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HOW TO SPOT A GOLD DIGGER FILIPINA - Duration: 1:04:19.

All right everybody, it's BobbieD from the B to the D BobbieD back on live with you on Youtube.

And we're from life in the Philippines a black person's a viewpoint and today

We're gonna be taking a look at how to spot

a Gold digger.

In the Philippines. how to spot a gold digger in the Philippines ...Yahhhhh!

Now when we talk about the Philippines

you understand this is a country where many many people come every day and

The majority a lot of those people come looking

For love

Mm-hmm romance

Yeah, they come to find a lover

They come to find someone to be with someone that they can share their lives experiences with

They don't necessarily come here, but they look online as well

And so today I'm gonna take a look at some things

We're gonna take a look at some things that you can determine if

that person that you're talking to if that person that you're

Chatting with online or either in person is a gold digger. Yeah

see

there's a lot of women out there that

are

Pretenders pretenders. Yeah, they pretend that they love you

Just for the purpose of getting in your pocket, yeah

They want your money honey. Suddenly won't

Now don't get me wrong. There's some women out there as well

But it's gonna take you where to find the good women and you have to be very diligent about it

You have to be like a surgeon precision. You have to know what you want

And go after it find it

So

Malcolm

Philippines bound

Ian Malcolm, okay. I'll get to you questions. Let me get through with this. I'll get into all your questions and

In just a few minutes, I'm gonna go over to some things with you that you should know about

when you're searching for a

Friendship romance wife girlfriend here in the Philippines because a lot of people

Get hooked up and they get messed up on this

First thing you want to know if you're if you're talking to a Filipina

She's always asking for money. Okay?

That's one red flag right there

She just met you and she wants you to send her five hundred pesos ha ha ha

Now to me I'm an experienced person I've been around that's a joke to me

You know, I'll be like what five hundred pesos I just met you lady. What's wrong with you?

that's that's my response. But believe it or not guys

There's people out there. That would be okay. When do you want it how fast can I get it to you?

Where do you want me to send it to you my dear? Yeah, there's a lot of gullible people out there suckers

I call them, you know, I mean people people are some people are just that just they'll fall for anything, you know

So I want you to know that

If a person you're dating or you're talking to on line, is always asking for money

always talking about money

That's a red flag that that person may not be so much interested in you

But more interested interested in your pocketbook. Mm-hm how many US dollars that you can take and bring in that you could send them?

Another thing you wanna look out for guys

talking to a Filipina

Alright online offline doesn't matter

They're always complimenting you

now you just met this lady. You've been talking to her a couple of days

Every for the fifth sentence comes out her. Oh, I just love the way you look, you're so handsome

And you talk so well, and your hair is so nice looking and I like the way your eyes are. Yeah right

You just met the lady and she's so full of compliments

Red flag, uh-huh. Yeah. Yeah. Yeah. Yeah red flag. Mm-hmm that's called

emotional

Manipulation say with me emotional what?

Manipulation. Mm-hmm. Yeah, they feed you. They stroke you and they give you all kind of emotional

Positives and making you feel real good inside. You're like, oh, yeah this gal, right? Yeah. Yeah. She's like me

I didn't know it was a handsome girl. Yeah, I know. I thought I was a but i,,

You know, I like the way you say it to me. Yeah right

Try to get in your pocket

It's called emotional stroking

Stroke your ego. every man wants to feel like they're good-looking

Every man wants to feel like they sexy

Every man, wants them to say - that oh, he look like Denzel

Yeah, everything was here that kind of stuff and they know that and they use that against you to get in your what?

pocket

How many US dollars can I get out of this sucker today? Uh-huh?

watch out for that guy's then one of the red flag is if you meet a filipina you

And you for the first time you want to make sure

If she tells you she's not working

red flag

Yeah, red flag

because

the fact of the matter is

if a Filipina is not working they have no what income and

If they have no income

Then you're looking for you to be a sugar daddy

Yeah, sugar daddy

They want your money honey. They want every US dollar you can send them

Immediately and put in their pockets. Mm-hmm

Filipinas are some of the most beautiful women in the world. They have some of the most beautiful

Personalities in the world. They're very charming. Very ladylike. Very feminine

But they know how to stroke your ego

they know how to tell you the things that you want to hear so that you can

fall in love with them feel good about them so that you can start loosening up your grip on your dollars and

putting it in Western Union or however you send it to them.

Be careful about that guys

Not every Filipina is about you

Some of them are about the dollars they all about the Benjamins some of them some of them

There's some good ones out there now, don't get me wrong

But I'm talking about the ones that are gold diggers how you can spot them

She's not working she

Want to get you back she wants you to be her finance manager. Yeah

That's a red flag

Now

How do you tell if a person's a gold digger or not?

