Living In The Philippines Forum

Living in The Philippines => Expat life in Philippines => Topic started by: on August 23, 2008, 09:55:17 AM

Title: Anyone change a P500?
Post by: on August 23, 2008, 09:55:17 AM
One of the strangest things I have encountered in my 2 years here to date is \'change\'! Not change as in things staying the same but breaking P500 or P1,000 notes for smaller ones. I get my money as needed from the ATM. It only pays out in P500 or P1,000 notes. Now in the UK (I guess the same in US) I would just call at my local corner shop or Petrol (Gas) station & either just ask them to break the note up or by an item of small value.

Not here. No shops (SM excluded) have change, in fact they ask you for change. It is a constant battle to keep small notes in my pocket because everything seems to require P20 or P50 or P100 and I just end up with my 500\'s again. I get that most locals don\'t get to use large notes earning a few hundred a day but plenty get wages from ATM\'s as well.

Is it just me or do you have the same problem & anyone found an easy work around?
Title: Re: Anyone change a P500?
Post by: on August 23, 2008, 10:50:31 AM
One of the strangest things I have encountered in my 2 years here to date is \'change\'! Not change as in things staying the same but breaking P500 or P1,000 notes for smaller ones. I get my money as needed from the ATM. It only pays out in P500 or P1,000 notes. Now in the UK (I guess the same in US) I would just call at my local corner shop or Petrol (Gas) station & either just ask them to break the note up or by an item of small value.

Not here. No shops (SM excluded) have change, in fact they ask you for change. It is a constant battle to keep small notes in my pocket because everything seems to require P20 or P50 or P100 and I just end up with my 500\'s again. I get that most locals don\'t get to use large notes earning a few hundred a day but plenty get wages from ATM\'s as well.

Is it just me or do you have the same problem & anyone found an easy work around?


Keith, no it is not just you, we get exactly the same problem. What also surprises me is that the local supermarket often does not seem to have change in their tills either. Bing will often ask me for any change that I have got, which then leaves me trying to change a P500 note the next time I purchase something ;D

Colin
Title: Re: Anyone change a P500?
Post by: John Amend-All on August 23, 2008, 01:21:02 PM
Yes, same problem hereabouts. Our workaround is to get all our monthly cash requirements from the bank. We don\'t use ATMs and when in the bank we can at least request 100 and 200 peso notes, leaving the larger denominations for the big bills. My wife carries all the cash in a moneybelt until it is locked up at home.

The thing that amuses me is receiving those little candies for odd centavos of change.

John
Title: Re: Anyone change a P500?
Post by: coutts00 on August 23, 2008, 02:53:20 PM
As I run a store, we have a policy actually its my courtesy policy, the purchase must equal 10 % of the value of the big bill or sorry we have no change, at 6 am in the morning some bright spark will come in with a 500p or 1000p note and buy 20p worth of phone load and expect change for his jeepney ride, it takes me 12 hours to build up enough change and by the middle of the next day it is gone. We lose customer when we don\'t have change but now most know I won\'t just change their money for them, so in some way its all my fault you guys are having problems. Its the snowball effect, when I stopped doing it, everyone else stopped doing it.

My advise go to a business that handles a lot of big transactions, the hardware store or the grocery, go to the customer service desk and ask if they could change a bill for you, you should have no problems.
Title: Re: Anyone change a P500?
Post by: dylanaz on August 25, 2008, 06:17:44 AM
Thats exactly what I do....

When I get those 500 or 1000 bills I buy something in SM Supermarket or a big place... even McDonalds if you have to.

Yes... EVEN THEY will ask if you have smaller bills... I just say NO... because if McDonalds doesnt have change... who else WILL ????

Even if the little guys have change... dont bother them... Like C said... it can take them a long time to have enough for the next customer...

Title: Re: Anyone change a P500?
Post by: michael16136 on August 25, 2008, 08:58:04 AM
In the US and Europe, most (perhaps all) retail establishments start the day with a specific amount in the till. Here, since no one trusts anyone with any money, they start out with zero in the till and wait throughout the day to accumulate money that can be used for change. I do not make any particular effort to carry small bills, and when a clerk tells me there\'s no change, I just walk out, figuring that it\'s not my job to make sure that the store can transact business.
Title: Re: Anyone change a P500?
Post by: dylanaz on August 25, 2008, 08:41:43 PM
In the US and Europe, most (perhaps all) retail establishments start the day with a specific amount in the till.

