Menu
Expat.com
Search
Magazine
Search
JOE CLOUGH

JOE CLOUGH

@JOE CLOUGH

Contributor

American expat in the Philippines

Forum posts

107

Contacts

7

About me

American

Lives in DAUIN

Speaks ENGLISH

Registration: 23 May 2013

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
Silvercobra

Pension payments by Silvercobra

I am retired and living in the Philippines. My pension is paid into an Australian bank then I transfer to my Philippines bank. Centrelink can transfer directly to my Philippines bank but I want to know how much will get here. For example if I send ...

JOE CLOUGH

WELL, GOOD LUCK WITH THAT....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
Silvercobra

Pension payments by Silvercobra

I am retired and living in the Philippines. My pension is paid into an Australian bank then I transfer to my Philippines bank. Centrelink can transfer directly to my Philippines bank but I want to know how much will get here. For example if I send ...

JOE CLOUGH

I got payments here in the Philippines and Thailand since 2005...No taxes never....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
fixfireleo

Any Alternatives to Philippines? by fixfireleo

I have read a ton of articles online and I am 99% sure I want to move to Philippines in about 4-5 years. The reasons I chose Philippines are many: 1. They speak English 2. Cost of living 3. Beauty of the place, especially the water 4. The ...

JOE CLOUGH

sure...thailand is a great place to live....i was a teacher there for 10 years....also i stayed on a beach for 6 months last your and the condo there was the same price as here in cebu...but there is fully furnished...3 swimming pools....along with ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
glenlita

Is My Plan Realistic? by glenlita

Hello everyone. My name is Glenn and my Wife is Lolita and we have been married for 28 years. We are seriously considering moving to her province in the Alaminos Pangasinan to retire. Our plan is to save up at least $15,000 US before we leave. My ...

JOE CLOUGH

I have lived here for many years in the Philippines on $1300 a month from ssa retirement....So if you can get free rent it might be possible...I just bought a small house near a beach for $12,500 us dollars....at 76 years old its good for ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
Priscilla

Dating and finding love as an expat in the Philippines by Priscilla

Hello, With cultural barriers and different dating norms, finding love as an expat abroad can be exciting and challenging at the same time. Is it easy to meet other fellow single people in the Philippines? How do you go about meeting ...

JOE CLOUGH

I have been in and out of the philippines the last 15 years.....my gf now is 21 yrs old...I am 76 yrs old..... my gf is going to college and we have been together almost two years.....you must be careful not to become a "CASH COW" for ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
Priscilla

Dating and finding love as an expat in the Philippines by Priscilla

Hello, With cultural barriers and different dating norms, finding love as an expat abroad can be exciting and challenging at the same time. Is it easy to meet other fellow single people in the Philippines? How do you go about meeting ...

JOE CLOUGH

I have been with two filipina girls during my 15 years in asia...one was for 8 years....then she married a American guy and lives in America...My second one is in college and has 10 sibblings...of course the parents do not work and their hand is ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
egalex

How much will it cost to buy a small flat? by egalex

Hi there I would like to ask how much it will cost to buy a small flat in the Philippines? and what is the cost of living?

JOE CLOUGH

hello....i am renting a firnished condo in CEBU for $200 a month.....i have been in thailand and the philippines the last 15 years.....Saturday i will look at a 2 bedroom house with furnishing for $12,500 us dollars....also found another one for ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
fixfireleo

Best place to look at housing on-line? by fixfireleo

I think many of the on-line places I've seen are a rip off. I have seen a few things on CraigsList. Can anyone recommend a site where private owners post available rentals and not just big time realtors that are charging a premium and only ...

JOE CLOUGH

hello...i am 76 years old and find it easy to live here in the philippines on my SSA retirement , $1,360 a month....I taught school in Thailand for 10 years and save up some money....here in cebu i pay $200 for a firnished condo.....ride my new ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
rcolvin1

Onward Ticket by rcolvin1

I am departing LAS Nov 27th going to Manila I just bought onward ticket from Bestonwardticket for $9.95 I used on onward ticket to depart Manila on Dec 10th Did I do this okay or not?

JOE CLOUGH

if you have a r/t ticket you should be ok.....joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
Priscilla

Dating and finding love as an expat in the Philippines by Priscilla

Hello, With cultural barriers and different dating norms, finding love as an expat abroad can be exciting and challenging at the same time. Is it easy to meet other fellow single people in the Philippines? How do you go about meeting ...

JOE CLOUGH

i have had two gf in the philippines..when i had to go out to other countries i still had my gf here in the PHP....the www.tagged.com is a good dating site...Joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
Julien

BACK TO THE BASICS : A WEBSITE FOR EXPATS, BY EXPATS by Julien

Hi, Expat.com defines itself as "The living abroad website, by expats, for expats" We received too many complains these last days about locals systematically hijacking treads, posting ads (when they should be posted in dedicated ...

