What do expats find most challenging?

"English is widely spoken in Cebu. Probably 90% of the people surely understand but some may be shy to speak English (nose bleed it's called) Challenges are: transportation in rainy weather, slow paced lifestyle (for patience challenged), crowded lines, polluted air & lack of trash collection in city, religious customs guiding culture, law & politics (all respect) confronting poverty, pick pockets & beggars. Adjusting yourself to these," wrote a member who made the move to Cebu, Philippines.

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SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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"Very heavy traffic. There's a lit of poverty, which means run down buildings, bad roads, etc. Some things I want to buy are hard to find. Mostly food items. Like I really had to search to find salsa. Strawberries and blueberries are hard to find and expensive when you can find them. Water service here is unreliable, but everyone in my neighborhood has a big water tank so when the water is on, it fills, and when its off, you use what's in the tank. We've never emptied the tank. Electric often has brief power failures, but its always come back in an hour it's two. Have get to have a power failure that lasted more than two hours. Long lines and slow service at government offices and banks -- but service at most other place s is good. There are lots of beggars. I struggle with whether to give them anything. I prefer to give to established charities who hopefully can tell who is really needy. Some exists complain that they are charged a "skin tax" -- prices at informal markets are higher for foreigners. I figure they're still cheap, so so what? one a cab driver overcharged me by 50 pedos. That's $1. I just gave it to him. If he goes home smugly satisfied that he cheated that gullible foreigner out of $1, let him enjoy his victory," explained one expat living in Cebu, Philippines.