True... you probably dont see any different unless you go somewhere like Detroit, Queens, Central LA etc... many stores in those places had signs out when I visited \"NO BILLS LARGER THAN $20 ACCEPTED\"

Same here... just ... they dont have signs out    :D
Title: Re: Anyone change a P500?
Post by: BenK on August 25, 2008, 09:57:04 PM
The easiest way to get around that for me is just to get an odd amount of cash out of the ATM, like 1,400, that way I get some 100\'s. If I keep bills smaller than that in my wallet, Mrs. Sticky-Fingers tends to help herself, but I guess 100 is the threshold for checking with me first.
Title: Re: Anyone change a P500?
Post by: on August 25, 2008, 10:07:52 PM
The easiest way to get around that for me is just to get an odd amount of cash out of the ATM, like 1,400, that way I get some 100\'s. If I keep bills smaller than that in my wallet, Mrs. Sticky-Fingers tends to help herself, but I guess 100 is the threshold for checking with me first.

I always give the 20\'s and 50\'s to Bing because they are usually so dirty and screwed up that I don\'t want them in my wallet. I particularly like the ones you get from fish and meat markets ... ugh!

Colin
Title: Re: Anyone change a P500?
Post by: coutts00 on August 25, 2008, 10:39:44 PM
You like the ones you get from the fish and meat markets? Why?

Wayne
Title: Re: Anyone change a P500?
Post by: on August 26, 2008, 07:59:31 AM
You like the ones you get from the fish and meat markets? Why?

Wayne

That was an attempt at sarcasm, it never works and I should stop doing it.

In some of the open markets I have been to where you get the women gutting fish and hacking up large chunks of meat, they all seem to have a large Bum Bag full of screwed up notes that remind you where they came from long after you have left.

Colin
Title: Re: Anyone change a P500?
Post by: on August 26, 2008, 08:56:25 AM
You like the ones you get from the fish and meat markets? Why?

Wayne


That was an attempt at sarcasm, it never works and I should stop doing it.

In some of the open markets I have been to where you get the women gutting fish and hacking up large chunks of meat, they all seem to have a large Bum Bag full of screwed up notes that remind you where they came from long after you have left.

Colin


Colin,

Your sarcasm gland is fully functional  ::) I bet all the Brits got that one  ;D and remember:

(http://i301.photobucket.com/albums/nn76/uzicom/sarcasm.jpg)
Title: Re: Anyone change a P500?
Post by: donstruan on September 06, 2008, 12:39:22 AM
For the wife and I, it becomes a little game. We both store three types of denominations. The big bills are stored in a safe spot, then we have the 100\'s and lesser, and finally the heavy and cumbersome coins. I\'m sure it also makes it harder for all of our money to be robbed, God forbid.

Even if I have plenty of 20\'s-100\'s, I will always try to use a 500P bill when the purchase warrants it, like at a restaurant. After a few days with 3 or 4 purchases, you should have plenty of change.

I don\'t even think about using a 500 or 100 peso bill at smaller places. There\'s no point.
Title: Re: Anyone change a P500?
Post by: oscar on September 06, 2008, 03:30:00 PM
 ;D

This problem I always have with taxi´s, no change.

I once paid in Jollibee with 1000, the girl said, full of respect: sir, that is a lot of money.

Once I lost 4 x 1000 peso bills in a taxi. I think I made the taxi driver a happy man !!



Title: Re: Anyone change a P500?
Post by: Steve & Myrlita on September 06, 2008, 10:11:03 PM
;D

This problem I always have with taxi´s, no change.

I once paid in Jollibee with 1000, the girl said, full of respect: sir, that is a lot of money.

Once I lost 4 x 1000 peso bills in a taxi. I think I made the taxi driver a happy man !!