JOE CLOUGH

What is this about ?????...JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
belayit

Social Security deposits to banks in the Philippines by belayit

I will ne getting my social security checks deposited to a bank in the Philippines. How do I get my money converted to pesos??? Will the bank accept u.s. dollars???? Will the bank convert it for me???? Or will I have to somehow physically do ...

JOE CLOUGH

but your paying western union.....direct deposit into bpi bank there is no cost.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
belayit

Social Security deposits to banks in the Philippines by belayit

I will ne getting my social security checks deposited to a bank in the Philippines. How do I get my money converted to pesos??? Will the bank accept u.s. dollars???? Will the bank convert it for me???? Or will I have to somehow physically do ...

JOE CLOUGH

the bpi gets your dollars from america on the 4th of each month.....you can get dollars or peso when you make a with draw....i also get dollars because i have a shop i get the peso at a good rate...but the bank is good also but it takes longer... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
belayit

Social Security deposits to banks in the Philippines by belayit

I will ne getting my social security checks deposited to a bank in the Philippines. How do I get my money converted to pesos??? Will the bank accept u.s. dollars???? Will the bank convert it for me???? Or will I have to somehow physically do ...

JOE CLOUGH

bpi....bank of the philippines island....its so easy....and no cost to you...some american people do atm ..but that cost you money each time...crazy.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
7 years ago
belayit

Social Security deposits to banks in the Philippines by belayit

I will ne getting my social security checks deposited to a bank in the Philippines. How do I get my money converted to pesos??? Will the bank accept u.s. dollars???? Will the bank convert it for me???? Or will I have to somehow physically do ...

JOE CLOUGH

hey.....i have been getting my ssa money here in the philippines.....also thailand....the philippines is at no cost and its a dollar account..it arrives on the 4th day of each money..you can get peso at the bank but i do it at another shop with good ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago

Happy Holidays to all!

Happy new years from india......Ilive in negros but work in India.....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
thailen

Philippines Stopping Filipinas from Leaving As A Tourist? by thailen

I have a filipina girlfriend who I invited to live with me in Thailand. She is hearing that Thailand immigration is stopping filipinos at the Bangkok airport for not having enugh thai money, for not having a valid reason to come in, etc., even ...

JOE CLOUGH

GOOD MORNING.....WHILE I WAS TEACHING IN THAILAND I HAD MY 18 YR OLD FILIPINA GF FLY OVER TO BANGKOK...SHE HAD TO SHOW MY SCHOOL CONTRACT AND HER TRAVEL MONEY...NOW SHE HAS BEEN TO THAILAND 3 TIMES....I AM NOW WORKING IN INDIA AND SHE WAS HERE FOR ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
Taoken

Cholon vn by Taoken

US expats living in Saigon-Cholon

JOE CLOUGH

HELLO: I HAVE HAD A VISIT TO VIET NAM.....I AM A 74 YEAR OLD AMERICAN NOW WORKING IN INDIA AND USUALLY LIVE IN THAILAND OR THE PHILIPPINES...DA NANG AND HANOI WERE NICE....I THINK IT COULD BE CHEAP TO LIVE THERE...BUT GETTING A ONE ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
Priscilla

Property prices in the Philippines by Priscilla

Hello everyone, Finding affordable housing in the Philippines is number one priority for newcomers. Tell us more about the estate market in your district/city/region. What are the most desired places to live? What are the most affordable ones? ...

JOE CLOUGH

hello....i live in negros island now ..i have a cottage on near the beach in dauin...its all mine..just paid the taxes...but is so boring there....so i will look for a 2nd hand place in the cebu area....i am now working in india and the boss gives ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
Sala90

How can I marry my gf in Philippine by Sala90

Hi all I am from india working in abroad and I have gf in Philippine our relationship is each other' our family also know that our relationship so I need to go Philippine and married my gf I need to stay with my gf .my plan I can go ...

JOE CLOUGH

Hello....I am American working in India...i have A gf is also a filipina....While I am working here in pune i brought the girl here....she was here for 5 months....2017 she will come again..it looks like its easier to do marriage here in ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
TheDigitalMage

current conditions in the Philippines ? by TheDigitalMage

I've been considering a trip BUT the Philippine president does not seem to be overly friendly toward Americans. I have to wonder... Is this a country currently feeling anti-american? Will I be safe? I'm 67 and a bad leg... I was ...

JOE CLOUGH

I have lived in the philippines since 2009...but now working in india....my small cottage is on negros island....but its so boring 40 minutes from dumaguete..so i will go back to thailand after my work is finished here...Thailand has better ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
TheDigitalMage

current conditions in the Philippines ? by TheDigitalMage

I've been considering a trip BUT the Philippine president does not seem to be overly friendly toward Americans. I have to wonder... Is this a country currently feeling anti-american? Will I be safe? I'm 67 and a bad leg... I was ...

JOE CLOUGH

yeah...i agree with your thinking..i built a cottage near the beach in NEGROS......i am 74 and my filipina gf is 23...she is a good girl...no problems...but with this new negative president hating americans , he is a muslims....i am working in india ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
TeeJay4103

U.S. Social Security benefit increase for 2017 by TeeJay4103

[img]http://blog.socialsecurity.gov/wp-content/uploads/2016/06/image.jpeg[/img] A small increase of 0.3 percent for recipients for 2017. It may be small but considering the chaos in the U.S. government, we can be glad it's not a cut in ...

