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You are here: Home / Archives for financial

May 21, 2015 by feyma

Dear Feyma: Needs advice on cheating husband!

Dear Feyma - Got a Problem?  Ask Feyma!
Dear Feyma – Got a Problem? Ask Feyma!

Hi readers I got this email from a reader on my other blog. She emailed me privately and asking some advice for her niece’s problem. To be honest I just don’t know what to tell her. I am asking you guys’ advice on what to tell her. I’ve seen and heard too many stories of cheating spouses. I want you guys’ input to what I should advise and tell this lady on what to do. Some of the words in the emails were written in Tagalog. I tried to interpret in English as good and as accurate as possible.

Dear Feyma, I’m a reader of some of your blog. You don’t know me. But I will introduce my self. My name is Mindy. My family lives in Northern Luzon. I am an OFW in Kuwait. I am writing and needing advice for my niece. She lives there in the Philippines. She has been married to her husband for over 5 years now. They had a baby last year. Her husband is a seaman. He travels abroad, works on a ship.

My niece was shocked when her husband came home last March 2015. He didn’t give any money to my niece. He told my niece that he wants to separate. My niece asked him to just stay for their daughter’s sake. The husband don’t want to be married anymore. My niece told me that when her husband started going abroad his family said bad things about my niece. Her husband got help in going abroad financially from the parents of my niece. When my niece give birth to her baby the Papa & Mama of my niece paid the hospital and other bills, until now the husband did not pay them. After the husband went abroad many times, they bought house and car. My niece wants to sell the house and car and all the other properties now that he wants to separate. The husband told my niece that she won’t get anything. He even get all the jewelries and electronics gadgets that he gave to my niece. 

It turns out now that the husband is having a relationship with the working student that was helping my niece while she was pregnant. That working student was sent by the parents of the husband. My niece found out the relationship when she accidentally open the private email of the husband because they share a laptop. The husband forget to log out. My niece saw all the emails. He denied but my niece showed him the email. He still denies. The husband abandoned the baby now.

My niece was just so shocked that she doesn’t know what to do. What should my niece do? Salamat sa payo (advice). I will just wait for your reply. Sincerely, Mindy.

Honestly I’ve been hearing too many stories like this. It even happened to our neighbor before it’s the lady that works abroad, similar situation the lady went abroad to work in the Middle East. When she gets home the husband already had someone on the side, so they separate went back abroad and later the lady end up marrying an OFW that she met there in the Middle East. Others too, the lady who works abroad found someone there (abroad) and later the lady will separate to the husband here and she moves in later to her lover abroad.

Too many stories that probably you hear or it happens to someone you know. I want to hear what would you guys advice if it happens to someone you know? I will pass you guys message to Mindy.

I really appreciate any advice given to Mindy or to those readers that were just shy to share here.

Filed Under: Daily Life, Expats, Family, Feyma, Filipino Culture, financial, Live in the Philippines, Living in The Philippines, Relationships Tagged With: Gifts to the Philippines, Live in the Philippines, Web Magazine, WowPhilippines

January 8, 2015 by feyma

Dear Feyma: Feeling sorry!

Today, I have another installment in my “Dear Feyma” series which I have been featuring on this site for some time, whenever I have a question from a reader that I feel should be shared with the site readers.

“Dear Feyma, I am Filipina who works in Kuwait for a long time. I came home in the Philippines for 3 months now. I am not sure if I will go back soon. I am thinking of taking care of my 2 kids and want to start a business here. I saved some money for our future. I will help my husband on our small farm. 

By the way, I am not writing regarding my problem. I want to share with you of how stupid or no nothing at all (walang kaalam-alam in Tagalog), I saw on TV, they said naive. I saw that you wrote about “A Friendly Advice“. I don’t comment, I’m just an avid reader of your blog. Keep up of what your doing. 

The young girl, our neighbor she’s like 20 years old, having a relationship with foreigner. For me, okay lang. I am bothered when the lady takes all the money of the foreigner and spends it for partying and clothes. The foreigner told one of the family member that he don’t have much money, but the lady don’t listen, she continue her partying. Being young so she party and spend the money with not important things.

I read I think from your blog a long time already about foreigners problems with girlfriends here in Pinas? You know, if they know already problems like that happened before why they still give money to the girl?

I hope that foreigners open their eyes. Thank you for reading my email… Maraming Salamat, Elly“

Dear Feyma...

Dear Feyma…

Thank you for writing Elly. To be honest, what you’ve described on your email keeps happening. The problem, the foreigners, no matter how good any blogs in the world were written about be very careful not to be scammed. Some foreigners will never listen, some won’t. We’ve been advising people that emailed and asked us and we even made lots of posts regarding that same topics. They will do what they thought was best for them. Later we found out that they’ve lost almost all their money. Really the best thing for those people would be for them to learn their lesson the hard way. It might be harsh for me to say this. Let them lose all what they have for them to learn. You know what I mean?

