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Showing content with the highest reputation on 07/08/2019 in all areas

  1. 2 points
    Transferwise has different fees based on how you pay. Debit card vs direct debit vs credit card. That’s probably why you see the $2 difference. I don’t know if they’re the best, but I have used them several times and like them.
  2. 2 points
    Well it's like this. Really how much space do you need? If there are only 2 people and you did not bring unnecessary things that you have to store then 22sqm is quite roomy. Before I came here I was living in a 3 bedroom house with ensuite to my bedroom bla bla and only me living there but when it comes down to it, no I never needed it and certainly can live without it all. In fact I had a very large lounge which I never used, one bedroom was my computer room and another was just storage and all just wasted for my needs. More so now as I dont have much and like I say, you get used to living in a smaller place. I see some condos which are smaller than 22 sqm and I bet its enough for most people if they put in perspective of their real needs. Anyway the size of this condo for a studio in this area is about the same but location, location ,location. Soon i can walk more or less across the road and be in an Ayala mall. No need driving anywhere or closing gates. Suits me fine but wont suit everyone.
  3. 2 points
    I recently heard from a friend in the USA. He said the gender issue was way too complicated for him and he could no longer keep track of LGBTQ, etc, etc. He says he now just has two classes of gender, "wienered, and non-wienered".
  4. 2 points
    I know this is a serious topic but you have left yourself wide open and I gotta say it: Too much money on payday in your right-hand pocket. Takes you 3 days to spend it and then your hips are not out of alignment and the pain goes away. https://www.menshealth.com/health/a19544148/why-fat-wallet-causes-bad-back/
  5. 2 points
    My friend suggested to take the x-ray to the chiro, so I think I will do that. Can't hurt.
  6. 1 point
    I came here to live 8 years ago and have been here ever since.It has not been an easy transition as i had to get used to how things are done here which seem to be stacked against us. This now does not bother me as if I think something is going to be stressful I pay a local to do it. I was having problems a few years ago and I was pissed off, I then thought about it and realised that 95% of my problems were from the UK. The rules there can be more harder to follow than here when you are living here. After 5 years here I sold all I had left in the UK and decided to look out for my wife and Daughter and stuff , in many instances the UK. A lot of the problems I had were from government employees who don`t give a toss and you end up with the crap that follows because they did not do their job. I have on several occasions made an official complaint and 3 times have been compensated for the behavior of workers in the UK. We now have 4 rentals and so far 1 tenant who seems ok ,time will tell, and life is so much better now. Life is now settled and I only have to deal with idiots in the UK once or twice a year. So how was your transition moving here did it go smoothly or did you have problems, are you still having problems.
  7. 1 point
    That doesn't look like a girl's bedroom - way too neat!
  8. 1 point
  9. 1 point
    I haven't had a huge number of problems in the Philippines but I've had recurring issues with Australian departments. The state government changed the taxation rules for non-resident owners of property in the state lumping them in with foreign owners of property so that if I don't spend at least 6 months and 1 day in Australia I get charged a big land tax bill on my rental properties in Australia. I'm currently getting one ready for sale and the other will be done after that. The child support agency require information from tax returns lodged with the Australian Tax Office and they won't send information except by paper mail to an Australian address so last year I got fined for not lodging my tax return with them in time (even though it was lodged 2 months before the tax office due date). The letter (and return envelope) that they sent to me was sitting in Australia when I wasn't and so was the warning notice. When I rang to ask to have the alerts sent by email (no can't do that) or sent to an overseas address (no can't do that). The city where I live also refuse to send rates accounts by email, they have to be sent in paper. They will send by paper but because I'm currently spending half the year here and half there I'd have to keep notifying them of the changed mailing address. And even if they sent it to CDO it wouldn't reach there before the rates notice was due and I'd get late payment penalties. Yah... so I'm giving up on having Australian property (but that will take some time).
