The best exchange rate is when you withdraw without conversion (WITHOUT conversion). Many ATMs will ask you to accept their own converted rate, but that's a rip-off. As far as I remember, BDO machines don't do that.
Wise is really good. The fees are low and transfers are very fast.
Regardless of how you brew it, freshly ground coffee and fresh beans (roasted within the last 2–3 weeks) make the biggest difference.
I use a Smart SIM. 499 pesos for 21GB, no time limit. It's the best plan a local friend recommended to me.
You can choose any hospital in the program that's close to where you live. I use it every year for free checkups and free prescription medicine. However, to fully enroll, you have to go in person and get your first checkup at the hospital you picked, and the doctor needs to enter all the results into the YAKAP online system. For prescriptions, the doctor has to prescribe the medicine, enter it into the system, and generate a QR code, which you then use to get free medicine at participating YAKAP pharmacies. If any one of these isn't done properly, they won't cover the cost. Since it's a new program, many staff members aren't sure how it works yet, so be sure to communicate with the doctors and staff. Also: YAKAP is basically for outpatient care, while PhilHealth covers some minor outpatient procedures and all inpatient procedures.
Avoid Holy Week. The tourist spots, ports, and ferries are all way too crowded.
I already have a peso account here. What else would you need in the Philippines?
This is the right link! https://etravel.gov.ph
For starters, just put more trash bins around the city. Another simple thing is to stop automatically giving plastic bags for small purchases like a single candy or a bottle of cola. Give them when customers ask, but it shouldn't be the default. Even these simple changes would go a long way toward reducing littering and keeping the city clean.
It's not like he committed a crime, so you shouldn't get mad at the dog. If it were an indoor sofa it would be a problem, but this is outdoor furniture. You should test it under all kinds of weather conditions, and mud is part of the weather too.
Yes, there are Ukrainians, Georgians, and Armenians who speak Russian. There are Russians too. Slava Ukraini!
It's a bank account in the Philippines but in dollars. Having both is the best way to make the most of the exchange rate. I have both a peso account and a dollar account at BPI. I send large amounts from my US bank to my BPI dollar account. Since it's dollars to dollars, there's no exchange rate worry. Then I keep watching the current exchange rate. When the rate is high and favorable, I move part of the dollar account into my peso account at that high rate. Since both are BPI accounts, there's no middleman conversion fee. A third-party remittance app might have a decent rate, but there's a small fee on every transaction. Right now all my living expenses and withdrawals come out of my peso account. Even if the rate drops, the money was already converted when the rate was high, so I always get a good rate.
I cook Filipino food for my Filipino wife! Chicken adobo, kaldereta, dinuguan, sinigang, and my favorite is kare-kare with oxtail!
Why would you accept a COD order you never placed?
I've never had any problems with Filipino food. The **fish caught fresh right off the beach** was seriously the best I've ever had, including at high-end restaurants in North America and Europe. Healthy, fresh food -> sinigang, chicken tinola, pinakbet, etc. Local food -> sisig, lechon, adobo, kare-kare, etc. are all good. Common fast food -> Mang Inasal, Jollibee, McDonald's, and Chowking are decent. There are plenty of more upscale restaurants in big cities. There's everything from very healthy food to less healthy fast food.
Apply for free through the Philippine government (DSWD) Since you are currently in the Philippines, you can use the official cross-border system set up between the two countries. The Department of Social Welfare and Development (DSWD) acts as the central authority in the Philippines for these international claims. • How it works: When you submit a child support application to the DSWD, they handle legal review and document collection together with the University of the Philippines (UP) Legal Clinic. • Process: The DSWD sends the case directly to the U.S. Office of Child Support Enforcement (OCSS). The U.S. government then forwards it to the child support agency in the state where the father lives. • Paternity testing: If the father requests a paternity test, the U.S. state child support agency handles the legal process to order a DNA test. If he refuses, a U.S. court can legally enforce it. • Cost: Since it is a government-supported legal system, it is free or very low cost.
I started peeing in the sink and brushing my teeth with that pee.
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