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    jpbago

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  2. i am bob

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  4. Jake

    Jake

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Popular Content

Showing content with the highest reputation on 04/15/2017 in all areas

  1. 7 points
    My wife an I have been doing it, on less $1,000, for over 4 years. I budget p40,000 a month, which currently is $800. I was paying rent (p6,000) for the first few years but we built a house last year, out of my savings. Now I pay myself p5,000 in "rent" each month to pay myself back for the house. We cannot make budget recommendations for others, without knowing more about you and your comfort needs... but I know quite a few guys that live on less $1,000 a month. I live on $800, but recommend $1,200.
  2. 4 points
    The nasty extended family of my wife Judy have nearly devastated my marriage on more than one occasion. So I know where you're coming from Steve. Last time I check, marriage is between two people. Anyone outside trying to influence Emma, tell them to bugger off! I strongly recommend that you maintain that British upper lip.....without that, you would be speaking German by now. This or this: Yeah, I thought so......
  3. 4 points
    Family ALWAYS come first with a filipina, even if they hate them.
  4. 4 points
    Steve The world becomes a smaller place everyday and my advice would be to rise above this. Don't let them see they have gotten to you. A smiling face will make them so uncomfortable and uneasy as it won't be what they expect. Just my view. Paul
  5. 4 points
    Steve mate, Just do what your conscience tells you Cos they won't bat an eyelid one way or the other, UNTIL They need something Trust me mate bin there and got a few "T" shirts Like I tell my Daughter Babe I love you I just don't like you at this Time.
  6. 4 points
    Not fully there yet - only a month or 3 about 2-3 times a year, but when I return to the USA I seem to notice how fat all the ppl are. In addition, higher prices and smaller packages.
  7. 4 points
    Yeah, I'm 59 now and have been torn over whether or not to retire now, or soon. Truth is, I have a great job and I'm not really looking at retirement as an escape, I see it more as the next chapter in my life. My wife and I are thinking about keeping a small house in the US and have the main house in the Philippines, sort of keep one foot in each world. I talk about retiring now, but in reality I'm locked into child support until I'm 62, so I might as well just sit it out to that Social Security milestone.
  8. 4 points
    I visited Cebu City after being away two years the changes were amazing numerous new large buildings many more new cars on the roads.
  9. 4 points
    KLet's see... $1000 USD is, on a quick conversion, P50,000 a month... If you have a nest egg / credit card or some other form of emergency fund that you aren't going to touch..? Very doable..! Unless you need the big big house with a big big yard in the middle of an expensive subdivision... Eat imported food for every meal... Live as if you were in your home country... Hmm... Could afford to live in your home country on $1000 a month? Those who say no usually have higher demands on how they live... myself? I'm doing fine on P30-35k a month for myself with a katabung while having her cousins visit on weekends and dating at the same time... And, yes, I have access to more but I don't need it... In fact I'm doing a Visa Run shortly I'm trying to budget into my monthly expenses... Just see if it's doable without lowering my living standards... Yes, I've done a lot of traveling lately but that's for business and comes from a different budget but only the travel and accommodations...
  10. 4 points
    One thing many forget to consider... What if the value of the foreign currency you will retire on drops in value to the piso..? Do you still have enough..?
  11. 4 points
    I retired at 56, married a filipina and had to find another job sharpest! Finally retired again at 66, now I am the oldest houseboy outside the Philippines! Enjoy life while you have got your health and strength, if possible retire early, you never know what the future holds.
  12. 3 points
    What Old55 said. If you want to both snorkel and shallow free-dive, then get a smaller traditional mask and snorkel combo, or even buy them separately, something like below. Check out Lazada for ideas, they've got a nice selection covering all price ranges. Whatever you do, be safe and always have a buddy.
  13. 3 points
    After years of reading about the problems that expats here are having with LTO, immigration, buying a car, house construction, neighbours, relatives, dogs, roosters, airports, hospitals, ATMs, traffic, crime, breathing bad air, buying a restaurant, finding a school, finding good food, buying quality goods, opening a bank account, TV, internet, etc, I do not see life here as simpler.
  14. 3 points
    Steve, the advise to follow your conscience is always good. If I felt someone was walking all over me I would coat myself with glue and apply tacks so they would lose the desire. I wouldn't worry much if someone said to my face what they are already saying about me behind my back. They will always see you as someone who could fix their problem with the wave of a checkbook, they refuse to think of a reason why you shouldn't and just remember that you didn't.
  15. 3 points
    Hmm.....me thinks that Steve will get his ultimate wet dream as he heads out for the nearest tropical beach. It will be a target enriched environment for his new 10K bucks long lens: Up close and personal!