  10. 1 point
    Maybe not. Prices are dropping and even off grid systems are starting to have attractive prices. I have been doing the research but so far cannot convince wife that it is a good investment even though she complains about the electric bill. Below is a quote I received yesterday for a 5KW off grid system. Depending on needs you might need to add additional batteries. Item Name Qty Total FOB Price 1 DAH SOLAR DHM72-335W 15pcs 3594USD 2 DC Combiner Box 1 unit 3 MPPT Controller 1 unit 4 TRESS 5KW Inverter 1 unit 5 Solar battery 4 pieces 6 DC cable PV1-F 4mm2 200m Red+Black 7 MC4 Connector 12pairs 8 Mounting Structure 1 set Total CIF Cebu Port Philippine 3744USD
  11. 1 point
    My wife built a Bahai kubo with plywood , bamboo, and thatch roof for fun. Soon after she decided she really wanted a real concrete house so she had the same man, 1 man job or him and a helper change it to concrete with the same floor plan. Now we can add air conditioner and a little countertop. It does have a small bathroom and comes in at around 30 sq m. I didn’t catch on to what she was doing until she was well into it. I should have seen the signs as we were tuning into the “tiny homes” TV series’s. Now we feel as our “hotel room” is always reserved and ready for us. I give her credit for pursuing her passion to the end and she expects we’ll christen it in 2020. My only problem with that is she always wants to come during fiesta time and the tilt-a-whirl, and bingo are adjacent to us on the other part of our property so it’s no go for me from feb 1 to April 30. I haven’t a clue when fiesta officially starts so I can’t take a chance. Ahhhhhhh I would like to try October to January some day.
  12. 1 point
    I will have my own address here in England where ever we will be in the future, the council tax for the house and all other bills goes out of my account , so I live here , sort of , but who knows what may happen in the future , we brits seems to be a dying breed in our own country.
  13. 1 point
    No you are not. I respect your decisions and actions. These decisions and actions are exactly the same as millions upon millions of Americans in the last 50 years. But speaking seriously as one who did Volunteer (they ended the draft just before I turned 18) to serve, and took part in two non declared wars (but the bullets and road side bombs were real ). Stood on the DMZ with NK, cleaned a rifle in a foxhole in Germany when the soviet union out numbered Nato 15 to one. I personally take as much OFFENSE to the Commander in chief with the term bone spur as I would if someone used a racial epitaph with Pres Obama. Believe me a vast majority of those who have served feel the same.
  14. 1 point
    "Can anyone relate to this? ( Honesty required )" Humour aside. Having read each and everyone replies so far...I can honestly say I can relate to everyone of them. At my time in life I have few wants, so I guess others are willing to take advantage of that fact. I see it, but I choose not to let it trouble me. We are all Pawns on an oversized Chess board and whether we realise or not , we are manipulated. It's History repeating itself......
  15. 1 point
    I'm in Iloilo, about 30 minutes drive from the city. It's a medium-sized city with several shopping malls and a good selection of restaurants and bars these days. It's relatively safe and the government services are quite efficient. It doesn't have the bright lights and nightclubs some may seek, but all-in-all it's perfectly liveable. Another plus, it's still relatively inexpensive but prices are creeping up. It doesn't have a very vibrant expat community though, for some that can be a problem.
  16. 1 point
    I drive from Cavite to Tagaytay about once a year because my GF. loves the buko pies at a certain place there. It's about an hour and a half drive depending on how many Fiestas and funeral processions are going on, or balloon parades Last time I was there traffic was not terrible but not pleasant. Might want to look into some of the outlying cities like Amedeo or Silang..much less hustle and bustle. And close to Manila if you need to go there. Still plenty of open fields so you get a good breeze. My advice is to take your time and look around for more than 1 day. Good luck!
