I just got back from a 2 week vacation in Cebu. I enjoyed the experience of the trip, except for the layovers in Chicago and Korea they were longer than the flight itself. I arranged my trip myself which at the time I thought was a good ideal. My luggage decided it liked Chicago so much it decided to stay a few extra days. I also choose the hotel on the internet, the pictures were a lot different from real life. I enjoyed the staff they were very nice. But I did not enjoy the hotel ( vacation hotel). I meet so many nice people there. It is a country I plan on visiting again. But not the same hotel and this time I would like to spend a little longer.
Another thing I found is that traveler checks are not such a good ideal. The hotel I stayed in did not exchange so I would have to find somewhere that did and pay to exchange them and to convert to pesos. HSBC and Citibank are in Cebu and you can also use your ATM card to withdraw from any bank from your own bank account.