Philippines Insider" The Ultimate Philippines Travel Guide for Tourists and Expats
Philippines Insider" The Ultimate Philippines Travel Guide for Tourists and Expats

Author Topic: Day-by-Day  (Read 57680 times)

Offline Lee2

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Re: Day-by-Day
« Reply #210 on: January 17, 2010, 10:16:58 PM »
Thanks for sharing the pictures Tom. You have a beautiful house and seemed to be truly blessed with good friends and some nice warm dogs.  ;D

There is no way you are going to move from that nice comfy house to Cebu, so like you said, maybe split your time like we do, at least for now for us.
:) Happily married since 1994 & live part of the year in Cebu and the rest in S. Florida.

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Re: Day-by-Day
« Reply #211 on: January 18, 2010, 12:43:38 AM »
Tom,
Great Xmas pics! Everything sure is big in Texas! Your traditional home looks like it\'s about 10,000 sq ft! My whole house can probably fit in your living room! ;D I can only dream of owning such a mansion of a house such as yours! Your are truly living the \"American Dream\"! The Philippine way of life here is in no way close to any comparison to what you have there in Texas!
The Philippines is OK for a visit 3 to 4 months out of the year, but to live here the rest of your life I don\'t know about for such a person as yourself! I wouldn\'t give up anything you have in Dallas if you don\'t have to, it\'s your roots and home town! Most of us expats live here in the Philippines by necessity because of the low cost of living and most of ours wives are from here! If I could afford to maintain a home in the U.S. too, I wouldn\'t stay here in the Philippines all year round, but we don\'t have that option due to our limited finances! It\'s possible, but it would be stretching ourselves thin and I would probably need a job again to just make ends meet!
Oh well, life isn\'t really all that bad here in the Philippines when I look at the overall picture! :)
Hey, I\'m Filipino and I\'m in my elements! I may not like it at times, but that\'s just the way life is, in a 3rd world country! :o              

Offline tom.inbigdtexas

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Re: Day-by-Day
« Reply #212 on: January 18, 2010, 09:10:04 AM »

There is no way you are going to move from that nice comfy house to Cebu...
 

The Philippine way of life here is in no way close to any comparison to what you have there in Texas!

I wouldn\'t give up anything you have in Dallas if you don\'t have to...


Art and Lee, thanks for the nice thoughts.

Like everyone, I wish all of my available choices in life were of my own choosing... rather than those bestowed by fate - or more bluntly... Sh#t happens ;D

Like many, many others, the economic collapses of 2000 and 2006 drastically rearranged my \"plans for the future\" - like they say, \"life is what happens while your planning for the future.\"

Now that I\'ve retired (several years earlier than I \"planned\"), and \"investment income\" from retirement funds is simply a bad joke, I cannot continue to maintain the same lifestyle as when I was working.  So, like for so many others, the question became... what do I do now?

For many years, we had planned to spend at least half our time in the Philippines after I retired so Bing could spend more time with her family than a couple of months every couple of years.  So, circumstances I did not plan for has simply sped up the process. 

Fortunately for me, I really enjoyed the Philippines, its culture and its people, and look forward to living there... and the lower cost of living will certainly help me preserve what I have left for retirement (interpretation - avoid going flat broke living in the US  ;D).

Art and Lee - Like the old \"grass is always greener\" saying - I envy what both of you have accomplished with your retirement plans.  You both have a nice lifestyle... and more importantly, have arranged things so that your circumstances are sustainable absent unforeseen events.  I enjoy my life right now... but without changes, I cannot sustain it.

As always, I look forward to a time when we can have a \"real visit\" (so you two can teach me the secret of how to \"Live in Paradise on a Dollar a Day.\"  ;D ;D  -- now I\'ve opened a can of worms... somebody will be telling me it doesn\'t cost anywhere near that much.  ;D)

Take care, my friends.

Tom in Big D   

   
Dallas, Tx, USA
Mactan, Cebu, PH

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Re: Day-by-Day
« Reply #213 on: January 18, 2010, 09:30:50 AM »
Tom, it is sad that you have to give up such an amazing lifestyle through no fault of your own, but I guess that is life. But as they say \'when one door closes another one opens\'  ;D

I was fortunate to have chosen to work for a company that had a good index linked pension. I did not know at the time just how valuable that would prove to be.