  16. 3 points
    It comes down to persistence. We once used BPI card at BDO as BPI was not functioning, was a Saturday. two times denied P20K, sure enough P40K came out of account... BPI said must complain to BDO and vice versa, eventually I told BPI manager I am going to camp on your desk until something is done, your card your responsibility. Took over a week of daily complaining, eventually funds returned. Now try stick BPI with card. If stuck will not use BDO as heard of similar problems, China bank seems good.
  17. 3 points
    Finishing up career in Okinawa, JP and asawa and I will then move back to PI around Sept '17, but we go back and forth to PI a lot now as I have since 2007, then we married in 2010 week before I headed to A'stan (just in case the worst happened and she'd be taken care of vice waiting any longer). Anyway, I see growth changes every time I go back to PI and as friend told me who moved into an Ayala development in Sta Rosa area in 2008, it's now just like Manila and over grown without supporting infrastructure. Since I worked at Subic at the base "back when" '89-'92, changes there are immense since then, some not for better. Sure more to maybe do and such on the "base", but it's much more run down since then and lots of heap piles and dirtier, etc. It was a mini paradise I think back in the day. As for going back to Seattle, which I do a few times per yr to see older daughter and son mostly, the Amazon and tech growth there has fueled massive growth, But I'm getting priced out of the market there for owning a house there anymore and the price growth there just fuels more price growth further out as more and more people seek the "dream" and are willing to start doing hellish commutes like they do in SoCal. Sure, lots of far cheaper places to live in US, like NC where I grew up, but PacNW beauty and fun is beyond comparison. So, with more diving in future, looking forward to picking a spot in PI to hang my retirement hat and be able live well on what I have and will bring in $ wise in retirement.....Other than getting older at 58, September cannot come soon enough!
  18. 3 points
    Like I said, the changes have been subtle for me and that is why I haven't thought much about it. Being born and raised in southern California I have noticed how cities have sprung up where there were once orange groves and vineyards. I've seen nice simple middle class neighbourhoods become crime infested. I've seen how the once middle class neighbours have moved away from the city to a more suburban life. I've seen where crime has increased where it was once a quiet peaceful community. If one takes a drive up the local mountains, on the way down you will see a blanket of smog that looks like smoke. That's what we do not notice so much but it's there and what we breathe that once was not there. Last but not least, I've noticed many immigrants that have made the states their new home. Some legal some illegal but still many more than when I was going to school. I'm not complaining because I'm sure my ancestors were once immigrants. Both sides of my family have family reunions annually. My mother's ancestors were Scotch-Irish and have a big reunion in Texas every year. On my father's side our reunions are small because we all live pretty much in California and socialize frequently anyway. So, those are some of the subtle changes I have noticed. Good question.
  19. 3 points
    Dave I take your point, it is also very hard to foresee what might happen in the future. There are many Expat's who have had to leave it all behind and return home because "it ain't in the budget" to get sick themselves. Just one of the reason's I've not taken the plunge and moved permanently to Philippines,while we still have a National Health Service in UK.
  20. 3 points
    It was the USA that monitored the 3 fast bancas going from Mindinao to Bohol. And for those that think that the bancas are not fast, then they have not seen a Jackie Chan movie.
  21. 2 points
    After just a few years of being married to my beautiful wife plus the family too i have come to the conclusion that i must say what is on my mind whether this hurts a few people or not, but if i dont say it , it hurts me . So after all this time there has been some ups and downs concerning a few members of my new family, may i just add this that with my own brothers and sisters i tell them the same but we all seem to get on with each other still. Anyway back to the new family, many may know about what i have wrote these past few years and some of the problems that has come our way. I am still not on good talking terms with some members of the family because of what they thought they could do to me and what they have done to my wife, but my wife forgets these things and just moves on, i cant because they treated me as a fool and someone who will be there to bail the family out rather then themselves, and what names they called my wife, then they thought it was good to not speak to her for 8 months, that is why i dont speak to these members. Should i let bygones be bygones and move on and try to stay one step ahead of these folk, i know i may have to do this for the sake of my wife, or do i just ignore the people who have done this. Emma is wanting to go to a family reunion as all the members will be there soon, but i have had nothing to do with these people. It feels so hard having to see these people who have done me wrong but again Emma just smiles and say they are family. I dont want to say lets bury the hatchet , because it might be i my head that it goes.