Hey, we’ve been advising certain foreigners that we cared about. It’s just a waste, they will say what the lady did to us and at the end he was against us because we said what we think. So for you Elly, if the foreigner wants an advice from you, try not to say anything to him at the end he might blame you because of the advice you gave him. Been there, done that. Been burnt. Not again…

That’s another cycle for the foreigner that’s hard to break. I just hope to some foreigners that they will just accept the loss and move on. Don’t be drinking and be violent here. Being in jail is the last thing a foreigner wants here. I’ve seen the jailhouse in the Philippines: Ain’t pretty you guys.

Thank you again Elly for the email. You open my Dear Feyma again. I appreciate your courage to write. If you ever travel to Kuwait again, have a safe trip there. Good luck to you!

Have a blessed 2015 Everyone!!!

Filed Under: Daily Life, Expats, Feyma, Feyma Martin, financial, Live in the Philippines, Living in The Philippines, Relationships Tagged With: Gifts to the Philippines, Live in the Philippines, Web Magazine, WowPhilippines

December 18, 2014 by feyma

Banking days during the holiday season through early next year!

Well, Christmas is just around the corner. Just got done helping Bob with his gig as the Santa for one of the companies here in the Philippines. Now, we are getting so busy with our other on-line businesses, which means we are needing cash for every time we go to buy what we need for the orders. So it means to say also that I had to go make a trip to the bank or ATM (automated teller machine) here. We do have local and international cards.

I just saw someone posting something on Facebook about the banking days here in the Philippines during the holidays. Looking at it, it didn’t look good though. For us anyway who depend on our income through the ATM. From December 23 to January 4, theirs just 1 day that the banks will be open. The rest of the days were weekends and paid holidays that were declared by the government. My gosh for us people that live through ATM it will be a problem. They might not (likely they won’t) put enough money in the ATM machine, or keep it refilled during the holidays. I’ve seen too many people in line for it. During the holidays I’m pretty sure nobody will fill the machine again.

Calm Cash

Just last week the ATM machine that I go to most of the time didn’t refill the machine over the weekend when they were out of money. I went Monday early morning. When I got there, the guard said that they might fill the machine at 9 am that day. So I went again at 9 am, as soon as I got there the guard informed me again that they’re still working in the machine and they also had the thorough check of the machine and it might be ready that afternoon. So instead of going back that afternoon, I went the following day instead, the machine was working but the guard informed me that all through the week the bank will continue on on checking thoroughly with the machine (maintenance time). So they said they might have the machine be out of service anytime too. Which means it’s a bit hassle going through and looking for another ATM. I just can’t believe that they are thoroughly checking and repairing the machine this time of the year and it’s busy time for their machine. Too many people withdrawing money. I’ve seen other foreign nationals withdrawing money there and they will be in the machine for awhile stocking up. :-)  Just in my opinion they should do the maintenance around October or early November. Just a thought anyway.

With in this week expect long lines on the atm or the bank. Have you seen the off days of the bank after the 23rd of December?

Here’s what I know so far:

December 24, 2014, Wednesday –  Additional Special Non-Working Holiday, bank closed

December 25, 2014, Thursday – Christmas Day – Regular Holiday, bank closed

December 26, 2014, Friday – Additional Special Non-working Holiday, bank closed

December 27, 2014 – Weekend, bank closed

December 28, 2014 – Weekend, bank closed

December 29, 2014 – Only day banks open

December 30, 2014 – Rizal Day – Regular Holiday, bank closed

December 31, 2014, Wednesday – New Year’s Eve (Special Non-Working Day), bank closed

January 1, 2015, Thursday – New Year’s Day, bank closed

January 2, 2015, Friday – Additional special non-working day (Special non-working day)

January 3, 2015 – Weekend, Bank closed

January 4, 2015, Weekend, bank closed

January 5, 2015, Bank and school resumes for the year 2015

What does this mean?

For a period just one day shy of 2 weeks, the banks will be opened only 1 day, all of the other days the banks will be closed.

So for all of you that live through ATM, better stock up on cash before the bank and ATM close down and run out of money. The machine might not be filled up until next year. I might see you guys at one of the machine. LOL

Keep in mind also that while this article focuses on ATM and Bank closures, it is likely that many other types of businesses will be closed many (or all) of the days listed as well.  Malls will be open most of those days (many malls in the Philippines are even open on Christmas day, starting at Noon), but smaller businesses are likely to be closed.  Be prepared!

Have a Merry Christmas and a Happy New Year Everyone!

Filed Under: Daily Life, Feyma, Feyma Martin, Filipino Culture, financial, Holidays, Live in the Philippines, Living in The Philippines Tagged With: Gifts to the Philippines, Live in the Philippines, Web Magazine, WowPhilippines

September 25, 2014 by feyma

Would you buy medicines at Generics Pharmacy?

I was really pondering over this very topic for a long time now. I noticed that a lot of Pinoys will not really buy their meds at Generics drugstore. Reason being they said that they don’t trust the place, Generics pharmacy selling good medicine. They really think that those medicine that were being sold there were all fake. I was shocked with their reasoning. You know who is really the one that doesn’t believe in the pharmacy? The people that can’t even afford to buy medicine.

