The Philippine passport isn’t exactly what you’d call a golden ticket – it’s ranked 75th out of 106 on the Henley Passport Index, allowing access to just 67 destinations visa-free. But one Filipina defied all odds (and visa challenges), to pull off what to many is a logistical miracle – by visiting all 195 countries on Earth.
Earlier this month, Kach Umandap, 36, travelled to Sudan, ticking off the last country on her list and becoming the first Filipina to travel the world on a Philippine passport. Her feat was verified by Nomad Mania, a non-profit that serves as a hub for passionate travellers.
“I've always been fond of travelling ever since I was small,” Umandap tells The National, recalling how she'd go on school-sanctioned trips to different parts of the country. “Some trips would require a chaperone, but that was going to be more expensive, so I'd tell my mother that I'd just sit beside the teacher so I could join,” she adds with a chuckle.
While the idea of travelling the world seemed as distant as the destinations themselves, Umandap's inspiration came early. She recalls watching episodes of now-defunct Travel Time, the longest-running travel documentary show in the Philippines, with her lolo or grandfather.
“Lolo was a big fan of host Susan Calo Medina, and I remember thinking I wanted to make him proud by being like her,” Umandap recalls.
Journey to the Middle East
Umandap, whose parents were migrant workers in Kuwait, thought that the only way she could travel the world was to become a diplomat, so she pursued an economics degree with the aim of working for the Department of Foreign Affairs.
After graduating in 2009, she took up an internship at the Philippine Embassy in Kuwait, marking her first international trip. She stayed in the Gulf country for the next four years and travelled to 14 neighbouring countries, including the UAE, Jordan and Georgia.
In 2013, Umandap accepted a job in the Kurdistan region of Iraq. While she didn't stay in the country for long, she was able to save enough money.
“I had 500,000 Philippine pesos [$8,565] in savings, so I went back home, made a down payment for an apartment and decided to travel for a while before looking for another job,” she says, adding she was going through “an existential crisis” at the time.
With a budget of $10 a day, Umandap and her siblings went backpacking, on a multi-country trail across Southeast Asia, where Philippine passport holders are welcome without a visa. They did what's dubbed as the “banana pancake trail”, which includes countries such as Thailand, Laos, Cambodia and Vietnam.
Embracing nomadic life
During her trail of Southeast Asia, Umandap met a British backpacker Jonathan Howe, whom she married and has subsequently divorced. The couple decided to stay for a while in Vietnam, where Umandap taught English. She also learnt more about online work and how she could keep travelling while having a steady source of income.
“I met so many backpackers along the way, mostly Westerners who had been living nomadic lives, and I got really curious about how they were doing it,” she recalls.
The couple travelled to about 70 countries together. In addition to their online jobs, they had many side-hustles to sustain their trips. They became certified yoga instructors, Ayurveda massage therapists and even helped out in bars, restaurants and hotels for free food and accommodation. At one point, they settled in Peru and worked for a hostel in the Andes, surrounded by Inca ruins.
Beyond the financial hurdles, Umandap vividly recalls the challenges of navigating the world with a Philippine passport – particularly when travelling alongside her then-husband, who had the advantage of carrying a British passport.
“I remember when I would travel with him, I'd be held up in immigration counters while he'd quickly pass through,” she says. At the time, her goal was to visit all seven continents, which she achieved in 2016. Two years later, she ticked off 100 countries, all before the age of 30.
Travelling became progressively difficult for Umandap from then on, because the list of visa-free countries for Filipinos was quickly running out. “When I did this, I was like: 'OK, I'm halfway there', but also realised that the remaining countries are the ones where getting visas would be a challenge,” says Umandap.
The UAE connection
Umandap was deeply impacted by her divorce in 2021, describing it as a turning point that left her with almost nothing to her name. Moving back to the Philippines, she also still had more than 70 countries to tick off her list – many of these did not even have embassies in the Philippines, so getting a visa was even more difficult.
Determined to change her fate, she opened two online travel-related businesses – Filipino Passport, through which she offers services to help travellers navigate complex visa application processes, and Travel with Kach, where she personally organises and leads group tours.
To improve her chances of visiting more countries, and after doing some research, Umandap registered a business in the UAE in 2023 and got her residency.
“I had an Excel sheet with all these cities with my target embassies, and most them were in Abu Dhabi,” she says.
“During one of my organised tours in Morocco, I met a fellow Filipino who was working in Ras Al Khaimah at the time, and they helped with setting up the business from there. I was really at my lowest, physically and emotionally, and meeting fellow Filipinos in the UAE really helped me redeem myself.”
During the last stretch of her journey to complete 195 countries, Umandap made the UAE her base, flying from Dubai, Abu Dhabi or Sharjah to Syria and Ethiopia, which became her jumping point to other African nations.