  17. 1 point
  18. 1 point
    Interesting topic but I think the planet is doomed. By then we might have figured out how to get to another planet and start ruining it, unless we've learned our lesson. I like this quote from "The Matrix". "I'd like to share a revelation that I've had during my time here. It came to me when I tried to classify your species and I realized that you're not actually mammals. Every mammal on this planet instinctively develops a natural equilibrium with the surrounding environment but you humans do not. You move to an area and you multiply and multiply until every natural resource is consumed and the only way you can survive is to spread to another area. There is another organism on this planet that follows the same pattern. Do you know what it is? A virus. Human beings are a disease, a cancer of this planet. You're a plague and we are the cure."
  19. 1 point
    Speaking specifically regarding Australia and it's future climate; The CSIRO in Australia examined 40 global climate models that were driven by four greenhouse gas and aerosol emissions scenarios. Results were prepared for 21 climate variables (both on the land and in the ocean) and for four 20-year time periods (centred on 2030, 2050, 2070 and 2090). Research has shown that most of the changes observed over recent decades will continue into the future. Projections suggest that for Australia: hot days will become more frequent and hotter (very high confidence) sea levels will rise (very high confidence) oceans will become more acidic (very high confidence) snow depths will decline (very high confidence) extreme rainfall events are likely to become more intense (high confidence) Seasonal-average rainfall changes will vary across Australia. In southern mainland Australia, winter and spring rainfall is projected to decrease (high confidence), but increases are projected for Tasmania in winter (medium confidence). In eastern Australia, there is high confidence that in the near future (2030) natural variability will predominate over trends due to greenhouse gas emissions. For late in the century (2090), there is medium confidence in a winter rainfall decrease. In northern Australia and northern inland areas, there is high confidence that in the near future (2030), natural variability will predominate over trends due to greenhouse gas emissions. There is low confidence in the direction of future rainfall change by late in the century (2090), but substantial changes to wet-season and annual rainfall cannot be ruled out. The time in drought is projected to increase over southern Australia (high confidence). There is high confidence in increasing potential evapotranspiration (atmospheric moisture demand). There is high confidence in decreasing soil moisture in the southern regions (particularly in winter and spring) driven by the projected decrease in rainfall and higher evaporative demand. There is medium confidence in decreasing soil moisture elsewhere in Australia where evaporative demand is projected to increase but the direction of rainfall change in uncertain. Southern and eastern Australia are projected to experience harsher fire weather (high confidence). Tropical cyclones may occur less often, but become more intense (medium confidence). Projected changes will be superimposed on significant natural climate variability. * * The central line is the median value, and the shading is the 10th and 90th percentile range of 20-year running means (inner) and single year values (outer). To simplify the upper graph represents a high emissions scenario (the path we are on now), the middle graph represents a medium emissions scenario (say if a majority of countries adhere to Kyoto) and the bottom graph represents a low emissions scenario (which would require countries to mandate major changes now). My gut says... 1st world countries will want to look like they're following Kyoto and increasingly 2nd world countries will as well but industry and economic pressure will push them to minimize what they do whilst complying and some countries aren't going to meet Kyoto. Hence not as bad as the top graph but worse than the middle graph... which comes back to my original at least 3C and probably 3.5C comment earlier in the topic.
  20. 1 point
    I think Jake has probably come closest to how the problem will resolve itself. When the fuse blows it is going to be a monster The population continues to grow and resources becomes more scarce. Humans, by and large, are not a "share and share alike" species. Like most other animals on the planet we are hard wired to do whatever it takes for us, and our tribe, to survive. Tribe being defined as people who look like me, think like me, and will work with me to prevent others from taking what it mine. Something has to give, the earth can only sustain x number of people and some experts think that number as already been exceeded by a substantial number. Science and technology can help but the reality is that there is a finite limit to resources such are clean water and land capable of growing crops. At some point in the future there will be an event(s) that will dramatically reduce the human population. It may be war, super flu, super volcano, asteroid, or mass starvation due to global climate change. First world countries are not willing to lower their standard of living to lift third world countries from poverty. Growing economies are not willing to slow their growth at the expense of the environment. Will politicians do something? Why would they as they are elected by a population that desire to protect their standard of living over the health of the planet. Too many of us around the globe "want it and want it now" without thought of the future cost. This is especially true if we consider the bill comes do in 50 to 100 years, perhaps longers. I think we will continue to kick the can down the road until the roads ends.