JOE CLOUGH

WOW..some is better than nothing....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
Priscilla

Are you happy in the Philippines? by Priscilla

Hello everyone! According to the 2016 UN World Happiness Survey, Denmark, Switzerland and Iceland are the happiest countries on earth. How about you? Are you happy in the Philippines? Do you feel happier today in your host country than before ...

JOE CLOUGH

Hey: I do live in negros island in the Philippines but now working in India....i do stay in Thailand a lot ..its better as far as medical , food ,and housing.....Joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
Guest7983

Direct deposit of social security check to a bank account in Cebu by Guest7983

Does anyone know how to get your social security checks from the U.S. directly deposited in a Philippine bank account? It seems that the Philippines is one of the countries listed in the Social Security Department as NOT available for direct deposit.

JOE CLOUGH

hello..i have been getting my ssa check sent to my BPI bank for the past 7 years.....at no charge..before that it was going to my BANGKOK BANK in Thailand....no problems....easy.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
Bill Talk

What is the best prepaid debit card for the philippines? by Bill Talk

Hi everyone, I'm new to this site. Thanks in advance for any help. I'm planning to move to Dumaguete City and would like to know what debit card if any I can bring with me? i am retired on pension and have no bank account just a debit card ...

JOE CLOUGH

good morning...i also live in dumaguete ...out in dauin....i have my ssa go direct to my BPI bank so there is no fees...its been good the last 7 years....i also had direct deposit also in thailand...i am working here in india now and my filipina gf ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
TeeJay4103

Peso falls to seven year low on Duterte concerns. by TeeJay4103

A good article regarding the new president's policies and their effect on the peso value. The dollar exchange rate may help expats, but does it really? [b]Peso falls to seven-year low, stocks down again ...

JOE CLOUGH

yes...I understand....When he says "I HATE AMERICANS" thats not a good sign..maybe i will see you in Thailand....I had direct deposit for my ssa in Thailand before...The Bangkok Bank main branch has 30 some counters just for us ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
TeeJay4103

Peso falls to seven year low on Duterte concerns. by TeeJay4103

A good article regarding the new president's policies and their effect on the peso value. The dollar exchange rate may help expats, but does it really? [b]Peso falls to seven-year low, stocks down again ...

JOE CLOUGH

yes...I was a teacher there for ten years....also once was the Olympic Boxing coach for Thailand..So I know Thailand....I now work in India with pro boxing but my contract is up in December so I have been looking online at condos for rent in pattaya ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
TeeJay4103

Peso falls to seven year low on Duterte concerns. by TeeJay4103

A good article regarding the new president's policies and their effect on the peso value. The dollar exchange rate may help expats, but does it really? [b]Peso falls to seven-year low, stocks down again ...

JOE CLOUGH

maybe its time to move my ssa account out of the bpi Philippines bank and back to Thailands bangkok bank... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
lukas83

Hello, any tips on staying safe and places to stay away from by lukas83

Hello My names Lukas and I,m heading to sindangan zamboanga del norte in 6 weeks for 2 weeks. Can anyone one give me tips on staying safe and places to stay away from

JOE CLOUGH

Negros island is much safer.....you do have to worry..night or day...JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago

I'm a new member of this,

hello...i am a american and have lived in the philippines for 6 years....i bought land in negros near the beach and built a small cottage....its in my girlfriends name and i have a 50 year lease....joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
SJSinKuwait

FILIPINO culture by SJSinKuwait

I am an expat living in Kuwait with my wife. My wife is Filipina. I am an American. Help me out in figuring out the FILIPINO culture.

JOE CLOUGH

once a ...CASH COW ...always a CASH COW....and thats all we are...the hands are always out....we are the givers and the FILIPINAS are the takers....GOOD LUCK... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
FCStraight

Palawan by FCStraight

I'd like to hear from expats or locals currently residing in Palawan. I am seriously considering residing in Palawan...probably in the Puerto Princesa area. I have been to Palawan on a vacation....spent a couple of weeks in Aborlan and an ...

JOE CLOUGH

I feel Thailand has the best medical care in asia...forget the philippines if you want proper medical care.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
kennywriter

Social Security by kennywriter

I will be retiring soon and moving to the Philippines. Is it better to leave my money in the United States or have it direct deposited in a bank in the Philippines? If it is better to send to the Philippines, what are the best banks?

JOE CLOUGH

yes..its a good idea if your going back and forth to america ...i have been in asia 13 yrs....never had problems when my ssa money comes every month on the 4th...when i finish here in india i have a nice condo lined up in thailand on a beach in hua ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
kennywriter

Social Security by kennywriter

I will be retiring soon and moving to the Philippines. Is it better to leave my money in the United States or have it direct deposited in a bank in the Philippines? If it is better to send to the Philippines, what are the best banks?

