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  1. To retiree in the Philippines: The conclusion must be : You have to have a very good health or a lot of money. Because if you are more than 60 it will be more and more difficult and more and more expensive to get a proper health insurance. Do you agree? Merry Christmas everybody
  2. So if you're like me you sometimes have to send some funding overseas to friends or family. I've done it many ways, but in the recent past my service of choice, RemitHome, was consumed by transfast. The new outfit seemed not as good, but the rate was fine and they had no obvious issues so I let inertia rule and continued to use them. Until yesterday. Raise your hand if you know what a phishing scam looks like. I went to log in yesterday, and a page that said "we have sent you an email" opened, and I couldn't access the site. The email asked me to click a magic link and then the resulting page started off by asking for my login creds and then bank and credit card info. Does this sound at all familiar? This is precisely what a phishing scam would look like. But they are doing it to their own customers. Is it legit? I believe so. Is it a sign they don't take security seriously? In my opinion, absolutely yes. I'll never use them again, and I'd urge anyone here who uses them to consider their options.
  3. The dream awaits...the rush to a tropical island for love and life. You come to this forum for information and there is much here both good and bad. As someone who has lived here for many years I wanted to offer 1 piece of economic advice. It might not be what you want to hear, it is a sort of warning, but important to know. If you are packing all your bags and getting on the plane and plan to live here without either a pension or plenty of money in the bank you maybe in trouble. I say this because I have run into expats who have run out of money and are desperate. They are guys who have no pension to support them, no business to bring any money in or waiting for a miracle. If you do not have a job here already, have a real business you can do, or have a rich Uncle you can call, you might want to keep one foot in your home country until you have built up something here. It is just my advice.
  4. Hey, If this is in the wrong section, sorry.. please let me know. My name is Ross and I lived in Cebu for a few years. My wife (Sheila, Filipina) and I return a few times a year to see family, friends etc. We live in Australia (back 3 years), and I work for myself. I am 37 and have owned a bunch if IT businesses from internet cafes, web and software development businesses etc. I also help businesses run web based marketing campaigns.. pretty standard boring stuff. But, Ive been thinking for the past couple of years I can definitely use these skills to set something up with someone in cebu. Joint Venture... To what I am not 100% sure, maybe something tourism related. I had a friend a few months back who I was finding customers for in Australia who he was going to tour around Cebu. But he has left now and returned back to the US. If anyone else has been toying with some sort of similar idea(s), or would like to talk to me about it please let me know. Thanks Ross
  5. A collection of tips for living in The Philippines from Reddit. If you're a Globe postpaid subscriber and have been paying upwards of 2500 on your monthly bill for the past year or more, you've probably been upgraded to Globe Blue. You can call customer service to confirm. Once verified, you can start using 199 (instead of their usual CSR number) for any customer service concerns. This is a streamlined version of their IVR. Just two steps and you're routed straight to a Platinum CSR. Buy your rice in a neighbouring canderia before going to your fast food place of choice. Beer before whisky, very Risky. Whisky before Beer, never Fear. When you call the PLDT hotline 171, don't waste time navigating the IVR menu in the hopes of talking to a customer service agent. Go directly to "Billing Concerns" by pressing 2 at the first prompt, then ask to be transferred to an agent (landline or DSL). Once you get an agent, ask to be escalated to a supervisor since the agent can't do jack shit anyway. Ask the locals how to go to places and how much is the fare, don't ask the tricycle drivers as most likely they would give you tourist price. When you pay minimum fare in jeepney rides, always pay 7.00 (or is it 7.50) exact. Fare will most likely be charged as 8.00 if you hand 20 pesos or 10 pesos. Saves you 14%+ on your travel costs. ... and my favourite: If you drop your phone in water, put it in a bag of uncooked rice for a few hours. The rice will attract Asians who will fix your phone for you.
  6. How much do the Filipinos need to get those requirements to find a job? They need Medical clearance NBI clearance Barangay clearance Letter from the Mayor and what else? Are they all standard or differ province by province? Do they differ by job? Do the costs differ? How much is enough to give them to cover those "requirements" costs?
  7. be in Cebu Monday...still time to get to chase bank Saturday to pick up two grand. should I bring nice old bills or the fancy new $100 bills. don't want to confuse anybody or get turned down when I exchange for pesos. comments please....thanks jim.