  22. 2 points
    Dont need that to get that wet dream Jake, i just wear dark sunglasses so the wife cant see me looking at every sexy lady that is there wearing that skimpy swimwear. Remember boys this is only between you and me . The last time i was on a beach was at Matabungkay and i was alone taking pictures and the young ladies that came up to me asking to take there pictures, but by the time i got back to our place somehow the pictures was deleted. Nice lens by the way
  23. 2 points
    As already said here, it makes no difference if you are staying one day or a year. The law is that you must have an onward ticket to somewhere. The airline will be fined if they allow you to board without one and most wont but if that happened and you arrived in the Philippines without an onward ticket the airline that allowed it will have to carry the cost of sending you home and you wont get to stay in the Philippines. It's been the same law since I can remember, well documented and something everyone who has been a member f forums for should know.
  24. 2 points
    From memory that was the plan to rid smoking, bit like the sin tax of the Philippines
  25. 2 points
    Hey James, Roger that Marine! You are a living breathing USMC motto of adapt, improvise and overcome! We have another member, Jon1 who travels back and forth to the "desert". He also did a few tours down in Injun country of southern Mindanao. Good thing you survived and did not come home in a body bag: KBR? Well done Marine! How come you guys have all the fun? Respectfully Jake, master bater
  26. 2 points
    Answers here are a bit muddled. Coming to the Philippines you need either a return ticket or onward ticket to somewhere outside of the Philippines. This onward ticket is often called a throw away ticket as you have no intention of using it, usually a cheap ticket to Malaysia or Hong Kong etc. Regarding visas, you have two choices. 30 day free on entry or get a 59 day in your home country before you depart. If you go the 30 day route you can add 29 days at the airport or before your 30 days run out. after the 59 days you can buy 2 months or 6 months at a time if available up to a maximum of 36 months at which point you must leave the Philippines, even for just one day, then start again.
  27. 2 points
    When I first went to the Philippines just over 20 years ago I saw the buying power of the pound sterling to peso as about 8:1. Now 20 years later about 3:1. Ten years time we could all be moving to the UK for the lower cost of living.
  28. 2 points
    Good topic and replies, many things change in Australia, the cost of living keeps rising, the cities grow, you notice these things when one is in and out of the country for months at a time, away for years. Our retirement,,,,,,,,,my, lol. Our retirement choice is the Philippines and it is absolutely no different. Property prices in all countries rise, cost of living rises etc. Living in Manila several years ago was an absolute bit@h, filthy and smog ridden, black soot on everything, it won't change and will only get worse. Every 6 months we go back it seems worse, rush rush, pollution and die hard opportunists, same as Australian cities, world wide cities from experience. Development and infrastructure over the last 30 odd years in Oz is amazing, go to Melbourne, an out there cosmopolitan city that rivals the best in the world, I grew up there, was an absolute bore as a kid 40 odd years ago apart from Moomba back then, which was the highlight of our (us kids) lives annually. It pales into significance these days. Melbourne must be one of the most entertaining and cosmopolitan cities in the world these days, a city I grew up in that was lame and very normal is now too fast, too expensive and not far enough away from the Philippines. As a soon to be permanent resident of the Philippines I also see similar changes there, prices for property continue to rise, commodities escalate. Family are here in the Philippines though and there is the trade off, financially better off too. Let's talk about this in 5 or 10 years, Melbourne might be a hole in the ground. As another member said very wisely, "A SIMPLER Life". Gear yourself up for your life and not what we see changing in the world and where we came from. Change is inevitable and a simple plebeian such as myself won't change a thing in the grand scheme. Cheers, Steve. .
  29. 2 points
    Great news to hear as I've read through the 9 pages here on your adventure, and a happy outcome no less! Congrats! Nothing like the love of a Filipina, and having been married before to a US raised Filipina and to a Native Filipina now, can say you picked the best route I think. Best Wishes to you both back home and look forward to reading/hearing more about your future together and a future move back to paradise some day. Best Regards, James C.
  30. 2 points
    Also, the Americans were monitoring the clash at Mamasampano where the 44 SAF were killed. USA has eyes in the sky.
  31. 2 points
    Fatal mistake most times, they are just not the same as you buy back Home, wherever you are from and whatever the Brand is you think you are buying
  32. 2 points
    Emergencies , holidays, maintenance on the house and any other things that may pop up will be from the other pot i keep on mentioning , the savings pot. In this pot will be enough for the big house, the new car , the flights back to England each year but hang about i dont need those , plus what about the credit card for the just incase too. We are all different in what we are wanting and what we need, but some can be living good on little and some need everything what they have already from the west. Me , well who knows until i get there, thats why i am saving very hard to try to make sure we will be fine.
  33. 2 points
    That is not all true. Once you acquire real estate, I mean your own home, the cost of living in Hawaii is not too bad. Property tax is still reasonable here compared to the east coast. But that is not an easy task. Most Hawaii residents spent at least %50 percent of their take home pay on their mortgage or rent - and that is a conservative estimate. Once my mortgage was paid off, life became really easy for me, even as a single bachelor.