JOE CLOUGH

good morning from india: i like davao and i did always want to move down there...anyway ,i am working in india as the technical director of pro boxing....my contract is up in december and will stay in thailand for awhile...i do have a small cottage ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
kennywriter

Social Security by kennywriter

I will be retiring soon and moving to the Philippines. Is it better to leave my money in the United States or have it direct deposited in a bank in the Philippines? If it is better to send to the Philippines, what are the best banks?

JOE CLOUGH

HELLO: I HAVE BEEN HAVING MY SSA RETIREMENT COME TO MY BPI BANK IN CEBU, THE PHILIPPINES FOR MANY YEARS ....ITS NICE BECAUSE ITS FREE AND NO ADDED COST...BEFORE I HAD IT COME TO BANGKOK TO THE BANGKOK BANK.....IF YOU HAVE ANY QUESTIONS ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
GRAILSEEKER

"Expats" in Baguio City by GRAILSEEKER

Are there any "expats" living in Baguio City? That's where I want to settle sometime in early September. I'm an American living in the San Francisco area, and I could use a few pointers about making a successful transition to ...

JOE CLOUGH

Yeah...i was there years ago training the national boxing team of the philippines...i also liked it in baguio but the rain was heavy and would not stop....but i think living there would be nice...i have a small cottage in negros near the beach..its ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
expat.com

Cost of living in the Philippines – 2015 by expat.com

Hi all, We invite you to talk about the cost of living in the Philippines in 2015, with an updated price listing. Don't forget to mention in which city of the Philippines you are living in. How much does it cost to live in the ...

JOE CLOUGH

YES...I AGREE ..SO SO CHEAP IN THE PHILIPPINES....I BOUGHT LAND NEAR THE BEACH IN NEGROS..BUILD A SMALL COTTAGE WITH A GYM....I PAY..ELEC...$20....CABLE TV...$85 A YEAR....PHONE AND WI-FI $50...THEN FOOD AND GAS FOR THE MOTORCYCLE....SO CHEAP... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
9 years ago
dandunn

Ticket guaranteeing exit of the Philippines by dandunn

I am returning to the Philippines with no plans to travel till the next year. I plan on buying a round ticket for a Sept flight with a round trip return date of August 2017 will this qualify as my exit guarantee or does my exit need to be ...

JOE CLOUGH

YES...I ALWAYS GET A TICKET TO SINGAPORE...CHEAP... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
10 years ago
rhod

Making a living. by rhod

I hope no one takes this wrong. My question is this. If u can't make a retirement in the w we st, why do you think you can do it in a third world country competing against the local?

JOE CLOUGH

yeah ...I agree..the young ones keep you young..also the older ladies have toooooo much baggage..the kids..the family and the bills...my girls is now 23 and we have been together many years...she will fly here to India in May ,its where I am ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
10 years ago
annaganda

My expat husband is facing a legal problem by annaganda

Good day to all,This is about my husband who is a swiss national who just moved with me in the Phils. Last Christmas,our neighbor had a party and started playing the videoke at 2pm in the afternoon until 4am the next day.. aside fm the loud ...

JOE CLOUGH

yes..so true..we are a guest....so is that why i am working in india ...after my one year contract we are off to thailand....my cottage in negros will be empty for awhile.. Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
10 years ago
tgree69

Expat eventually... by tgree69

Hello everyone, I hate to do it, but I need to ask yet another relationship question. Most answers I have looked for I have found easily doing research. This is more of an opinion type question for you salty expats and possibly your wives as well. ...

JOE CLOUGH

yes, i built a small cottage on the beach in negros....but we also live in a rental in cebu....i like the shopping mall...eating american food like kfc or pizza hut....i am now working in india....i am a international boxing coach and we are ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
10 years ago
tgree69

Expat eventually... by tgree69

Hello everyone, I hate to do it, but I need to ask yet another relationship question. Most answers I have looked for I have found easily doing research. This is more of an opinion type question for you salty expats and possibly your wives as well. ...

JOE CLOUGH

YES...I HAVE LIVED IN NEGROS SINCE 2009...I AM A 74 YR OLD AMERICAN....I HAVE A YOUNG GF WHO HAS BEEN WITH ME 7 YRS...YOU CAN FIND THAT SPECIAL GIRL LIKE I DID....BUT STAY AWAY FROM THE "GOLD DIGGERS" AS THERE ARE MANY....I PUT MY LAND AND ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
10 years ago
supercad55

Big Move 2017/ 2018 by supercad55

Retired American here planning to move with the wife who is from Manilla and our daughter who will be 1 in 2017 when we move. We are not set on the Philippines but it's in our top 4 with Panama, Costa Rica and Thailand. We do not want to be in ...

JOE CLOUGH

yes....sorry for the caps... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
10 years ago
supercad55

Big Move 2017/ 2018 by supercad55

Retired American here planning to move with the wife who is from Manilla and our daughter who will be 1 in 2017 when we move. We are not set on the Philippines but it's in our top 4 with Panama, Costa Rica and Thailand. We do not want to be in ...

