I would have to agree with Jlevine completely. I just spent a month in the Philpinnes. Being that it was my first time making arrangements States side is a monumental effort of time and emails. I had a travel agent who arranged my private trasportation and hotels, but I had the call or email the individual dive shops I found online that I felt confident about. It took me about 6 months of research off and on, learning how to get to one location to the next. Just a short picture of my itenarary.
I went from San Francisco to Manila, Manila to Batangas, Batangas to Puerto Gallera, Back to Manila, Flight to Cebu, Cebu to Malapscua, Malapascua to Moalboal, Moalboal to Cebu, Cebu to Bohol. That invloved so many boats, planes, and private cars. If you don't know what you are doing. you will get lost. And I had a friend who I could consult who had been there.
The money issue is a whole problem in itself. I had to bank to bank wire my funds to my agent who was in the Philpinnes, which American banks charge a fee. Then I had to pay the scuba shops when i got there becuase I didn't want to wire each individual shop the money because of the fees. No hotel or dive shops (except Marriott hotel) took credit card online or over the phone. So for the casual tourist Scuba diver, it can be a real ordeal to arrange stay in the philpinnes. But when its done right its well worth it. I loved it there and will cherish the journey.