  34. 2 points
    For all you military strategy types out there, I have a question. What was the military or political objective for Assad to use a chemical weapon? What did he gain from that?
  35. 2 points
    Great report, thanks a bunch. For sure appetite whetted and reading the comments on sea foods we are all set. kinda planed first a trip to Malaysia do some hiking in Cameron highlands. Very visa friendly and understand less little niggles which seem always under the current here, not to mention the food. Hope hear some more about your travels and the Air B&B sounds interesting.
  36. 2 points
    You get what you pay for. Good is not cheap and cheap is not always good.
  37. 2 points
    I believe it. It's like I have noticed. Efficiency and competence are foreign words here.
  38. 2 points
    Bows00, your member label says you live in Hawaii! That is THE MOST expensive state to live in in the USA!!! I suspect you'll do OK in the Philippines!
  39. 2 points
    No matter what bank you deal with, you will have issues sooner or later... Lol! Philippine ATMs are famous for screwing up, so if you want to use them..? Hmm...
  40. 2 points
    You get 30 days on entry and then you apply for an extra 29 days then every 2 months you will have to renew your visa.
  41. 2 points
    That might take some time but if you have nothing else to do, go ahead.
  42. 2 points
    Like Stevewool, I am still resident in UK, However since retiring, returning to the city of Liverpool that I once daily commuted to, the amount of construction work in progress and development is colossal in the last five years. Manila has also seen massive development too in the last five years, I refer to the area around the new international airport there.
  43. 2 points
    Working for the US government grants you a pension when you meet two criteria: (1) 30 years of service, and (2) Age 56. The pension grows by 1% of base pay per year of service. For most, 62 years is the magic number when you receive 1.1% per year of service. I have calculated, and recalculated my spending needs and have concluded I will have enough money to live indefinitely. However, retirement is still a difficult jump when leaving something you have been doing all your life. It helps when you focus on what your running to - a chance to start a new life in the Philippines...
  44. 2 points
    The incredible suburban sprawl and new/expanded/improved infrastructure, but much of it is now tolled. Retail growth and new car mega-dealerships. Major intersections in most suburban cities are mirror images of those in other surrounding cities - same big boxes, same grocery and pharmacy chains, same banks, same fast-food/restaurant chains, etc. Ha, so similar it becomes somewhat disorienting just driving around the area. More new, sterile, cookie-cutter subdivisions, but rarely any kids outside playing and basically "just being kids" as I remember. SUVs, new Mustangs and Camaros out the ying-yang, and a ton or Harleys, too. The convenience of literally anything and everything is nice, but it doesn't take me long to think of that Southwest Airlines jingle, "Gotta get away"? IDK, I guess it's all good, but just not my cup of tea after being spoiled by a simpler life in the PI.
  45. 2 points
  46. 2 points
    Jack they love all the medals they award each other. The job itself is not that hard, "Sargent take those 3 soldiers scout the town and engage all enemy troops, oh don't forget to bring back at least a dozen prisoners." not hard at all. Best to be boss.
  47. 2 points
    We are in Vung Tau now and it is quite a nice place, far better than Hcmc. Best thing about HCMC is the road out. We rented a place thru airbnb, 2br 2 bath 10 mins walk to beach whichs is very clean. 2 weeks $350au. Clean water but brown sand that discolours the water somewhat. Weekdays beach nice and quiet but weekends lots come down from HCMC and it is packed. I rented a bike and it is a harrowing experience. Having never driven on the other side of the road and having them come at you likr kamakaze pilots is a new experience to say the least. They are all blowing their horns, apart from that it is just fine!! At least i may be better equipped for Phils end of July. Little English spoken here, no western news on cable,3 channels in English and 2 of them are movies. Food is great, seafood market 10 min walk, been twice, fresh and cheap, cooked while you wait. Pho noodle shops fantastic. Shopping cheap, visas for long stay expensive. Bikes to hire $8 day, over 4mill dong to buy (22000 to USD). HARDLY SEE THE POLICE HERE. That's a bit of a capulation, hope you enjoy. Overall a good holiday spot. Am also told Da Nang is nice spot.
  48. 1 point
    That settles it. Scratching China Bank off my list. thanks Bob
  49. 1 point
    I have not left England yet , so really i am not a expat , but i do feel like a expat living in England these days
  50. 1 point
    There is no official news that say they are here in Dumaguete, although the PNP and Military are on alert, but they do that anytime a major holiday comes around. http://www.sunstar.com.ph/dumaguete/local-news/2017/04/11/pnp-afp-step-measures-while-full-alert-semana-santa-536140 But Bohol is a whole different story http://news.abs-cbn.com/news/04/13/17/bohol-villagers-evacuated-anew-amid-abu-sayyaf-threat
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