JOE CLOUGH

WOW..GOOD IDEA...WORKING HERE IN INDIA...I HAVE A SMALL COTTAGE IN NEGROS, THE PHILIPPINES....BUT BELIZE SOUNDS NICE...I HAD A PRO FILIPINA BOXER FIGHTING IN SOUTH IN MEXICO..I SAW SO MANY BLACK PEOPLE...THEY WERE FROM BELIZE...I WAS IN THAILAND FOR ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
10 years ago
Caring Sandra

why older foreigners loves to marry younger pinays? by Caring Sandra

i am just confused why older foreigner likes very young pinay?then after they will complain that younger pinay likes only Money?Why they marry without even taking seriously there feelings..they do not like older pinay?What is wrong with matured ...

JOE CLOUGH

GOOD MORNING....YES, WE FOREIGNERS LIKE THE YOUNG LADIES..THEY DO NOT HAVE THE BAGGAGE OF THE MATURE LADIES...THEY HAVE MORE ENERGY AND WANT TO ENJOY LIFE....THEY LIKE TRAVELING TO OTHER COUNTRIES AND GOING TO COLLEGE...THEY HAVE IT ALL MY ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
VSIVISA

Where do expats live in philippines? by VSIVISA

Where do expats live in philippines?

JOE CLOUGH

I HAVE LIVED IN NEGROS AND CEBU...BOTH ARE GREAT...ITS DEPENDS WHAT YOUR LOOKING FOR IN YOUR LIFE... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
accrington

retirement in Philippines by accrington

Is it possible for single English woman to retire on a savings of £35.000?

JOE CLOUGH

YES,,THATS A NICE PLAN....I TAUGHT SCHOOL IN THAILAND FOR 10 YEARS....I KEEP $25,000 IN MY SAVING BANK AND LIVE OFF MY MONTHLY RETIREMENT MONEY....$1320 ..THATS ENOUGH FOR ONE MONTH IN THIS COUNTRY...MY RENT IS 5000 PESO HERE IN CEBU...A 2 BEDROOM ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
accrington

retirement in Philippines by accrington

Is it possible for single English woman to retire on a savings of £35.000?

JOE CLOUGH

YES..THATS A GOOD AMOUNT BUT U NEED A MONTHLY INCOME LIKE RETIREMENT.....SO YOUR MONEY WILL NOT GO DOWN TO NOTHING.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago

Expats in the Philippines, what do you do here?

yes, I am here in Cebu coaching 14 pro boxers.....also taught school here and in Thailand.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
Geoffb2289

Married Australian Pension by Geoffb2289

Got married to a Filipina girl in December 2014 and the Australian Government reduced my pension??? This makes no sense to me at all, can someone shed some light on this please Geoff

JOE CLOUGH

so sorry about that....i am a american...the usa would never do that... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago

Hello from India

WOW....NICE TO READ.....I WAS COACHING BOXING IN PUNE, INDIA FOR THE WSB LEAGUE....MARY KOM WAS ALSO TRAINING THERE....I MIGHT BE GOING BACK TO YOUR COUNTRY.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
Bob Marshall

Expat-Pinay Online Dating Sites WARNING! by Bob Marshall

In my fruitless search for a hot young Filipina wife for when I move there soon I joined Filipnacupid last year just to see what happens. Soon I had 100's of gorgeous young girls interested in old me. I have chatted and webcammed with many of ...

JOE CLOUGH

Yes..she is 21 yrs old...Please do not worry.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
Bob Marshall

Expat-Pinay Online Dating Sites WARNING! by Bob Marshall

In my fruitless search for a hot young Filipina wife for when I move there soon I joined Filipnacupid last year just to see what happens. Soon I had 100's of gorgeous young girls interested in old me. I have chatted and webcammed with many of ...

JOE CLOUGH

Yes, so true with all the scamers here in the Philippines....I hire a schoolgirl to be my maid and paid her 20 peso a day...That was 5 years ago and now she is my gf..She goes to college and never ask for money except for school needs...INTERNET ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
berlean.bb

need cashbond if u want to get visa to go to australia? by berlean.bb

I'm a filipina. I have an Australian boyfriend. He said that he's coming to the Philippines this march to marry me and Will bring me to Australia after the wedding. but He said I have to have more money for the "cashbond". is that ...

JOE CLOUGH

your welcome my friend.....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
berlean.bb

need cashbond if u want to get visa to go to australia? by berlean.bb

I'm a filipina. I have an Australian boyfriend. He said that he's coming to the Philippines this march to marry me and Will bring me to Australia after the wedding. but He said I have to have more money for the "cashbond". is that ...

JOE CLOUGH

The australian embassy will tell u what u need to know..if he is bad or not..if he is bad move on with your life....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
berlean.bb

need cashbond if u want to get visa to go to australia? by berlean.bb

I'm a filipina. I have an Australian boyfriend. He said that he's coming to the Philippines this march to marry me and Will bring me to Australia after the wedding. but He said I have to have more money for the "cashbond". is that ...