Colin

Offline tom.inbigdtexas

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Re: Day-by-Day
« Reply #214 on: January 18, 2010, 11:00:24 AM »
... as they say \'when one door closes another one opens\' 

I was fortunate to have chosen to work for a company that had a good index linked pension. I did not know at the time just how valuable that would prove to be.

Hi Colin,

Yeah, a few things went off the rails over the years, but I have no real regrets (professionally, that is  ;D, on a personal level, I could have done without a few of the divorces ;D).

I had the opportunity to work for myself for 34 years, and the real pleasure of helping many, many families who found themselves in tragic circumstances due to the fault of others, while providing a nice life for my family.  However, there was nobody to provide any pensions or benefits for me when I retired other than myself.

Of course, I planned ahead, saved throughout my whole life, invested wisely (uh, maybe not)... but didn\'t quite factor in a 50% drop in asset value along with investment earnings of Zero ??? at the very time a sustained economic collapse and credit crunch would compel me to shut down my firm... unless I wanted to fund its overhead out of my pocket (thanks, but no thanks).

But, like I said at first -- no regrets.  Early retirement and moving to the Philippines is like a breath of fresh air compared to trying lawsuits.  I think I like the \"door that opened\" better than the \"door that closed.\"  :)

Tom in Big D
Dallas, Tx, USA
Mactan, Cebu, PH

Offline Lee2

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Re: Day-by-Day
« Reply #215 on: January 18, 2010, 12:32:19 PM »
Tom I cannot teach anyone anything since my whole trick in life was to live way under my means and to take the safe route rather than try to make the big bucks on investing because everytime I did, I lost my shirt, so I learned not to invest in the market at an early age. So I guess only when I die will I know if that was the correct way to do things because I sure could have had a lot more money than I did but I also could have lost a lot more, and then taking jobs with pensions may have been the easy way out but being in the right place at the right time and making some of the decisions that seems to have turned out to be correct, means for me it was better to be lucky than smart.
:) Happily married since 1994 & live part of the year in Cebu and the rest in S. Florida.

Offline tom.inbigdtexas

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Re: Day-by-Day
« Reply #216 on: January 18, 2010, 01:05:17 PM »
Tom I cannot teach anyone anything

Don\'t kid yourself, Lee. You are already teaching me:

\"live way under one\'s means\"
\"take the safe route rather than try to make the big bucks\"
\"do not invest in the market\"
\"take jobs with pensions\"
\"be in the right place at the right time\"
\"make decisions that turn out to be correct\"
\"better to be lucky than smart\"

Someone should have told me sooner... but better late than never... and I\'m a good student. ;)

Tom in Big D
Dallas, Tx, USA
Mactan, Cebu, PH

Offline dylanaz

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Re: Day-by-Day
« Reply #217 on: January 18, 2010, 01:16:02 PM »
Tom I cannot teach anyone anything since my whole trick in life was to live way under my means and to take the safe route rather than...
That was my trick as well !

I built a new house in the boonies when I was an active Microsoft Certified Trainer working for CA.  It seems everyone and his brother lived like multi-millionaires - even thou they were only pulling in the low 100\'s.

Convertible mercedeses, new Corvettes, 24\' yachts, hobie cats the whole 9 yards...

I told my Director one day .. that if I could hustle up 1 million bux I would retire to the Philippines and relax forever ! He replied \"That would only buy me a few years...\"

I saw him last year when I went to go check on my house in the boonies... He said he heard I retired to the Philippines before I had originally planned and he SAID I was lucky.... Well-  he works cleaning carpets now and lives in a small rental apartment in Arizona.... the company laid off most of their middle-management with no notice.... coupled with a bad job market which makes it impossible to earn a living...  he probably wishes he had my place in the boonies now instead of that mansion, yacht and several new cars that were all lost !

So Lee... you made the right choice in living BELOW your means... !

