If you have decided to stay here permanently in the ph I would say yes to getting the 13 a visa. Benefits are not going to the bi every two months and paying and also wasting hours of you day falling inline! You only need to go to the bi once a year when you have it to do your annual report in the first 60 days and pay p310.
This visa can be got at bi in Cebu or Manila. Annual reports can be done in any bi office but keep the receipts as they will ask.
Only the card needs to be renewed every five years at $50


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