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Showing content with the highest reputation on 02/08/2019 in all areas

  1. 2 points
    The parking attendants here a registered with the TMO so I would say a way of making a living and you do have the option of not paying.
  2. 2 points
    Part of the problem is that people are not as good at risk assessment as they think they are, and the research seems to confirm this. Many people seem to think that they are the exception to the law of averages, and they can beat odds when dealing with drugs, gambling, STDs, on-line dating, etc. Many of the things they fear most are long odds and low risk (e.g., airplane crashes, getting killed by a terrorist) while many other threats that are far more likely to occur to them are higher than they think (e.g., non-use of a seat belt or helmet on a motorcycle.) There are books written on this subject if you are at all interested.
  3. 2 points
    Seems to be a cheap and informal form of anti-collision insurance that comes with car ownership here to me.
  4. 2 points
    Here I pay them 5 peso it`s worth it.You probably have enough .25 coins and centavos to pay it and make room in your pockets.
  5. 2 points
    It is best to have your patience working well before you get here. They will test it. I had a patience test the other day... I gave up on their banks long ago. It is easier and more efficient to us my US bank and a phone app but my wife likes to keep a local BPI account. I noticed a sign on the ATM the other day saying that after 18FEB the BPI cards without chips will not work, please go to your branch for a new card (franchise banking, so you have to go to 'your' branch for a lot of things). We go to our branch and they have an envelope with my name on it waiting for me. But it has only 1 card. I ask about getting my wife a card. They give me a form (ATM card request) and point to a desk. I go to the desk and the woman has no idea what she is supposed to do with me. She asks the guy and he says I am supposed to have my wife fill out the form and take it back to him. Still, no one knows why I was sent to the woman's desk. My wife fills out the form and gives it back to the first guy. He then sends us to a cubicle. The guy there looks at the form oddly. Says it is wrong and that I have to fill out the form with my info (right form, wrong person's info). Turns out I have to fill out a 3 page form to request the card they told me to pickup, and had already printed. I fill it out and he gives me my card and wishes me a good day. But I ask again about getting my wife her card. He says it takes a different form. So I give him one of my patented 'ok idiot, that is why we are here, let's do this' looks. We fill out the form and he wishes us a good day. So I ask when/how we get her card. He says to come back in one week for it. 3 desks, 2 sets of forms, plus an incorrect form, having to ask about her card a minimum of 6 times, and 45 minutes later we are done. Simple, right? Simple...but... I may have lost my patience a few times. Yeah, hate to say it, but I did. I had to ask 3 people, and fill out multiple forms, and still not get any closer to getting her card. The idiocy astounds me at times (and I let him know in no uncertain terms).But I never raised my voice. ha ha.
  6. 1 point
    Yes true but its not like you need a oil change so in this case its like compulsory guidance to park or leave your spot. Ask to see a certificate of traffic management lol
  7. 1 point
    Good question. Since I see the same people performing this chore on a regular basis I assume this is their way of earning a living.
  8. 1 point
    Then what causes the issue? unemployment, race color? OR just bad parents? To me it starts somewhere so it's a matter of finding that point. Disclaimer: When I say bad parents I do not mean in the past as the subject is more or less how to solve the problem today.
  9. 1 point
    A few pesos given with a good attitude goes a long way towards making life less stressful in the PI. In Butuan there are men and boys who wander up and down the streets and for a few pesos will find you a parking spot or stop traffic while you back out. Do I need them? No, but I pay because it’s easier to get in and out and perhaps I’m helping someone make an honest living.
  10. 1 point
    I did mine 3 years ago after I came back here.I waited 6 months so I didn`t have to get police clearance from the UK.I used a lawyer and I only had to visit the BI once and I have had no problems with the application or yearly report,I carry a photocopy of my i card as I don`t want to lose the actual card.
  11. 1 point
    Politicians often get in the way of solutions. As I said before we need to think outside the box and I would certainly favor trying any and all ideas and especially one with this kind of results. I don’t see any real political effort to solve the problem in the U.S. I hear a lot of talk but little action. In the meantime we have to increase our efforts in schools and as parents do all we can to make sure our children know the dangers and the tragedies of drugs.
