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jrlee183 last won the day on April 10 2017

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  1. Hi Steve, Only just seen this post. The reason why your pension is different from others will almost certainly be due to you being a different age to the other members and different rules applying. At 44 years you should be fully funded, so no more contributions required. It will also depend on whether or not you contracted out of SERPS/S2P during your working life. the gov.uk website is actually very good (when it works) and as Steve says you can get a reliable forecast of your state pension. For those that havent paid in for a few years, you can backdate class 3 contributions f
  2. Thanks Tom .We tried that already. The top result is basically just a press release, and the site basically has everything but a directory of the shelters they offer. Plus, they are far away from Tokyo, but still in a major city. P.s. we are overseas at the moment so maybe the search result is different
  3. Hi Everyone, One of my wife's best friends is currently in Japan. We knew her Japanese husband is a bit crazy, but we have just found out this evening that he has been hurting/beating one of the kids. Does anyone know of any refuge/support network that she can contact? Ive not mentioned the city just in case, but I will PM anyone with specific details who knows anywhere or any kind of support network where she can take her kids to be safe. I've tried searching but it seems there its one of those things that is culturally ignored. Its a long shot here, I know. but w
  4. HSBC, Citibank, and some BPI ATMs allow you to withdraw up to 20k at a time i believe. Also, HSBC dont charge either You could always use a remittance service like world remit to transfer the cash to yourself and pick up from a local agent. that would be much cheaper
  5. Morning All, With the fairly frequent posts about our partners/spouses and their families repeatedly asking for money, i just wanted to share something which I think is rather nice: A bit of background .... about 2 years ago I helped the missus and her family set up a business (water refilling station) in her province. It started slow, but eventually, with a bit of western business logic, it is now making good money to the point it pretty much covers their life down there and they have also started renovating/extending the house without a single contribution from me. Anyway, s
  6. Yep! Although there are actually two run ways (one much smaller that can accommodate light aircraft and smaller commercial planes e.g. A320). Problem is that the two runways cross eachother meaning only one can be used at a time.
  7. Firstly, im so sorry to hear of your health problems .... the last thing you need is a financial issue such as this to add to your burden. Foreclosure is used as a last resort in the event of default and in most countries banks would do their best to negotiate a repayment plan before repossessing your property. That said, this is the Philippines and it could be different. I guess it would really depend on what it states in your loan agreement. There is alot of case law with regards to foreclosures, but it would seem to indicate 3 months of missed payments is the general rule of thumb.
  8. Yep its a good place to visit for a few days. be prepared to be shocked at how expensive everything is though.
  9. Singapore is known for its very expensive hotels. There are some cheap hotels in the changi area which is a short cab ride from the airport. Its been a while, but Hotel 81 was always the budget hotel option when i lived in SG. Although from what I have heard i believe the '81' refers to the average length of a guests stay (in minutes) or the number of bed bugs per square cm! Whichever it was, its not good. I would just stay in the airport ..... as far as long layovers go, Singapore is probably the best place to be.
  10. Travelling with Kids is always a pain, but never as bad as you think it will be .... in my experience anyway. Car seats - in the UK private cars have to be fitted with car seats if traveling with an infant/toddler. Not sure about Taxis etc. Eurozone is probably the same.
  11. We have always used Grab so no real change for us. The problem with uber in some SEA countries (possibly the philippines too) is that the driver doesnt know where he is going to take you until he picks you up. Whilst that was designed to stop drivers being selective with their passengers, all that happened was they give the passenger a call, ask where they are going and if they dont like it they just cancel.
  12. Im in the UAE pretty much once a quarter and this has also been our route of choice over the past couple of years back to the uk. To answer your questions specifically: A. Look at skyscanner or Google flights. Those are the best tools for cheap flights. B. Yes, and if you go with emirates the process is very simple. once you have booked your flight with a stopover there is a link on the site with the application form. Its straightforward and most importantly emirates sponsor the visa (otherwise you would be forking out a deposit of AED 10,000). You may actually find your partn
  13. Smart 4g data is the best for sure especially in Manila. Globe is just too intermittent. Not sure about the provinces, but ive been able to download movies at a pretty reasonable speed using a smart bro data sim card which can also be used in pocket wifi.
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