Thrill of travelling solo
Umandap, who is currently based in Palawan in the Philippines, travelled to her 195th country, Sudan, on January 6 this year. She says that while she was with companions for many of her journeys, a huge chunk of her travelling was done alone.
“Because I travel solo, I make sure to do my homework when visiting countries that are not deemed safe for female travellers,” she says, adding she can't recall a particularly bad experience except when she got in a car accident when travelling in Pakistan in 2019.
“My strategy is to book an expensive hotel and befriend the locals who work there. I'd go to coffee shops, restaurants and try to mingle with as many people. I usually tend to find an older female who can be my guide and have my back while I'm in her country.”
Umandap also didn't face rejection in any of her visa applications, even to countries like the US, which is notoriously difficult for Filipinos to get in.
“I get very obsessed when it comes to visa applications. I make sure that there's no reason for the country to reject my application. I didn't apply for a US visa until I'd visited 30 countries, for example,” she says.
Western countries aside, Umandap recalls struggling to obtain visas to countries such as North Korea, where she had to get a rare double-entry Chinese visa to cross the border and back.
A few war zones, countless visa applications and a gruelling divorce later, Umandap says she wouldn’t have done it any other way.
“I’ve learnt so much on this journey,” she says with a smile. Her mission now, Umandap adds, is to empower other Filipinos to travel far and wide.
“Above all, I’ve discovered my own strength and resilience. Growing up as a Filipino, facing the unique challenges of a developing country, has shaped me in ways I never expected – and I think it’s that very resilience that carried me through.”
Asked if there's a country she'd go back to in a heart beat, Umandap picks Montenegro. “It's a very beautiful country, from the mountains to the seas,” she says. “Most of all, they share similar values as Filipinos. Really nice and warm people.”
'Jurassic%20World%20Dominion'
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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
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Real estate tokenisation project
Dubai launched the pilot phase of its real estate tokenisation project last month.
The initiative focuses on converting real estate assets into digital tokens recorded on blockchain technology and helps in streamlining the process of buying, selling and investing, the Dubai Land Department said.
Dubai’s real estate tokenisation market is projected to reach Dh60 billion ($16.33 billion) by 2033, representing 7 per cent of the emirate’s total property transactions, according to the DLD.
Bert van Marwijk factfile
Born: May 19 1952
Place of birth: Deventer, Netherlands
Playing position: Midfielder
Teams managed:
1998-2000 Fortuna Sittard
2000-2004 Feyenoord
2004-2006 Borussia Dortmund
2007-2008 Feyenoord
2008-2012 Netherlands
2013-2014 Hamburg
2015-2017 Saudi Arabia
2018 Australia
Major honours (manager):
2001/02 Uefa Cup, Feyenoord
2007/08 KNVB Cup, Feyenoord
World Cup runner-up, Netherlands
Kalra's feat
- Becomes fifth batsman to score century in U19 final
- Becomes second Indian to score century in U19 final after Unmukt Chand in 2012
- Scored 122 in youth Test on tour of England
- Bought by Delhi Daredevils for base price of two million Indian rupees (Dh115,000) in 2018 IPL auction
TO ALL THE BOYS: ALWAYS AND FOREVER
Directed by: Michael Fimognari
Starring: Lana Condor and Noah Centineo
Two stars
GIANT REVIEW
Starring: Amir El-Masry, Pierce Brosnan
Director: Athale
Rating: 4/5
Palestine and Israel - live updates
BUNDESLIGA FIXTURES
Friday Stuttgart v Cologne (Kick-off 10.30pm UAE)
Saturday RB Leipzig v Hertha Berlin (5.30pm)
Mainz v Borussia Monchengladbach (5.30pm)
Bayern Munich v Eintracht Frankfurt (5.30pm)
Union Berlin v SC Freiburg (5.30pm)
Borussia Dortmund v Schalke (5.30pm)
Sunday Wolfsburg v Arminia (6.30pm)
Werder Bremen v Hoffenheim (9pm)
Bayer Leverkusen v Augsburg (11.30pm)
The language of diplomacy in 1853
Treaty of Peace in Perpetuity Agreed Upon by the Chiefs of the Arabian Coast on Behalf of Themselves, Their Heirs and Successors Under the Mediation of the Resident of the Persian Gulf, 1853
(This treaty gave the region the name “Trucial States”.)
We, whose seals are hereunto affixed, Sheikh Sultan bin Suggar, Chief of Rassool-Kheimah, Sheikh Saeed bin Tahnoon, Chief of Aboo Dhebbee, Sheikh Saeed bin Buyte, Chief of Debay, Sheikh Hamid bin Rashed, Chief of Ejman, Sheikh Abdoola bin Rashed, Chief of Umm-ool-Keiweyn, having experienced for a series of years the benefits and advantages resulting from a maritime truce contracted amongst ourselves under the mediation of the Resident in the Persian Gulf and renewed from time to time up to the present period, and being fully impressed, therefore, with a sense of evil consequence formerly arising, from the prosecution of our feuds at sea, whereby our subjects and dependants were prevented from carrying on the pearl fishery in security, and were exposed to interruption and molestation when passing on their lawful occasions, accordingly, we, as aforesaid have determined, for ourselves, our heirs and successors, to conclude together a lasting and inviolable peace from this time forth in perpetuity.