\"better to be lucky than smart\"

I prefer smarts... thats what keeps me out of teh casinos to discover where my luck is that day !  ;D
I have seen so much conflict while in the Philippines - amazingly 99% of it was merely online computer experiences :D

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Re: Day-by-Day
« Reply #218 on: January 18, 2010, 03:41:09 PM »
Tom,
I look forward to seeing you being one of the many expats who will be joining us in the near future! I know your transition will be an easy undertaking, because you\'re ready for retirement and what it has to offer! Best of all wishes to your future endeavors here in the Philippines! ;D It only gets better! :)     

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Re: Day-by-Day
« Reply #219 on: January 18, 2010, 03:42:34 PM »
Tom,
I see your predicament and understand your situation now a lot clearer! Well, come and join us and be another expat retiree here in the Philippines, the more the merrier! This forum is truly an eye opener and really can help those in their anxious anticipated transition of living here full time! Hey, we all have one time thing in common, our Filipina wives does wear the pants in the family and that\'s the main reason why we are living where we are today or will be living in the near future for those that are still contemplating the move! ;D Nuff said in nutshell eh! :D      

Offline Lee2

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Re: Day-by-Day
« Reply #220 on: January 18, 2010, 07:34:21 PM »
I guess I was smart in some ways. I never did drugs and I do not drink most of the time, so I actually only drink to be social on occasion so I saved a bunch of money there over time, and I also never gamble, but to me that is part of not investing foolishly because slot machines and black jack are poor investments  ;) and I taught my wife not to gamble one $20 at a time so she too has  learned that gambling is like flushing money down the toilet even though she did win a $500 jackpot and then $200 one the first time I took her to Vegas on her birthday many years ago and that was for beginners luck and she knows that now. I also always bought the smallest house that would fit our needs and therefore saved a fortune on electric to cool or heat it and the costs to live in it, and in my later years always bought less expensive cars because I learned over time that a car gets you for point A to point B no matter how much it cost, so as long as it is not a death trap then less is better. But I too suffered a messy divorce that cost me a bundle and I was cash poor right after it and knew I had to work hard to get back up from down and that was when I learned that the property I had was the best thing to have owned and I suspect that as long as Tom did not buy that house in the last few years then he will clean up when he does sell it (not as good as a few years ago but still much more than he paid) and have a nice nest egg there, yet it is very hard to go from big to small and not as hard for me to have gone from average to smaller which is what I have learned to do over time. I guess what it all boils down to is that I have always looked at the overall costs of living in a place, the maintenance, what the electric should be, the taxes, etc and I try to find a place where all that will be way below my income for the present and for the foreseeable future because I learned early on that sh*t happens as it has happened to me plenty of times during my life too and I never want to be back in that position again since I came close to losing my first house early on in my life, which BTW turned out to be a very good lesson for my future.

So as I said, lucky is better than smart but I guess it also entails making some choices along the way that end up being the smart ones even when I never planned them to be and maybe they were subconscious moves, and believe me that I have made plenty of stupid ones too and especially when it came to jobs and I could have done a lot better had I stayed with earlier ones and ended up with a lot less aggravation along the way to my retirement. I feel that we all learn from the cradle to the grave, as long as we are open to learning and never think we know it all.
:) Happily married since 1994 & live part of the year in Cebu and the rest in S. Florida.

Offline tom.inbigdtexas

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Re: Day-by-Day
« Reply #221 on: September 22, 2010, 03:42:42 AM »
Filipino \"Good Old Days\" memories??

I was just sitting here looking through some of the pictures of my nieces from the above posts... and feeling \"old as dirt,\"... and I began to wonder what type of memories older Filipinos have of the \"good old days.\"

Then I began to wonder if some of my memories of the \"good old day\" may still be \"today\" in the RP??  That would be ironic... retire to my childhood  ;D

As a child we did not \"eat out,\" -- we ate at a place called \"at home.\'\'
Mom cooked every day, we sat down together at the table, and if I didn\'t like what she put on my plate I was allowed to sit there until I did like it.  I had to have permission to leave the table.

My parents built their own house on land my grandparents gave them next door to them, never wore a pair of new store bought Levis, never set foot on a golf course, never traveled out of the country, never had a credit card.