Number one good test

If you've been providing funds you've been sending the money gifts, whatever

Start withholding that stuff. Oh

Say let's say for example, you've been sending her $100 a month

And she talking to you regular and you making youfeel all good inside. You just love talking to my boo

I can't wait to get home chat with my boot Yeah, right

But as long as you send in hundred dollars, she's your boo

Miss one payment and see what happens to you. Boo.Mm-hmm. Yeah miss a payment and

You try to get online with her. I'm busy. I talk to you later She'll talk to you two or three minutes and out

Yeah, miss a payment stop sending those gifts see what will happen that's how you determine

If a Filipina is a gold digger

Or not you have to ask questions to and

Questions, you actually read the questions that will determine are they interested in me?

Or are they interested in the money?

Attracted me you attracted the way when you ask questions you

Want to keep that in mind now person that is attracted to you

Will not always talk about money very very seldom and the reason why is because they're not interested in your money

there interested in you

a Person that interested in you won't be talking about money

They'll be talking about you and they'll be talking about them to you about each other sharing their experiences

What a person really loves you and likes you just being with you is enough

Yeah, just being with you

Holding your hand if you're together

Talking online seeing you smiling those things

Are more than adequate when a person really loves you. Yep

So that's how you spot a gold-digger guys

Keep those things in mind

Because Filipinas

Are beautiful women I mentioned before but there's some woman out there

Just won you money then what your money honey? That's it

So, alright so we'll take look at the questions comments here see who's online with me today

We're gonna go through a roll call ready for the roll call. Ahh

so we got here first first we got is uh

Ian Malcolm, what's up Ian?

How long can I stay there as a visitor on my first trip Ian

very good question

basic question

How long you want to stay if you want to stay there?

You can stay up to 29 days at on your tourist. Visa, okay?

up to 29 days

However, if you go beyond the 29 a period you will have to apply for a visa extension, okay?

It's not a big deal. Just go down to the BI. I forgot how had it haven't had a tourist visa Oh

Almost any two years now

but you go down there you pay them some pesos

Fill out some paperwork and you can stay another 29 days now keep in mind Ian

You can do that for up to 36 months Yeah up to three years. You can do that

but after the 36 months you have to leave the country for

At least 24 hours and then you have to come right you can come right back if you choose to do so, okay

So yeah, so you can stay up to 29 days

As tourists on a tourist visa. Alright good question. Good question. Let's give Ian a round of applause

All right Ian thank you for that wonderful question, alright, let's go on down the list hear see who else we got

and we have

Philippines bound what's going on Philippines Bound?

You doing all right today, buddy?

Good good good good, so I don't see you have any questions. So we'll go on to the next person you LisaD Lisa Benaro is my wife Lisa,, Benaro is her maiden name. she always likes to log on. Whatss Up sweetheart> Love you girl, can't get enough of you.

Oh, all right, so who else we got here

Philippines bound asking for money is a huge red flagYeah. Yeah, Philippine

anytime people asking for money, uh

Then you need to back up you need to back up

From them and tell them to back up off from you. All right. Now if you've known this person for a long time

Maybe six to seven months you talk to them

I can see maybe and they say that emergency and you can find a way to prove that emergency

Yeah, maybe 50 bucks means 25 something like that. Well, you just met this person ain't begging you. Um

No anyway

I'm not being a harsh. I'm just a meal

We when people you just met try to beg you for money

It's not about you. It's about the money

All right. Let's see. What else could be out here

Yeah, that's right. Get rid of them right away because

It's taking up space and time in your life for somebody who is legitimate to

Come in and get and don't take up that space away from somebody that's legitimate. So give it up

You don't need to heart it. You don't need the hassle

All right, so we got our eye on you news what's going on?

He said that she get one of the jobs at the cost of it yeah, they can easy something what I met needs to be

Lisad is a beautiful person y'all I'm serious. She's beautiful inside and she's beautiful outside. I'm serious

When I met LisaD, LisaD never asked me for a centavo. She never asked me for a peso

I talked to I talked about six months never asked me for anything at LisaD was working straight up

She's working in a factory

and

We chitchat

Two three times a day every chance we get especially on the weekends, and she never asked me for one cent to me

that meant the that this girl

Had some feelings for me

I started getting feeling for her because it's the first time that I've ever dealt with someone and never ask me for any

funds

Philippine because eventually you could talk to him a day to three days or we add a week so next thing you know

oh my mama see

My papa see, you know, can you save me some money please? Nah

But again

if you've been talking to for a while six months or more so like that you can prove that there's an issue and you

Have a good relationship with them. I don't see a problem

Just I wouldn't say I'm a lot but I don't see a problem with that

but if you just met them no, no, no, you know I

So who else we got here?