  8. Knowdafish

    The Man Who Lives Without Money

    http://worldobserveronline.com/2013/10/04/man-lives-without-money/ Irishman Mark Boyle tried to live life with no income, no bank balance and no spending. Here’s how he finds it. If someone told me seven years ago, in my final year of a business and economics degree, that I’d now be living without money, I’d have probably choked on my microwaved ready meal. The plan back then was to get a ‘good’ job, make as much money as possible, and buy the stuff that would show society I was successful. For a while I did it – I had a fantastic job managing a big organic food company; had myself a yacht on the harbour. If it hadn’t been for the chance purchase of a video called Gandhi, I’d still be doing it today. Instead, for the last fifteen months, I haven’t spent or received a single penny. Zilch. The change in life path came one evening on the yacht whilst philosophising with a friend over a glass of merlot. Whilst I had been significantly influenced by the Mahatma’s quote “be the change you want to see in the world”, I had no idea what that change was up until then. We began talking about all major issues in the world – environmental destruction, resource wars, factory farms, sweatshop labour – and wondering which of these we would be best devoting our time to. Not that we felt we could make any difference, being two small drops in a highly polluted ocean. But that evening I had a realisation. These issues weren’t as unrelated as I had previously thought – they had a common root cause. I believe the fact that we no longer see the direct repercussions our purchases have on the people, environment and animals they affect is the factor that unites these problems. The degrees of separation between the consumer and the consumed have increased so much that it now means we’re completely unaware of the levels of destruction and suffering embodied in the ‘stuff’ we buy. Very few people actually want to cause suffering to others; most just don’t have any idea that they directly are. The tool that has enabled this separation is money, especially in its globalised format. Take this for an example: if we grew our own food, we wouldn’t waste a third of it as we do today. If we made our own tables and chairs, we wouldn’t throw them out the moment we changed the interior décor. If we had to clean our own drinking water, we probably wouldn’t shit in it. So to be the change I wanted to see in the world, it unfortunately meant I was going to have to give up money, which I decided to do for a year initially. So I made a list of the basics I’d need to survive. I adore food, so it was at the top. There are four legs to the food-for-free table: foraging wild food, growing your own, bartering and using waste grub, of which there far too much. On my first day I fed 150 people a three course meal with waste and foraged food. Most of the year I ate my own crops though and waste only made up about five per cent my diet. I cooked outside – rain or shine – on a rocket stove. Next up was shelter. So I got myself a caravan from Freecycle, parked it on an organic farm I was volunteering with, and kitted it out to be off the electricity grid. I’d use wood I either coppiced or scavenged to heat my humble abode in a wood burner made from an old gas bottle, and I had a compost loo to make ‘humanure’ for my veggies. I bathed in a river, and for toothpaste I used washed up cuttlefish bone with wild fennel seeds, an oddity for a vegan. For loo roll I’d relieve the local newsagents of its papers (I once wiped my arse with a story about myself); it wasn’t double quilted but it quickly became normal. To get around I had a bike and trailer, and the 55 km commute to the city doubled up as my gym subscription. For lighting I’d use beeswax candles. Many people label me an anti-capitalist. Whilst I do believe capitalism is fundamentally flawed, requiring infinite growth on a finite planet, I am not anti anything. I am pro-nature, pro-community and pro-happiness. And that’s the thing I don’t get – if all this consumerism and environmental destruction brought happiness, it would make some sense. But all the key indicators of unhappiness – depression, crime, mental illness, obesity, suicide and so on are on the increase. More money it seems, does not equate to more happiness. Ironically, I have found this year to be the happiest of my life. I’ve more friends in my community than ever, I haven’t been ill since I began, and I’ve never been fitter. I’ve found that friendship, not money, is real security. That most western poverty is spiritual. And that independence is really interdependence. Could we all live like this tomorrow? No. It would be a catastrophe, we are too addicted to both it and cheap energy, and have managed to build an entire global infrastructure around the abundance of both. But if we devolved decision making and re-localised down to communities of no larger than 150 people, then why not? For over 90 per cent of our time on this planet, a period when we lived much more ecologically, we lived without money. Now we are the only species to use it, probably because we are the species most out of touch with nature. People now often ask me what is missing compared to my old world of lucre and business. Stress. Traffic-jams. Bank statements. Utility bills. Oh yeah, and the odd pint of organic ale with my mates down the local.
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