  12. 1 point
    Just what we need, another drug to kill our children. I’m sure most of us here have witnessed the evils of drugs. I have seen it in my own family and know first hand the sorrow and pain it causes. I for one am happy to see the crackdown on drugs in the PI. I would love to see a worldwide campaign to end the scourge of drugs, but I know it won’t happen. To much money to be made from the most vulnerable among us. Very sad, wish I knew the answer.
  13. 1 point
    Great topic. I use to get so utterly irritated with the guys that think you can't park your own car without their help..waving you in..telling you when you're far enough into the spot. I used to not tip these guys but now I do. My GF made me chill. Get used to the way people live here or be irritated. I chose the latter.
  14. 1 point
    Yeah no sense stressing, my wife renewed her passport while we were over there this time, apparently the new numbers weren't sent through to the immigration at the airport. Long and short of it all, we were held up with the wife going crook, me sitting on their baggage escalator grinning at the situation and a little sheila behind the counter requesting me to move so she could check other people in. No way hosa, not our fault someone had buggered up. It took less than five minutes to rectify the problem and we were on our way back to Oz were rudeness and incompetence just doesn't happen.
  15. 1 point
    Yep - that's another one but to be fair I used to see that happen in the UK. I had another one 3 weeks ago - two women were in front of me at the checkout and were taking it in turns to complete their shopping. I did mention to them that it was normal to complete your shopping before queuing to pay! Worse still, they both watched as the checkout girl bagged their purchases - neither lifted a finger to help! The world would be a great place without the people who inhabit it!
  16. 1 point
    I hear you! Doing assessments for already ‘trained’ heavy vehicle drivers isn’t much better :)
  17. 1 point
    I like beer..it makes me a jolly good fellow. Got tired of having to go piss every 5 min. So I switched to Orange flavored Bar Vodka with water.
  18. 1 point
    Thank you. I am coming for vacation, to meet some girls, and as a side note, check out a few condos/houses, and see if it makes sense longer term to live there. If it's something I could deal with:) But first goal, is just have a good time and meet some girls
  19. 1 point
    I am very lucky to have a better half who understands saving and delayed gratification. SWMBO came to me after researching by herself a locally based retirement pension/superannuation type plan. The agent (who worked in a different part of the company to the sister in law) came around to the house and did a presentation. Now SWMBO is putting away into this fund out of her own money roughly 10,000 peso per month for when she is old. In addition she surprised me by announcing proudly when I arrived back from spending 2 months in Australia last time, that she had reached 100,000 peso in her regular bank account (and this was after she bought me a new iPhone Xr for Christmas). I sometimes think I am the impulsive one and spend too easily, I send a moderate amount of support to some of the family in Ozamiz and SWMBO sends a small amount to her Lola south of Cebu. Emergency funds have been sent for hospital treatment for 2 of the children but normal extras are dealt with by small advances which stop the weekly support until it catches up. The fixed small support budget is affordable to us but I understand why people might choose otherwise.
  20. 1 point
    I'm a heartless Scotsman - When my wife and I got together in Hong Kong she stopped working and she said that it was now her older sister's and younger brother's turn to subsidise the family in the Philippines. I didn't argue. I just don't buy into the culture here and expect my wife's family to take care of themselves as I, and my family (parents and sisters) in the UK, have to. Would I help in an emergency situation - yes, I would. But, my definition of an emergency may not match theirs. In the past 6 or 7 years we haven't had any emergencies. I have a good relationship with my wife's family and am sure it wouldn't be improved by me financing their lifestyle. We all have different ideas on this topic and I respect those who choose to finance their relatives here.