Taken from Britain and Saudi Arabia, 1925-1939: the Imperial Oasis, by Clive Leatherdale
RESULTS
5pm: Sheikh Mansour bin Zayed Al Nahyan Racing Festival Purebred Arabian Cup Conditions (PA) Dh 200,000 (Turf) 1,600m
Winner: Hameem, Adrie de Vries (jockey), Abdallah Al Hammadi (trainer)
5.30pm: Sheikha Fatima bint Mubarak Cup Conditions (PA) Dh 200,000 (T) 1,600m
Winner: Winked, Connor Beasley, Abdallah Al Hammadi
6pm: Sheikh Sultan bin Zayed Al Nahyan National Day Cup Listed (TB) Dh 380,000 (T) 1,600m
Winner: Boerhan, Ryan Curatolo, Nicholas Bachalard
6.30pm: Sheikh Sultan bin Zayed Al Nahyan National Day Group 3 (PA) Dh 500,000 (T) 1,600m
Winner: AF Alwajel, Tadhg O’Shea, Ernst Oertel
7pm: Sheikh Sultan bin Zayed Al Nahyan National Day Jewel Crown Group 1 (PA) Dh 5,000,000 (T) 2,200m
Winner: Messi, Pat Dobbs, Timo Keersmaekers
7.30pm: Sheikh Mansour bin Zayed Al Nahyan Racing Festival Handicap (PA) Dh 150,000 (T) 1,400m
Winner: Harrab, Ryan Curatolo, Jean de Roualle
8pm: Wathba Stallions Cup Handicap (PA) Dh 100,000 (T) 1,400m
Winner: AF Alareeq, Connor Beasley, Ahmed Al Mehairbi
Singham Again
Director: Rohit Shetty
Stars: Ajay Devgn, Kareena Kapoor Khan, Ranveer Singh, Akshay Kumar, Tiger Shroff, Deepika Padukone
Rating: 3/5
IF YOU GO
The flights
FlyDubai flies direct from Dubai to Skopje in five hours from Dh1,314 return including taxes. Hourly buses from Skopje to Ohrid take three hours.
The tours
English-speaking guided tours of Ohrid town and the surrounding area are organised by Cultura 365; these cost €90 (Dh386) for a one-day trip including driver and guide and €100 a day (Dh429) for two people.
The hotels
Villa St Sofija in the old town of Ohrid, twin room from $54 (Dh198) a night.
St Naum Monastery, on the lake 30km south of Ohrid town, has updated its pilgrims' quarters into a modern 3-star hotel, with rooms overlooking the monastery courtyard and lake. Double room from $60 (Dh 220) a night.
Auron Mein Kahan Dum Tha
Starring: Ajay Devgn, Tabu, Shantanu Maheshwari, Jimmy Shergill, Saiee Manjrekar
Director: Neeraj Pandey
Rating: 2.5/5
Ordinary Virtues: Moral Order in a Divided World by Michael Ignatieff
Harvard University Press
KILLING OF QASSEM SULEIMANI
Australia tour of Pakistan
March 4-8: First Test, Rawalpindi
March 12-16: Second Test, Karachi
March 21-25: Third Test, Lahore
March 29: First ODI, Rawalpindi
March 31: Second ODI, Rawalpindi
April 2: Third ODI, Rawalpindi
April 5: T20I, Rawalpindi
Company%20profile
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Results
5pm: Wadi Nagab – Maiden (PA) Dh80,000 (Turf) 1,200m; Winner: Al Falaq, Antonio Fresu (jockey), Ahmed Al Shemaili (trainer)
5.30pm: Wadi Sidr – Handicap (PA) Dh80,000 (T) 1,200m; Winner: AF Majalis, Tadhg O’Shea, Ernst Oertel
6pm: Wathba Stallions Cup – Handicap (PA) Dh70,000 (T) 2,200m; Winner: AF Fakhama, Fernando Jara, Mohamed Daggash
6.30pm: Wadi Shees – Handicap (PA) Dh80,000 (T) 2,200m; Winner: Mutaqadim, Antonio Fresu, Ibrahim Al Hadhrami
7pm: Arabian Triple Crown Round-1 – Listed (PA) Dh230,000 (T) 1,600m; Winner: Bahar Muscat, Antonio Fresu, Ibrahim Al Hadhrami
7.30pm: Wadi Tayyibah – Maiden (TB) Dh80,000 (T) 1,600m; Winner: Poster Paint, Patrick Cosgrave, Bhupat Seemar