Most taxi drivers especially in Manila & Cebu in the middle or end of their work day will definitely have change for a P500. It\'s mostly a matter of whether or not he wants to change it. They will try to say no in hopes the \"Rich Foreigner\" will let him keep the change. Some actually expect the foreigner to pay 5x more. Stay on your toes. Many are honest but some are not.
Title: Re: Anyone change a P500?
Post by: michael16136 on September 07, 2008, 01:44:20 PM
I do not as a rule take taxis in Davao, since I have a car here and pretty much drive anywhere I need to go. In Manila and other areas however, where I do take taxis, when the taxi driver tells me he has no change, I ask always if the ride is then free.  Somehow, he always manages to find the change. Must be a miracle!
Title: Re: Anyone change a P500?
Post by: trevor on September 08, 2008, 07:57:50 AM
Hi all,While we are on the subject of money. I have a quick question. How do you guys secure your money and other valuables at home? Does anyone have a safe, or a strong box with lock and key?
Reason i ask this is because we had some negative experience while we were there the last time.

Trevor
Title: Re: Anyone change a P500?
Post by: on September 08, 2008, 08:34:15 AM
Hi all,While we are on the subject of money. I have a quick question. How do you guys secure your money and other valuables at home? Does anyone have a safe, or a strong box with lock and key?
Reason i ask this is because we had some negative experience while we were there the last time.

Trevor

We keep just enough money for daily use, and the rest stays in the bank until we need it. Our house, like a lot of Philippine, properties is well protected. Every window has iron bars, including the porch which also has lockable iron gates. The house is surrounded with a high wall with spikes on top with double metal gates for the car. Being friendly with the neighbours also helps.

Colin
Title: Re: Anyone change a P500?
Post by: Flt Simulation on September 08, 2008, 08:46:39 AM
trevor ...

I don\'t have a safe in my house. I live in a secure gated community and we don\'t have house robberies here.

However, when I was single and coming to the Philippines for vacations, I of course would stay in hotels. Back then I would always select a hotel that had either a room safe or at least a safe at the front desk I could put my money and passport in. Your pretty safe doing it this way.

I used to hear of guys that would get money stolen from there hotel rooms, but in many cases, it was found out that it was not the hotel staff stealing money, but the girl the guy picked up in a bar and had in his room for the night ... In other words ... in \"inside job\".

Maids are also known to steal money you have laying around in your house, so that is something to consider when living here ... My wife says we don\'t need a maid, so I don\'t have to worry about that. I can\'t give you any advice on how to hire an honest maid (I have no idea).

I guess that if my house was not as secure as I would like, I would get a small safe for the house ... but the safe also needs to be secure so they don\'t take the whole thing with them.

Good luck,
Ron
Title: Re: Anyone change a P500?
Post by: trevor on September 08, 2008, 09:15:19 AM
Thanks guys for the response. Well we have our house in a family compound with three other houses close.
I know it was an inside job from a trusted family member. Which really shocked me. Because we are very generous to the family, but this one individual think that it was their right to help themself of our belongings without given permission. Only found out who it was after my wife treathen to call a family meeting and have a lie detector test done. Then this individual confessed and ask for forgiveness.
Wife let her keep the money but she will never set foot in our house again. Living there is just a temporary thing for us as we plan to buy a house far away.  We will keep our money in the bank from now on.

Trevor
Title: Re: Anyone change a P500?
Post by: fred on September 08, 2008, 11:18:23 AM
Quote
Our house, like a lot of Philippine, properties is well protected. Every window has iron bars, including the porch which also has lockable iron gates. The house is surrounded with a high wall with spikes on top with double metal gates for the car. Being friendly with the neighbours also helps.

Colin

How many quick exits are there in case of fire etc?
I have read of a number of stories when whole families have burned alive because they were caged in like that..Pretty horrific stuff.
Title: Re: Anyone change a P500?
Post by: RUFUS on September 08, 2008, 11:26:34 AM
if you build your house out of concrete and metal, the chances of it burning down are pretty slim...IMO
Title: Re: Anyone change a P500?
Post by: michael16136 on September 08, 2008, 12:41:21 PM
I have of course a lockable gate and the house is surrounded by walls. But no bars on the windows. Instead, a 60 kg. Great Dane who stands about 6\'0 on his hind legs and of whom those who pass the gate and see him are terrified. It works for me.
Title: Re: Anyone change a P500?
Post by: on September 08, 2008, 02:25:31 PM
if you build your house out of concrete and metal, the chances of it burning down are pretty slim...IMO

Furniture, clothes, furnishings, beds, bedding etc etc all flammable  ??? Hmm house survives, contents & occupants burnt to a crisp  :o I think I will stick with a good escape route  8) ;)
Title: Re: Anyone change a P500?
Post by: on September 08, 2008, 02:34:19 PM
Hi all,While we are on the subject of money. I have a quick question. How do you guys secure your money and other valuables at home? Does anyone have a safe, or a strong box with lock and key?
Reason i ask this is because we had some negative experience while we were there the last time.