  21. 1 point
    I have not had any luck in getting this concept to work here at all. The best I could manage to achieve was to get the asawa to consider the last P 2K in her bank account as 'untouchable' if she didn't want the bank to keep dinging her for 'below min. balance fees'. That she understands now. She also understands the importance of maintaining and keeping her SSS and Philhealth accounts pre-paid. Ditto for avoiding 'late fees' on bills. But setting aside and building up an emergency savings reserve seems beyond her psychological ability. Practically all expats living here passed the psycholgical 'marshmellow test' (You can eat the one I'm setting before you now. Or, if you don't and can wait until I return... I will give you another one and then you will have 2 to eat when you wish.) to make it here. A few then fail it after they arrive and become destitute. Most expat culturally learned the immense value of deferred gratification, budgeting, planning and saving for the future. This is not a lesson strongly taught or learned in this culture it seems. while growing up here. Day to day survival and spending all that you have is the norm for many reasons...... and it holds true even in many advanced economic societies. Set aside Savings are only possible when you have 'extra money' (as they say here). Most people, and governments it seems, live up to their income levels, if not beyond. The ratio of savers to spenders here is much lower than we have in our home countries, so don't have high expectations in these matters. To wit: my close friend of 45 years, who has been coming here on and off for 30 years (including a 10 yr. failed marriage with a Pinay) still thinks he can teach his step children to set aside savings for the future. So far, no luck. I just accept the reality I see here and rely only upon my own fiscal discipline to see us through. Good luck with your situation.... there are many smart and disciplined Pinays who are able to pass the marshmellow test as they gain life experience, but I wouldn't expect it of many of he younger ones. Its always important to understand your signif. other's philosophy of money, i. e., saver or spender or where on the scale, before teaming up. Major cause of failed relationships.
  22. 1 point
    Or the one when they say turn there, and you have to look at there lips to see where there pointing
  23. 1 point
    I have posted previously about Purchasing land and in the subject of my thread I suggested to people to "just don't do it", which was too sensitive a phrase for some members, to which I apologise for. So the following is my encounters here and is the reason for which I would not do it again, at all. Now before I start this, I have to mention that I have been coming here for four years on and off and that I met my partner on an internet site, and that we are both still together, her family successful in business where we live and have been here for a hundred years, anyway here goes:- The first "For Sale" was 2-1/2 acres with a 3 bedroom home with a Nippa hut on it, river frontage reasonably priced and everything looked good until we asked for titles, the response "Sir we only have tax declarations for the last 5 years, but you will have no problems". Did some research and it was deceased estate from years previous with still lots of relative alive. PASS ON THAT ONE. 2nd experience:= 10 acres of virgin land with a river frontage, was used for cattle farming, the area being split into 3 parcels of land, 2 parcels of the land was previously used a quarry, of course being from the rivers edge, now further on this becomes an important issue, so remember this bit. So we went to the seller, of course the intermediary was a real estate agent, all the qualification, yeah right Pig fly. Having negotiated a price we started the titles search and yes the titles were there except that they were in different names, as bequeathed to the different relatives, no problems we started reaching out to each and every one of them to make sure that they were willing to sell, now this is where it got tricky, as two of them had been remortgaged to settle a debt, or some such thing, blah blah blah, you all know how this goes. So while we were paying out deposits for the land, with subject to this and that, not owning the land but in the process through the correct agencies, one of the elders of the family showed up from Manila and was creating hell because he said that the land was sold too cheaply (he found out who was buying the land and wanted to squeeze some more out of it), so he went to a friend in one of the departments here and tried to freeze the sale, so then we had to give him a present for the purchase to go ahead, the folding paper type of present. While we were doing the search of titles we saw that there was an access required to get to our 3 parcels of land, so then we had to find out who owned that land and negotiate a price for access, to which we did, a fair price I must admit. Now the only time I showed my face was on the original inspection, and I was a visitor from the U.S. here to visit friends, it isn't easy for an aussie to pull that one off but I did my best. So the purchase went ahead after 10 months of a lot of running around and making lawyers richer than they already were. Time to go to the blocks and look at what we are going to do, but hang on while we were walking around the blocks we noticed that the markers had been moved on all 3 blocks, further investigation found that the bloke from Manila still owned 2 blocks one each either side of our 3 blocks, getting the picture folks? Time to call the surveyors in to redo the boundaries and yes the pegs had been moved, 3 metres on one side and 1.5 metres on the other side. This bloke still wouldn't go with it until 2 more visits from the surveyor, at our expense. So after all this was done, and the markers cemented in place with supports all around them, photographs taken etc etc. Back to