I was talking to a few of my previous laundry ladies and helpers, they said they needed medicine and I told them to get it at  The Generics Pharmacy and even told them the nearest Generics, the location near their house. I could tell the sour faces. I asked them why they acted like that? They said their neighbors said and heard from somewhere that the medicine there were all fake and not good. I told them that we’ve been using medicine from there for a long time and we are still alive and okay. I even told them we know lots of doctors get meds from there. It’s really hard to explain to people when their mind is already made up. As if you’re talking to a concrete wall. I just continue on telling them that it’s their choice, not mine. If they have so much money to buy the branded meds then go for it. To each his one I guess.

The Generics Pharmacy

The Generics Pharmacy

We are buying lots of our medicine there. I was asking my family what pharmacy they’re buying their medicine from. They told me that they buy majority of their meds from Generics too and one other pharmacy that similar to Generics (I can’t remember the name of the drugstore) they sell cheaper meds also. Some medicine were not available with Generics then we’ll buy it in the other pharmacy like Amesco, HB1, Watson, Rose pharmacy and to name a few are good too. Many other good and reliable pharmacy all over the place  the Philippines. Mercury is the famous one here in Davao. I was thinking they’re the first famous pharmacy in the Philippines. I just Googled the company. The largest pharmacy chain here in the Philippines. Founded in mid 1940’s.

If a person is admitted in the hospital here mostly they will give the prescription to the patient’s family and they can either buy the medicine from the pharmacy at the hospital or go out and go to the pharmacy that you are comfortable buying it from. After buying the medicine just drop the medicines at the nurses station where your patient is assigned to. You can buy plenty of over the counter medicines there. Lately all pharmacy now are asking for the prescription for all amoxicillin/penicillin products. Really too bad some people just abuse the medicines. Then they get hooked and it so hard for them to kick the habit off. Not too many rehabilitation places here in Davao for the people that get hooked. I don’t think the government will pay for it. Not even sure if PhilHealth pays for it.

Anyway, is there a Generics Pharmacy in your area? Give them a try. By the way, I’m not paid from the company. I was just thinking too many expats talking about not so much money and can’t afford to buy medicines. So why not try buying at the Generics pharmacy and see for yourself.

Cheers!

Filed Under: Daily Life, Expats, Feyma, Feyma Martin, Filipino Culture, financial, Live in the Philippines, Living in The Philippines Tagged With: Gifts to the Philippines, Live in the Philippines, Web Magazine, WowPhilippines

September 18, 2014 by feyma

Scams abound!

I was just browsing through my FB news feed and saw the wall of my dear friend Sharon. Just reading what’s on her wall got me thinking. I’ve receive too many junk text too, mostly I don’t even read it I just deleted it automatically. It’s so annoying to received almost half a dozen text or more in a day. Sometimes you’re busy working on something then when you hear your phone beeping telling you that you got text and when you checked it’s just another one of those junk. Geez,you really want to scream. LOL

This is nothing but a scam!

This is nothing but a scam!

Anyway the message on my friend’s wall that she posted to the right said: As you can read on the big and bold writing. The  problem if you reply to the number that was given. Then you are sending the person the load that they are asking. See here in the Philippines you can call anybody with your cell phone just using a pre-paid sim-card. What that means, you will buy a cell phone and buy the sim-card (either SUN Cellular, GLOBE, SMART, TALK “N” Text) separately. Every cell phone provider had their own promotional ad to lure the customers. Like us in our household, we all have Sun sim pack because they had a good deal right now. For Php 150, you can text unlimited for the whole month with 4 hours call to the other  Sun cellular number. If you pay Php 200, you will get the same promo plus you have 1000 free text to the other network provider. If you pay Php 450, you can call and text unlimited to the other Sun cellular number plus free 50 text to other network provider.

Lets move on to the text at right: Wonder why it’s a scam? Well if you follow what the text were saying, you are giving that person a load worth Php 300 pesos out from your load or your pocket. If you are on the post paid account and if someone texted you and said what it says below to text the 300 to the number that they gave you. Then you’re giving.  You see, if you do nothing, you have actually lost nothing, it is all a lie.  If you follow the instructions in the text, then you are helping the scammer steak P300 from you!  See that big writing that says: Txt 300 8888 Send to 29771907587

The 300 pesos load goes to the number like that one sample they have. The way we know its passing load or they called it here pasa load because of the text 300 and the 8888 was the code for passing the load.  Plus the number 2 in the beginning of the cell phone number means that’s passing of the load. Regular beginning number of the cell phone number should begins with 0 or +63.

Too many scams going on the cell phone right now. Some they even says that they got transferred to other place or they got accidents and they want you to give them load. Some scam even text you in Tagalog. If you don’t know what the text meant have someone interpret for you. It’s better to know what the context of the text than assuming it.

Anyway, beware of the scumbag again. Don’t fall for it.

Cheers!

 

Filed Under: Communication, Daily Life, Feyma, Feyma Martin, financial, Live in the Philippines, Living in The Philippines Tagged With: Gifts to the Philippines, Live in the Philippines, Web Magazine, WowPhilippines

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