JOE CLOUGH

yes, never never trust people who want your money....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
berlean.bb

need cashbond if u want to get visa to go to australia? by berlean.bb

I'm a filipina. I have an Australian boyfriend. He said that he's coming to the Philippines this march to marry me and Will bring me to Australia after the wedding. but He said I have to have more money for the "cashbond". is that ...

JOE CLOUGH

i am a american boxing coach....when we take a filipina boxer to there we must pay $200 dollars for a visa...we are going there in march 2nd...CASHBOND..are you crazy....Joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago

Nice to be here

if your in cebu..you can train at our boxing gym in the slums of mandaue....good workouts...free...joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
Bob Marshall

Expat-Pinay Online Dating Sites WARNING! by Bob Marshall

In my fruitless search for a hot young Filipina wife for when I move there soon I joined Filipnacupid last year just to see what happens. Soon I had 100's of gorgeous young girls interested in old me. I have chatted and webcammed with many of ...

JOE CLOUGH

very true my friend...forget online girls...i use to help my ex-gf in thailand to chat guys....it was funny.. [moderated: completely inappropriate, please avoid such comments on the forum.] ...yes, come here and meet a cute girl who has a job....a ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
clarencew

The cost of living in the Philippines. by clarencew

I wanted to talk about the cost of living here in the Philippines. Where I live is pretty good, I been living here for almost two years now and I don't work, I live off of my retirement and still manage to save money each month. Me my girlfriend and ...

JOE CLOUGH

GREAT STORY...THANKS FOR SHARING ....I AM ALSO A AMERICAN LIVING IN CEBU ON MY RETIREMENT...YES, SSI MONEY IS ENOUGH TO LIVE ON....I COACH 14 PRO BOXERS ..WILL FLY TO MEXICO TO FIGHT FOR A WBC BELT ON FEB 14TH...BUT I NEVER TAKE MONEY FROM THESE ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
Vagabondone

Moving to PI? Any suggestions by Vagabondone

I currently live in Vietnam and am thinking of at least coming to check out living/moving to the PI. Not real keen on the heat or humidity. I've heard of a city in the North called Baquio (sp). Don't see it as a destination on the blog. Can ...

JOE CLOUGH

WELL, I HAVE A FRIEND WHOS WIFE WORKS IN RESTATE..SHE FOUND ME MY PLACE....I PAY 5,000 PESO ($114) PLUS WATER AND POWER , ANOTHER 1,350 PESO.....MY 2 BEDROOM IS NICE FOR ME AND MY COLLEGE GF..I AM 72 AND SHE IS 21...WE HAVE BEEN TOGETHER FOR ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
Vagabondone

Moving to PI? Any suggestions by Vagabondone

I currently live in Vietnam and am thinking of at least coming to check out living/moving to the PI. Not real keen on the heat or humidity. I've heard of a city in the North called Baquio (sp). Don't see it as a destination on the blog. Can ...

JOE CLOUGH

i move to the philippines 5 years ago....negros island was nice but boring at times...so now i live in cebu which is much better with a lot of things to do....I do coach pro boxing which makes my day.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
thailen

Philippines Stopping Filipinas from Leaving As A Tourist? by thailen

I have a filipina girlfriend who I invited to live with me in Thailand. She is hearing that Thailand immigration is stopping filipinos at the Bangkok airport for not having enugh thai money, for not having a valid reason to come in, etc., even ...

JOE CLOUGH

IT WAS THE SAME FOR MY GF....I WAS TEACHING SCHOOL IN THAILAND AND ASK HER TO COME AND STAY WITH ME...SHE WENT THROUGH HELL AT THE IMMIGRATION IN MANILA....THEN OUR 2ND TRIP TO SINGAPORE IT WAS NO PROBLEM.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
fil.german2014

Looking for Long term House For Rent... by fil.german2014

Looking for Long term House For Rent... our budget is 25k below.. the house must allowed dogs, cuz we have dogs..

JOE CLOUGH

its about 30 to 40 feet to the beach....the cottage is small but finished ...40 inch sony tv on the wall....dvd player...refrig...water from a well that comes into the cottage.....its clean...the neighbors drink it....if you email me at ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
four1cents

Where in the Philippines can I rent for less money? by four1cents

Hi One Question? Where or city or region can rent for not cheap, but the bang for the USD? :) Least money? Thank you

JOE CLOUGH

the cebu area is cheap....i am a american and renting a 2 bed place for $5,000 peso a month....its a lot better than manila.....joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
four1cents

Where in the Philippines can I rent for less money? by four1cents

Hi One Question? Where or city or region can rent for not cheap, but the bang for the USD? :) Least money? Thank you

JOE CLOUGH

NEGRO ISLAND IS VERY CHEAP AND NO CRIME TO WORRY ABOUT.....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
11 years ago
fil.german2014

Looking for Long term House For Rent... by fil.german2014

Looking for Long term House For Rent... our budget is 25k below.. the house must allowed dogs, cuz we have dogs..

