Hello all, I met my wife and eventually married her in Dumaguete city. We now have two children, a boy and a girl and currently live in Florida USA. We have recently visited Dumaguete so that our children could meet more of their family. I have about ten years to go to retirement and a small pension and I want to buy a home or land near Dumaguete. When last there we did Visit Valencia and Dauin areas. What I would like to know are what have been some of the Expat experiances with realtors when buying a home or land. Have they been favorable and what are some things that I will need to know about buying and owning a home in Dumaguete. And because I am curious about starting a business I am also interested to know if anyone has any information on business permits and taxes that a business owner may be responsible for and if they have any comments on business financing with the local banks. I guess I really have a lot of questions and this site seems to be a wonderful resource and I am looking forward to receiving responses from many of you. I remember when looking for info on Dumaguete on the internet the only source was a personal page of one of the earlier Expats, I can see things are really growing there but I know there is still plenty of room for growth, I just hope that it is done smartly and with keeping what is best for the local population and those who can appreaciate what a beautiful place they live in.