Trevor

We keep just enough money for daily use, and the rest stays in the bank until we need it. Our house, like a lot of Philippine, properties is well protected. Every window has iron bars, including the porch which also has lockable iron gates. The house is surrounded with a high wall with spikes on top with double metal gates for the car. Being friendly with the neighbours also helps.

Colin

Colin,

Sorry but that is one of the reasons we chose to live where we do in a gated community. No high walls & most houses don\'t have bars either & in 2 years of being here only some small petty crimes as with any community anywhere.

I couldn\'t live in an area where I felt so unsafe as to need the defensive precautions you have. It would feel like living in a prison of my own making.

I agree with only having enough money in the house for day to day expenses & pay for the weekly shop at SM with my debit card.
Title: Re: Anyone change a P500?
Post by: Flt Simulation on September 08, 2008, 02:52:56 PM

Sorry but that is one of the reasons we chose to live where we do in a gated community. No high walls & most houses don\'t have bars either & in 2 years of being here only some small petty crimes as with any community anywhere.

I couldn\'t live in an area where I felt so unsafe as to need the defensive precautions you have. It would feel like living in a prison of my own making.

UZI ....

I agree with you 100%. I live in a secure gated community, and I don\'t even see bars on the windows here.

However, I have seen neighborhoods over here that have steel bars on all the windows, barbed wire, razor wire or broken glass on top of the fence and even a steel bar going across the inside of the front door when it\'s closed ... If I had to live like I was in a prison camp or the county jail, I would seriously consider moving.

If explosives were not illegal in this country, I would imagine that some folks would be lining the perimeter of there house with land mines too!  ;D ... joke lang

Title: Re: Anyone change a P500?
Post by: on September 08, 2008, 03:18:14 PM
Hi all,While we are on the subject of money. I have a quick question. How do you guys secure your money and other valuables at home? Does anyone have a safe, or a strong box with lock and key?
Reason i ask this is because we had some negative experience while we were there the last time.

Trevor

We keep just enough money for daily use, and the rest stays in the bank until we need it. Our house, like a lot of Philippine, properties is well protected. Every window has iron bars, including the porch which also has lockable iron gates. The house is surrounded with a high wall with spikes on top with double metal gates for the car. Being friendly with the neighbours also helps.

Colin

Colin,

Sorry but that is one of the reasons we chose to live where we do in a gated community. No high walls & most houses don\'t have bars either & in 2 years of being here only some small petty crimes as with any community anywhere.

I couldn\'t live in an area where I felt so unsafe as to need the defensive precautions you have. It would feel like living in a prison of my own making.

I agree with only having enough money in the house for day to day expenses & pay for the weekly shop at SM with my debit card.

Keith,

This is a rented house, I did not make it that way. However, the house we rented in Ayala Alabang was exactly the same and you could not get a more secure gated community than that. I will not go that far when I build my own house, I will just have a guard with an Uzi at the front gate  ;D ;D ;D ;D

I have never felt unsafe in living in the Philippines, and not felt the need to live in a gated community.

Colin
Title: Re: Anyone change a P500?
Post by: on September 08, 2008, 03:28:33 PM
Quote
Our house, like a lot of Philippine, properties is well protected. Every window has iron bars, including the porch which also has lockable iron gates. The house is surrounded with a high wall with spikes on top with double metal gates for the car. Being friendly with the neighbours also helps.

Colin

How many quick exits are there in case of fire etc?
I have read of a number of stories when whole families have burned alive because they were caged in like that..Pretty horrific stuff.

Fred,

This bungalow has 3 exits, the front door, a side door through the dirty kitchen and a rear door through the maids room.

The house we rented in Ayala Alabang was more of a problem. There were 4 exits downstairs, but all the hinged upstairs bedroom bars were jammed solid with rust and paint and there were no keys for the padlocks. We had to get the owner to free them plus all the opening windows in the house.