JOE CLOUGH

HELLO.....I HAVE A VERY SMALL COTTAGE NEAR THE BEACH IN DAUIN, NEGROS ISLAND....5 ,000 A MONTH... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
12 years ago
rocchidavide

We are glad to live here now by rocchidavide

Hi , we are an Italian family. At the end of 2012 we decided to move to a Philippine island . My name is Davide, my wife's name is Simona and our 22 year old son Andrea. I was a manager in a private company , my wife worked in the public ...

JOE CLOUGH

thanks for sharing your story.....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
12 years ago
KopiRoti

Living Here by KopiRoti

When you are living in Philippines or any new places, never compare it with your home country especially if you come from a more modern and developed country. You will feel depress. Try to look at the bright side and appreciate the differences (be ...

JOE CLOUGH

I agree...If your not happy here move on....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
harshad9

Newbiee to expat...... :P by harshad9

Dear folks i am a newbiee here n i need your help buddiess and my respected Admins , moderators n everyone....!!!! I am looking for some change and want to work in Philippines so want to know how can i apply for a job in Philippines...... Thanks ...

JOE CLOUGH

WELL, I JUST FINISHED MY CONTRACT TEACHING IN BANGKOK IN MARCH...WHEN I AM WORKING MY RETIREMENT BUILDS UP IN MY BPI BANK...SO NOW I HAVE A LOT OF MONEY IN MY SAVINGS...NOW LOOKING AT A POSITION IN AMERICA,,,, Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
harshad9

Newbiee to expat...... :P by harshad9

Dear folks i am a newbiee here n i need your help buddiess and my respected Admins , moderators n everyone....!!!! I am looking for some change and want to work in Philippines so want to know how can i apply for a job in Philippines...... Thanks ...

JOE CLOUGH

HELLO: I AM A AMERICAN LIVING 5 YEARS IN THE PHILIPPINES...THERE NO JOBS HERE FOR THE FOREIGNERS...I GO TO BANGKOK WHEN I WANT TO WORK BUT STILL LIVE HERE....I WAS WORKING IN PUNE LAST YEAR...I WAS THE "HEAD COACH" OF THE MUMBAI FIGHTERS...DO ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
Cheruphil

Its Hard Here!! by Cheruphil

I came here about two weeks ago in the name of running,when I arrived here no contact person answered my call until almost midnight when a Filipino lady came and picked me. She hosted me for a week and I thank God for her, she was a God send angel ...

JOE CLOUGH

WOW..GOOD LUCK IF YOU GET TO RUN IN THE RACE....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
Physalis

New in Manila by Physalis

Hi, I'm expatriate coming from Germany. Originally I'm from Turkey. I would be more than happy if you say hi too..

JOE CLOUGH

GOOD MORNING...HERE IN NEGROS ISLAND....BEEN HERE 5 YEARS...GOOD LUCK TO YOU....JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago

Professionalism

Hello: I am living here in Negros...I am a teacher, BA degree in education...Taught 8 years in THAILAND...Also I am a international boxing coach...I am a former Philippines ASIAN GAMES BOXING COACH, A THAILAND OLYMPIC GAMES COACH....I just ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
roz3

Can one live comfortably on Australian pension by roz3

I am looking to visit Phillipines and have been told to go to Cebu and surrounding areas for safety? I am arered single aussie woman. I am interested in living near a beach not too far from shopping etc. I dont like cities. Is it possible to live on ...

JOE CLOUGH

HELLO: I AM A AMERICAN LIVING ON NEGROS ISLAND NEAR THE BEACH...DAUIN IS A SMALL VILLAGE....I HAD A SMALL COTTAGE BUILT WHILE TEACHING IN THAILAND....YES, U CAN LIVE GOOD HERE ON YOUR MONEY....IF I NEED TO GO TO A BIG CITY CEBU IS 4 HOURS AWAY ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
jab1955

Any information on life in the Philippines by jab1955

Any information on life in the Philippines, cost, housing ,any thing a non expat should know to make up his mine on moving there. thanks

JOE CLOUGH

we live here in negros and its cheaper than cebu.... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
vizag30

hi by vizag30

can I get job in Philippines.

JOE CLOUGH

maybe but its not easy....joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
schrieder

life in cebu by schrieder

i am from bangalore india, living in dubai for the past many years..i speak most of the indian languages...i am seriously contemplating relocating myself to cebu and establish a small tourist oriented business ..i want to know from expats how life ...

JOE CLOUGH

Yes, true...Thailand is much better...Thanks for your words... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
services

re: rent or buy by services

Any advice in renting a place or buying ? Flats or Apartment ?

