| ATM, card, and transfer test | ||
| First-month spending record | ||
| Decision after 30, 60, and 90 days |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 9 · One-page worksheet
Residence Status and Deadline Calendar
| Question / deadline | My detail | Evidence / reminder |
|---|---|---|
| Example: Permitted stay until | 29 July 2026 | Reminders 21, 14, and 7 days beforehand. |
| Entry date | ||
| Permitted stay until | ||
| Latest extension date | ||
| Responsible immigration office or checked agent | ||
| Required documents | ||
| Fee reserve | ||
| Stamps, receipts, and scans | ||
| Foreign-national card and exit clearance | ||
| Long-term option: SRRV, 13A, or another route | ||
| Employment or business permission | ||
| Marriage and civil-status documents | ||
| Overstay-prevention plan |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 10 · One-page worksheet
Income and Failure Test
| Area | Reality check | Next action |
|---|---|---|
| Example: Bad scenario | No new clients for three months. | Check reserve and acquisition plan. |
| Destination-country job file | ||
| Work permit and visa | ||
| Recognition of qualifications | ||
| Real vacancies and salary level | ||
| Remote model with real clients | ||
| Invoices, bookkeeping, and tax | ||
| Payment routes and currency | ||
| Time zones and working rhythm | ||
| Backup internet and power | ||
| Local business: market, ownership, and control | ||
| Normal, bad, and catastrophic month | ||
| Plan B for income failure |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 11 · One-page worksheet
Boundaries, Relationships, and Conflict Rules
| Topic | My boundary / rule | Warning sign / next action |
|---|---|---|
| Example: Family support | Maximum EUR 200 per month. | No immediate transfer under pressure. |
| Monthly support limit | ||
| Payments only after time to think | ||
| No loans or property under pressure | ||
| Shared relationship budget | ||
| Legal review of ownership, land, and leases | ||
| Dating: no money before a real meeting | ||
| Check civil status, debts, and environment | ||
| Children and responsibility in a partner's environment | ||
| Resolve conflict privately and calmly | ||
| Preserve face | ||
| No public posts during conflict | ||
| Red line for permanent emergencies |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 12 · One-page worksheet
Special-Case and Family File
| Area | What must be clarified? | Evidence / next action |
|---|---|---|
| Example: Child and school | Check international school and return route. | Collect reports, costs, and qualification route. |
| Passport, certificates, and custody for each child | ||
| School options in the destination country | ||
| Recognition and qualification route | ||
| Language, friends, and integration | ||
| Pet: microchip and vaccinations | ||
| Pet: import permit, airline, return route to the EU, and emergency care | ||
| Driving licence and local rules | ||
| Vehicle, insurance, and workshop | ||
| Care needs, disability, or chronic illness | ||
| Daily support and emergency help | ||
| Pregnancy, birth, and child documents | ||
| Extra reserve and emergency contact |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 13 · One-page worksheet
Emergency, Supplies, and Outage Plan
| Area | My detail / supply | Checked / next action |
|---|---|---|
| Example: Drinking water | Seven-day reserve for everyone. | Check containers and refill source. |
| Suitable hospital and emergency department | ||
| Night transport, risky areas, times, travel routes, and local rules | ||
| Insurance and emergency number | ||
| Emergency contacts locally and in the home country | ||
| Medicines, allergies, and diagnoses | ||
| Water for 72 hours, 7 days, and 14 days | ||
| Long-life food | ||
| Light, power banks, and backup power | ||
| Digital emergency test without the main phone: email, banking, 2FA, cloud, and documents | ||
| Cash and document copies | ||
| Housing risks, safe escape routes, and local meeting points | ||
| Alternative location and meeting point |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 14 · One-page worksheet
Annual Maintenance, Pension, and Advance Planning
| Area | Checked on / status | Result / next action |
|---|---|---|
| Example: Life certificate | Completed in July 2026. | Keep a scan in the pension folder. |
| Passport and documents | ||
| Visa and residence status | ||
| Health and long-term care insurance | ||
| Banking, cards, and two-factor access | ||
| Tax status and pension | ||
| Medicines and doctors | ||
| Savings, emergency reserve, and current return plan | ||
| Location, network, and everyday life | ||
| Life certificate and pension correspondence | ||
| Power of attorney and advance healthcare directive | ||
| Will and digital legacy | ||
| Honest conclusion: Does this country still fit? |
My core decision:
Checked on: ____________________Next review: ____________________
Chapter 15 · One-page worksheet
Plan B Return File
| Area | My detail / status | Next action |
|---|---|---|
| Example: Return traffic light | Amber, reserve will last another five months. | Contact health insurer and landing address this week. |
| Return traffic light: adapt locally, change location, or return to Germany | ||
| Warning signs: money, health, relationship, residence, and homesickness | ||
| 12-, 6-, and 3-month timeline | ||
| Return flight, luggage, exit, and overstay costs | ||
| 90-day reserve, deposit, basic equipment, and start-up costs | ||
| Accommodation, landing address, and landlord confirmation | ||
| Health insurer, statutory/private cover, and overseas insurance | ||
| Work, employment agency, job centre, and CV | ||
| Tax file and return tax review | ||
| Banking, German SIM, two-factor access, and postal address | ||
| Contact list for overseas help, return advice, and destination | ||
| First 7, 30, and 90 days after arrival |
My core decision:
Checked on: ____________________Next review: ____________________
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