the quarried site at the river, remember this from the start? Our land stretched from the road and then at the river section it dropped 2 metres down to another level where it had been quarried, so we decided to put a fence well away from the edge to start building and started to do some planting on the lower side. Up comes bloke from Manila who says that the portion below is not included in the sale, that he still owns that portion of land. 2 YEARS ON, we are still awaiting the outcome of that from the court. But when you think I am finished, there is more:- Sunday as we all know is a holy day and nothing much happens, so we thought we would go out to the blocks for a look see and make some plans. On arrival at the blocks, cutting down all the coconut trees that had been there since Jesus was a boy was the previous owners, They were taking the coconut trees and the several stands of Bamboo at least 30ft high, they were all cut down ready to go. Why you might ask? Well it goes like this " we might have bought the land but we didn't buy what was on it" I am serious that uttered from their mouths! Case 2 Many years ago after Jesus came back from the dead the family purchased 18 hectares of land out, away from town hardly accessible, on it they planted coconut trees, and everything was going good until there was some nasty people in the region causing all sorts of havoc, so the family decided it safer to stay away from the place for a while. When the father of the family passed away last year, the eldest son sought to find out where all the property was, as his entitlement. I will keep this short. Someone in the lands office had changed the name on title without notifying the owners, I kid you not. So the titles office threatened with legal action and maybe a phone call to a certain president, changed the name back to the rightful owner, but not all of the land, because the current owner had been paying land taxes, so they were entitled. Forgot to mention, we put fences all around our properties with signs so the squatters dont come in, even a serious Nippa hut, together with beer garden and empty cans lying around to give it that "Lived in feeling" I will save the rest for another day. Wait, you say, there is more to this saga about purchasing land in the Philippines? NOT FROM US WE WILL NOT BE DOING THIS BS AGAIN.....
  24. 1 point
    A good news transaction for a change. I'd been studying the pros and cons of land ownership including the legal aspects for over 3 years. I was having a random chat with my partner about 6 months ago considering the laws against single foreigners and how dodgy it can be to buy in your wives name with the amount of dodgy titles, attorneys etc. She told me her family owned a decent amount of land near Moalboal. I asked whose name it was in and she said her Grandfather. I asked how old he was and she said " he's dead". I asked if the title had been changed and she looked at me as if I was stupid. It turns out nothing had been done. I informed her about siblings rights etc. There were 7 siblings and each would be entitled to their share of the land even though only her father and brother lived there. For her fathers security I asked her to sort the land out legally as sometime down the line there will be family fights etc and they'll see money so fight over the best sections of land. She contacted the other 6 siblings and they assured her they don't want anything to do with the land as they live in Manila now. She was happy with that but I told her to get it legally transferred or there will be trouble ahead. Sure enough we had a little row but to prove me wrong she would see an attorney to transfer the shares. As soon as the papers were produced 2 siblings changed their minds and started arguing over the land. We calculated the total land cost and on their signature gave them their share in Peso. One other sibling settled on keeping an outside section of land. She now has a decent sized lot, clean titled near Moalboal which she says isn't worth much now, but I've pointed out once a road goes anywhere near the land it's value will shoot up and no one can take it away from her as it's been done legally and was always in her family name. Perks of being a Filipino I suppose.
  25. 1 point
    Yeah they're like cockroaches coming out of the cracks when they think there is a meal around, the wife's son put a 100K full deposit on a pre selling house in a guarded compound and had the figures in black and white, they took his bank cheque and then told him he needed to deposit another 390K for the final deposit. He asked for the bank cheque back, ( he hadn't signed anything,) but they refused. No worries I told him we will stop the cheque and get our money back. Into the bank and after causing a bit of a stir and the police arriving the bank manager decided to see us. "Sorry sir we can't stop the cheque" Bulldust I'll get the Australian Embassy to sort this out, a quick phone call to head office and the cheque was stopped. Cost of stopping the cheque 100 Peso + 2000 Peso penalty and waited 3 days to put the money back into the account. It also cost 2 Jollibee meals for the cops. What a lot of the lower working class PI's don't know, in some circumstances there are avenues that can be taken when someone is trying to diddle you and the crooks play on it. But being a foreigner bluff is my Ace, can you imagine what the Australian Embassy would have said if I rung them complaining about the bank, D###head is about all I would have got out of them. Another thing, the partner always thinks they know the laws on buying property, but when a foreigner shows up, that is when the cockroaches come out. My tuppence worth, look at the place you decide on, work a price out with the owner, a very small deposit, then let a solicitor handle the transaction with instructions, that is all your going to pay, let him sort it out and if he can't walk away.
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