  21. 1 point
    Excellent conversational starter Kuya John. The future for our children and grandchildren is bleak, to say the least. The political agenda of modern society is to line their own pockets, build their fortified castles and to hell with the rest of the world. It may seem like distant catastrophe of modern day genocide, forced migration of millions of people due to war, famine, drought and flooding (like in eastern Africa, eastern Asia, middle East).....eventually it will come to our doorsteps, if not already. In my own morbid way, I wish that Mother Nature will blow a fuse and teach us, the modern Man to once again respect her. I believe it will get worse, before it gets any better. Respectfully Jake
  22. 1 point
    We have to try. But it looks like most countries are going to ignore it until it bites us all in the ass - and by then it may be too late to reverse the damage. The anti-science campaigns are paying off. People deny climate change, and the measles are coming back. There is no help for the willfully misinformed.
  23. 1 point
    In the medium term (say the next 30 years) changes to green house gas emissions like replacing coal fired power stations with alternatives that emit less greenhouse gases and reducing green house gases caused by our transport fleets and stopping deforestation would give us time to work on longer term solutions. But there are many world leaders (including the current Australian government) who are basically doing nothing, even the alternative Australian opposition's policies are barely enough to maybe meet Australia's greenhouse gas emission targets. And with many third world countries gradually becoming more industrialized and their emissions increasing, well that is offsetting what reductions are being made in some first world countries. I honestly think we're looking at an outcome of at least 3C and probably 3.5C rather than the 1.5C that governments claim to be working towards by 2100. And 3C will drown large portions of coastal areas, turn currently productive farmlands into dust bowls and cause huge increases in food costs leaving millions in poorer countries unable to afford food and water. Yah... I can't see a good way out of this. I suspect it's going to have to get so bad that it really starts hitting the bottom line of international business and first world countries before they'll seriously act, and by that time the damage will already have been done. Not that most of us here (including me) will be around to see the really bad results, we'll be dead by then... so there's that.
  24. 1 point
    Each to our own EH! not having a need for a dentist for over 15+ years I am out of Touch (pun intended)
  25. 1 point
    Could be both male and female at the same time.
  26. 1 point
    I think they call it a titty twister. One possible problem, what if she likes pain?
  27. 1 point
    When you need a trusted dentist that tells the truth the best Advice I could ever give is grab his balls, squeeze a Little and say, Hey! we are not going to hurt each other are we? If it is a Lady dentist then I will leave that, for Mr Joker Arizona @Arizona Kid to answer Me? I am too shy
  28. 1 point
    I hear this a lot, but I wonder if the reality matches up when you consider the number of trips needed if a lot of treatment is required. Fair enough if you are making a holiday of it.
  29. 1 point
    Better off in Thailand or Vietnam if you're having a lot done, much cheaper for the same/better quality.
  30. 1 point
    You can try to look into Gerochi (Makati), they're reputable and I personally visited them (Dr. Tan) and felt very comfortable there, she was also honest and didn't try to do the money grab tricks many other dentists do. Although I actually only did a very minor procedure with her, so do ask around more. Prices for Gerochi are on par with other so called high end clinics. I find root canals to be insanely expensive in the Philippines and you may want to travel to Vietnam for that. Even with flight costs and visa you're still saving a ton.