Colin
Title: Re: Anyone change a P500?
Post by: on September 08, 2008, 04:43:20 PM
Quote
Keith,

This is a rented house, I did not make it that way. However, the house we rented in Ayala Alabang was exactly the same and you could not get a more secure gated community than that. I will not go that far when I build my own house, I will just have a guard with an Uzi at the front gate  ;D ;D ;D ;D

I have never felt unsafe in living in the Philippines, and not felt the need to live in a gated community.

Colin

Colin,

Good for you mate! I get what you mean with rented. For me, there is too much paranoia here over house security. A neighbours house recently was being rented & the renters couldn\'t get the key to work because the lock was so dry. We tried all sorts to get in, including using a hammer to try & break a small window to no avail. Ended up with a worker taking 30 mins of patient fiddling with bent wire (like locked out of car) to get a window latch to open.

Decent doors & windows with proper locks plus outside sensor lights is enough. As in the UK, most burglaries are opportunistic.
Title: Re: Anyone change a P500?
Post by: RUFUS on September 09, 2008, 02:47:51 AM
if you build your house out of concrete and metal, the chances of it burning down are pretty slim...IMO

Furniture, clothes, furnishings, beds, bedding etc etc all flammable  ??? Hmm house survives, contents & occupants burnt to a crisp  :o I think I will stick with a good escape route  8) ;)

The vast majorities of household fires are started by wiring or in the kitchen , so I recommend that all your furnishings be also made from concrete and metal and your beddings and clothings be made from nomex... problem solved no crispy people ;D
Title: Re: Anyone change a P500?
Post by: on September 09, 2008, 06:10:31 AM
if you build your house out of concrete and metal, the chances of it burning down are pretty slim...IMO

Furniture, clothes, furnishings, beds, bedding etc etc all flammable  ??? Hmm house survives, contents & occupants burnt to a crisp  :o I think I will stick with a good escape route  8) ;)

The vast majorities of household fires are started by wiring or in the kitchen , so I recommend that all your furnishings be also made from concrete and metal and your beddings and clothings be made from nomex... problem solved no crispy people ;D

Rufus,

I just KNEW you had a sensible solution to this problem  ;D ;D ::) ;)
Title: Re: Anyone change a P500?
Post by: donstruan on September 11, 2008, 04:23:38 AM
You can always ask the burglars if they have change for a 500P bill. he he

I never liked the idea of having so many bars and walls obstructing the view and creating a hazard, but it has its benefits. Even with a ten foot wall with broken glass and barbed wire, and metal bars on the windows, my wife was awakened by a thief stealing her cellphone with a wooden contraption through the window. I wasn\'t in country, but luckily nothing else happened.

There are too many people loitering, too many isolated areas, too many opportunities and not enough competent police forces there.
Title: Re: Anyone change a P500?
Post by: coutts00 on September 11, 2008, 05:17:10 AM
Although we have bars on our lower level we have none on the bedroom level upstairs, there is no roof access for them to climb on to get access and then there is our really noisy dog. When people are around he barks, all of the time, but at night when we are asleep he is quiet, but if someone comes within his territory he will let them and us know very quickly, he is well fed and exercised and does not accept treats from strangers. So if someone came over the fence we would know about it as soon as their feet hit our property. Sometimes we are alerted when a sister in law tries to sneak in at night after returning from a gathering past the time the gates are locked, and is heard telling the dog to be quiet, so far it has not worked for her, I doubt it would work for anyone else. Basset Hounds have a bark that is low, long and loud, he does not speak askal, and therefore when other dogs are barking he does not join in, this works very well for us.
Title: Re: Anyone change a P500?
Post by: wheels92083 on September 11, 2008, 07:31:10 PM
if you build your house out of concrete and metal, the chances of it burning down are pretty slim...IMO

Furniture, clothes, furnishings, beds, bedding etc etc all flammable  ??? Hmm house survives, contents & occupants burnt to a crisp  :o I think I will stick with a good escape route  8) ;)

The vast majorities of household fires are started by wiring or in the kitchen , so I recommend that all your furnishings be also made from concrete and metal and your beddings and clothings be made from nomex... problem solved no crispy people ;D

See now I figured you for a Red Horse sprinkler system