My parents never drove me to soccer practice--- because we never had heard of soccer.

My bicycle felt like it weighed about 50 pounds, and only had one speed...slow.

We didn\'t have a television in our house until I was a teenager.  Black and white and the station went off the air at midnight, after playing the national anthem, then showed a test pattern until 6am... when a locally produced news and farm show would magically come on.  If you had two channels, you changed them by going outside and turning the antenna by hand.

I was 21 before I ate my first store-bought pizza.

Their was only one phone in the house... a party line... before you could dial, you had to listen and make sure some people you didn\'t know weren\'t already using the line... if they were, you could listen in on their conversation... which our next door neighbor did to us constantly.

Pizza delivery did not exist, but milk was delivered and left on our doorstep... in re-usable glass bottles with cardboard stoppers.

Movie ratings did not exist... because all movies produced were for everyone... with little profanity or violence or most anything else which might be considered offensive.

My Mom used an old Royal Crown Cola bottle with a stopper with a bunch of holes in it.. to \'sprinkle\' clothes with because we didn\'t have steam irons.

The \"clothes dryer\" was a wire stretched between two trees.

We had a real \"ice box\"... a few rich folks had refrigerators.

Some cars had turn signals, but few had air conditioning, so most people used hand signals for turning.

My Dad would buy me \"candy cigarettes\" as a real treat.

The only coffee shop/diner in town had booths with tabletop jukeboxes.

Boys put \"butch wax\" in their hair to make their \"flat top\" stand up.

Mom saved S&H greenstamps to get \"extras\" that we could not afford.

If you had a freezer in your house, you had to be careful or your hand would stick to the metal ice trays with a lever, then you had to run water on your hand and the tray to get loose... God forbid, don\'t tell your younger brother or sister to lick one  ;D

On hot summer nights, all over town you could hear the sound track of the movie playing at the drive-in... the same movie for several weeks.

I wonder what my nieces will remember 40 years from now as the \"good old days?\"

I hope a few of the things my asawa and I are able to do for them make it into their \"good old days\" memories. :)

Tom in Big D

Dallas, Tx, USA
Mactan, Cebu, PH

Offline dylanaz

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Re: Day-by-Day
« Reply #222 on: September 22, 2010, 06:49:20 AM »
Filipino \"Good Old Days\" memories??

I was just sitting here looking through some of the pictures of my nieces from the above posts... and feeling \"old as dirt,\"... and I began to wonder what type of memories older Filipinos have of the \"good old days.\"

Wow nice read - thx for sharing.... I recall about 3 of those...

darn... that means I am older than I actually am too :P

If that even made sense ! heheh
I have seen so much conflict while in the Philippines - amazingly 99% of it was merely online computer experiences :D

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Re: Day-by-Day
« Reply #223 on: September 22, 2010, 08:37:13 AM »
Filipino \"Good Old Days\" memories??

I was just sitting here looking through some of the pictures of my nieces from the above posts... and feeling \"old as dirt,\"... and I began to wonder what type of memories older Filipinos have of the \"good old days.\"

Then I began to wonder if some of my memories of the \"good old day\" may still be \"today\" in the RP??  That would be ironic... retire to my childhood  ;D


I remember all of those with minor variations from the UK from almost 70 years ago  :(

Makes you think, and wonder just how rapidly time passes.

I don\'t believe \'the good old days\' apply in the Philippines any longer. For example, I used to make my daughters ask permission to leave the dining table, but here they just wander around when they are eating. Two of the brothers kids talk with their mouth full of food, just copying their mother. I really dislike that and wish I could stop it.

Colin

Offline GregW

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Re: Day-by-Day
« Reply #224 on: September 22, 2010, 08:41:37 AM »
Yes, I remember those as well. 

Now about that clothes dryer.  I also remember \"ringer\" washing machines.  No rinse cycle so the clothes were wrung by turning a crank that pulled them through a pair of rollers. Then you could hang them up to dry.
Ako si Goyo.   Amerikano akong lawas pero Bisaya akong kasing-kasing