  31. 1 point
    This is a tough one brother, and frequently asked about all sorts of services. In my experience, service referrals are usually done through friends and family. It is really tough to find reviews online or else where that can be trusted. Even family referrals are hit and miss. When we built out house a relative was our general contractor and the foreman worked for him. We had no problems, so our neighbor hired the foreman for their project and he disappeared with the payroll So you can never really tell. Now dentists are a dime a dozen, our first was a relative who was terrible. I took matters into my own hands, went down the street, talked to a couple of other dentists. Settled on a young lady that seemed to know her business. She performed several extractions and made dentures for me and so far I am very happy. Now as to implants, Using logic I would expect that dentists in the high end areas like Makati or Alabang are your best bet. I doubt a barangay dentist would have many clients or experience. I know that this is not what you were looking for, but almost any type of service here has one general rule...……….YOUR MILAGE MAY VARY!!!!!! Good luck
  32. 1 point
    Also increased risk to heart attack and stroke!
  33. 1 point
    If memory serves me right, long term use can cause serious damage to your stomach. Corrosive effect leading to ulcers and bleeding. With some of these medical problems, the medicine side effects really put you between a rock and hard place when making choices.
  34. 1 point
    I get hip pain on my right side occasionally, comes and goes, mostly goes but when I have it I can barely walk. Then it just goes away as fast as it came. 3 days of pain at the most. My brother had a hip replacement in Phoenix after a car accident years ago and at about 10 years he had to get a tune up. The ball at the joint wears out apparently. But he said it was great.
  35. 1 point
    Maybe a tenor or gospel singer.
  36. 1 point
    I would make absolutely sure the surgery is required. Perhaps there are other things you can try first. Several years ago i had a growing problem with hip pain, then it extended to the front of my lower leg sometimes. It turned out that the bottom most disk of my spine next to the tailbone had been crushed at some point. (Rest of my spine looks perfect) This affects the nerve bundles exiting the spine to my legs. Bottom line the pain was caused by nerves. 3 months of physical therapy helped to adjust something to the point where i rarely have any pain. This avoided more intrusive therapy like spinal injections or eventually, surgery.
  37. 1 point
    Anybody had hip replacement surgery? Yep I did Once I found out the true cost of her that was it. Amazing how much a Filipina could spend.
  38. 1 point
    Easier to just google search 'life insurance for expats'. Some of the sites will list local PH companies that offer policies. Many first world country companies won't insure you if you are living here due to the risk factors and those that do, have high premiums that reflect and factor in the higher risks like they do if working in a war zone. I would think the premiums would be prohibitive compared with what you would pay if living in your home country. What i remember from when I checked this out many years ago, was that the beneficiary had to be someone living in your home country and/or a fellow national. Your accidental death policy would not pay out to a foreign national living in a foreign country or something to that effect. I dropped the issue at that point in my research. I could be wrong. I found it easier to self-insure for my wife's future economic well-being here, by buying some clear titled properties for her that she could sell off in times of future need, despite it being cumbersome and ill-liquid.
  39. 1 point
    My buddy at work used to work in finance in Australia and he just got this exPat insurance. He said selecting US $350,000 is hassle free. https://www.regencyforexpats.com/LifeInsurance/index Found some reviews here: https://www.reviews.co.uk/company-reviews/store/regency-for-expats/1
  40. 1 point
    As an ex - Serviceman I will admit, that during my Service time and some after, I did some Strange and ill advised things that to a degree, I am paying for now. So Friday brings my 1/2 yearly Doctor's Visit with a Firm hope that the last 6 months have been good for me ( Remembering that Christmas and new year always takes its toll) anyway, being a Thinker (at times) I will not dwell on Friday as there is not much I can do about things. Thursday ( Tomorrow) is Laboratory day , so for me, that is a little more important, ( Bloods and stuff) Tonight will be just the one Beer and nothing sweet. Tomorrow is our meet day in Dumaguete but as I will have the Lab stuff done at 5.30 am it will be Yippee let then Flow at 1 pm with the guys. However it does bring to mind Mickey Mantles quote on the issue and hope it will serve as a reminder to those like me that had a somewhat early misspent life Wish me luck G & G's and think on this
  41. 1 point
    I consulted my magic 8 ball. You will do well. Besides, your good looking dogs are depending on you!