JOE CLOUGH

GOOD MORNING FROM NEGROS ISLAND....I BOUGHT LAND HERE NEAR THE BEACH...YES, I HAD TO PUT INTO ANOTHER PERSONS NAME...THEN I HAD A COTTAGE BUILT....PUT IN A WELL SO MY WATER IS FREE....MY ELECTRIC BILL IS ABOUT $20 TO $40 A MONTH...THEN I PUT IN ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
JOE CLOUGH

PHILIPPINES by JOE CLOUGH

HELLO: I HAVE BEEN IN ASIA FOR 10 YEARS...MOSTLY IN THAILAND AND THE PHILIPPINES...MY FIRST TRIP TO THE PHP CAME WHEN I WAS ASK TO DO A NATIONAL COACHING COURSE IN BOXING...THEN SOME YEARS LATER I WAS ASK TO COACH THE PHILIPPINES IN THE ASIAN ...

JOE CLOUGH

Hey: yes, thank u...just went to cebu for the day...now back home...joe Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
azumi25188

Russian speaking community by azumi25188

Is there a Russian speaking community in Cebu, Philippines?

JOE CLOUGH

ok...thanks for the reply...JOE Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
redwine2

hi moving and working in Manila by redwine2

hi i might be moving and living in Manila..... i need some advice , i am currently living in Paris . how is it like being single women expats in manila??.. i appreciate all comments. thanks

JOE CLOUGH

hello: i am a american living in the philippines...its not easy finding work here so i go to thailand were i have taught school...i live on negros island...i have a small cottage near the beach ...if you have any questions...please ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
azumi25188

Russian speaking community by azumi25188

Is there a Russian speaking community in Cebu, Philippines?

JOE CLOUGH

hello: no russians here....but i was living in pattaya,thailand last year...and most all the people living in our condo were russians...go to pattaya,thailand... (ps..i was in perm, russia last ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago

5 good reasons for living in the Philippines

hello: i think my 5 reasons to live here in the philippines are: A...low cost of living.. B...slow and relaxing life style.. C...the great weather.... D...driving my jeepny... ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
waymar65

Life over there. by waymar65

I am 66 years old and I am thinking of moving to Manila, and maybe get married but I also would like to find a job if possbile? in the mean time I would like to meet a friend over there who would write to me about life over there, and what to expect ...

JOE CLOUGH

hello: i am a american living here in the php on negros island...i am 71 yrs old and get my ssi retirement direct deposited into my BPI bank account... not many jobs here ...i taught school in bangkok for 8 years..i just finished teaching in ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
Pedro1986

How to say that I'm not responsible for the family? by Pedro1986

I'm feeling a little bit depressed lately. It has been since the beginning already, but I'm really starting to dislike/hate it that I'm sometimes doubting if I'm starting to hate the family. My wife is Filipina and the longer the more her family ...

JOE CLOUGH

hello: i am a american living with a filipina girl her on negros island...but i close the door on her family..its only up to me "if" i want to spend any money on them...i am not their "cash cow" never never never...i know how filipinas have ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago

just say hi..:-)

hello: I am a american living here near a beach in negros island...in the philippines...i also lived one year in malaysia ...what questions do you have....please ask.. regards joe clough Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
steveinoz

Informations about life in Cebu by steveinoz

Hi everyone, I'm Steve from Australia. I recently joined so I can talk to expats in Philippines and get information about living there. I think I would like to go to Cebu and live but I don't know where to start and I was hoping I might be able to ...

JOE CLOUGH

hello: i am a american living in negros which is 4 hours from cebu...i taught school in bangkok for 8 years...i have a small cottage and gym here near the beach... i live on my retirement which is direct deposited into my BPI bank ... Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
schrieder

life in cebu by schrieder

i am from bangalore india, living in dubai for the past many years..i speak most of the indian languages...i am seriously contemplating relocating myself to cebu and establish a small tourist oriented business ..i want to know from expats how life ...

JOE CLOUGH

hello: i am a american living in negros which is 4 hours from cebu city...i taught school in bangkok for 8 yrs...also i was the head coach for the "mumbai fighters" in india... good luck with your travel company... regards joe clough Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago

FIRST TIMER!!!

hello: i live on negros island...i travel to thailand a lot...i lived there for 8 years so i know my way around...if you have any questions about thailand please ask me... regards joe clough Read More

JOE CLOUGH
JOE CLOUGH replied to a thread
13 years ago
jab1955

Any information on life in the Philippines by jab1955

Any information on life in the Philippines, cost, housing ,any thing a non expat should know to make up his mine on moving there. thanks

JOE CLOUGH

hello: i have been here a few years...before i taught in thailand...now getting my ssa retirement each month which is enough here ... its direct deposited into BPI bank...i am now 71 yrs old living with a young filipina...we do travel ... Read More

JOE CLOUGH
JOE CLOUGH created a thread
13 years ago

PHILIPPINES

HELLO: I HAVE BEEN IN ASIA FOR 10 YEARS...MOSTLY IN THAILAND AND THE PHILIPPINES...MY FIRST TRIP TO THE PHP CAME WHEN I WAS ASK TO DO A NATIONAL COACHING COURSE IN BOXING...THEN SOME YEARS LATER I WAS ASK TO COACH THE PHILIPPINES IN THE ASIAN ... Read More

JOE CLOUGH
JOE CLOUGH joined Philippines expat community
13 years ago