  42. 1 point
    My wifes aunt died of lung cancer a few months back. Chemo was 40k pesos per go, had 12 sessions. They paid about 800k pesos in total for the 7-8 months she lasted. I'd go back to the UK personally, NHS is better than the best private hospitals here (in my opinion). Good for things like Dementia here though, my Wifes mum pays about 25k pesos per month and has a full time nurse, all her meds, maid etc. My gran pays 4.5k pounds per month for a care home in the UK lol.
  43. 1 point
    Guys I see this kind of stuff every working day ,I cover two hospices and 4 rehabilitation wards ,I've seen people in very poor conditions ,grown men and women in diapers , the quality of live long gone ,a multitude of illnesses all of which have teams of nurses and doctors tied up just to stretch out a life that in my eyes is no longer worth living Have you ever witnessed, locked in syndrome? That one looks like a living hell I have instructed my son and told him that u hope he will be strong enough to put me on a plane to veritas in Switzerland if I get to a long term incapacitated condition He looked at me and said F*** that dad , I'll hit you on the back of the head with a shovel and pocket the airfare That's daddy's boy
  44. 1 point
    I for one if it was anything serious, and I was able to get on a plane, I would be off like a shot. Taxi to a hospital and collapse in the doorway....
  45. 1 point
    Dave I couldn't agree more. Having seen two people die from strokes; they had zero quality of life; while all the medical care staff did what they could to keep them alive for the last weeks of their life; horrible to witness and utterly pointless. I decided then and there to get a DNR* note posted on the wall above my bed! (* Do Not Resuscitate)
  46. 1 point
    I cannot even imagine getting that level of care in the Philippines at any price. Many well-to-do expats die from lack of available service rather than the inability to pay for it. A lot of us have made up our minds to return to our home countries for health care if there is time. Quite often there is no time. Illness often hits fast and you may not be healthy enough to make the trip back. I have come to terms with that. It is important that you realize this before retiring here. For me, I have seen a few expats head back to their home countries for acute, critical health care. Most eventually die there but it is dragged out over a longer time. One fellow I know came back to Cebu from USA to spend his last 6 weeks of life (cancer) in Philippines rather than dying in a hospice in USA. Having watched what he went through, I know I would prefer a bullet or a hospice in Canada.
  47. 1 point
    That is a reasonable topic and anyone who wants to start it can do so but its such an individual decision that I would suggest discussing it with your insurer. I found out a while ago that Blue Cross insurance for me would cost about 50,000 pesos a year. Since this is the first time in 7 years that I have been hospitalized, I am already 300,000 pesos ahead. BUT. I have been very hesitant to post or suggest that due to the superstition that as soon as I say it I will have a huge hospital emergency. Again, insurance is a personal choice.
  48. 1 point
    I think you're going to find that there's not that great a difference in annual policy costs for a larger maximum. Yes, medical costs are lower but they bill you for every single little thing, just like the US and it can add up quickly. Also a claim on a pre-existing condition may be denied. My coverage is up to $500,000 dollars per year and that's not the top tier. I wouldn't go less then p3 million, jmo.
  49. 0 points
    I went to a doc at Medical City Clark today because my hip has been hurting for quite a while. After an X-ray, his opinion is that I will be needing a hip replacement in the future. I have 3 friends who have had it in the last 2-3 year, all very successful. Two were in California and one here in Baguio. I researched the doc I saw today and he has a good rep. His main hospital is Medical City in Pasig an he comes to Clark two days a week. I definitely will get other opinions before going for it. A family friend in Baguio, a Swiss guy in his late 70's, had both hips done in Baguio a few year ago, and is happy with it. The same doc subsequently operated on my BIL when broke his leg badly and needed a lot of pins. Both recommend him. He is based at Notre Dame there. Any experiences to share? How about Thailand? I French guy I know who lives here was saying he would go to Thailand for anything big.
  50. 0 points
    The quote is especially apt considering that Mr. Mantle died of cirrhosis of the liver. I have read, not sure if true, that he was denied a liver transplant because he was a chronic alcoholic.
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