Marquel what's going on marquel marquel

Marquel's man. He looks enough. We said yeah. No, you told me last time it's not

It's not the Dominican Republic. It's time told to mingle. Correct mark. Yeah

Now mark he a lot and I've been knowing he do the profile online marquel is from the USA

He is an

Traveler who's a globe-trotting goes all over the world?

and

He he likes to travel and he likes the experiences the finer things in life. Good meaning I

Said we got our newest

Say that we I did that I got lucky. Oh

Good all right. He said I wanna do this says he he did the test. Yeah, he withheld the money

That he was helping out his his lady with for three months and he got lucky. Guess what she stayed with

So that was a good thing he put he put the test on put her to the test

You'd be surprised how many people will leave you if you quit sending them that money cuz I love the Filipinos

It's a racket

You you send their money. They're your best buddy. Yeah, they'll be there every time you spoil the chat. They'll be there right on time

You've missed a payment

You have to go looking for them for the FBI I try to find out what's going on boy. Yeah girl

Because

Money talks and if when money's not there

They do people started walking. So yeah. Yeah, I'm glad you I'm glad you put up their test

beer I

What's going on, Rob?

TV raw TV robinmichel

You guys the chance go to Rob's TV a rap sheet channel YouTube channel. Rob TV, Robin. Shell. I'm a best buddy

Give him

A like on his videos and join his channel. He is from Philadelphia, Pennsylvania

Just moved here his wife is having a baby the first child. He's married to the Filipino and

They are out on the province right now

Fuck think they fuck. You're ready to have the child pretty soon

I think it's a matter of weeks right robber or days. Which one is it Rob?

So, let's knock it's gonna be shortly, I'm sure that

That's it the beer. Let me know. Can y'all hear me out there? Do I need to adjust my mic?

Give me some give me some feedback

Can you hear me out there somebody

Okay, good, thanks Wayne, all right

Just wanting to check with Mike every now they're not that's been these

typhoons coming but for you guys that well you guys that are

Going to move to the Philippines. I

Would suggest that you do your homework as far as location?

Manila it's okay

But personally I prefer a place that very seldom plugs and that's a movie

Cebu we get rainfall, we get it and always get the tail end of everything but nil in the Luzon area

They get the I've storm

Yeah, they get doused with everything I mean anything happen out here as far as the weather look forward to happen

It was almost time. Okay, so I'm gonna bhasayate you see where none of the middle of the part of the country and

The environment here is as friendly as good. It's peaceful

It's not this big assume the no. No, that's like I don't know if you guys ever been in Manila

But it looks like the new york city of facilities is huge

Sometimes can be to ingest as well

It also depends on the suburban area of Manila that you live in like some people live in Korea's on city

Some people live in Makati. Those are small areas, but I lived in Makati would be for mikake

It's very old area and a lot of rich people's about there

All right. Let's keep going down the list here. See

Alright so one other question you guys have for me

You don't have the question for me I got questions for you number one

Give me a reason give me some reasons or ways you could that you determine that?

the

Person you're dating or talking to is

Out for you or for money. What do you do to determine that?

And I'm going down a list

Yeah

Malcolm what would you do to determine if someone you were speaking to?

Was for you or for your money ear mouth but you are spot

Waiting for his response

And

the reason why I ask these questions is because

When we're together like this we learn from each other you learn from me. I learn from you and we all learn together

It's an environment

All right, so let me see here we got I

Want to insist let's not get the werster's done because the weather seems to be yeah. Yeah, it goes northeast most of the time

Most of the time. All right Ian

Ian must even must have went to sleep y'all. He's an ass to question. All right, so let's go down to Philippine bound

Philippine value with me

What would you do to determine what do you normally do to determine if someone is for you or not?

I remember the things you would do

Philippine battle

You must want to see all right, but yeah

The weather here is

decent in Cebu area in a massage area and

That's why I live here

We were when we first when I first moved to I wrote there in December of 2014. Yeah, I don't like New York City

I mean, it's just too congested

so when I found that about that about Manila, I like now and then I also found out them another has a lot of

pollution

and

when I found those things out, I

Knew not for me now Cebu

Don't get me wrong Cebu ass pollution too, but it's not as bad as Manila anywhere in the Philippines has pollution

But it's not as bad as Manila

Because up until it's very very congested. Ah

Wait Johnson never ask money

Okay. Yeah, that's it. Always a good thing

Never asking for money until I offer it

that's what

You should look for when you find someone that never asked you for money

That's a positive trait because most Filipinas if you guys have been online

Eventually will come up with some kind of story some kind of gimmick

to pull your heartstrings

So you can go in your pocket and send some money. So when you find someone that doesn't ask you for money

That sounds almost like a keeper at least least you want to investigate you wouldn't hang with that one personal

Awhile, because that might be a good person for you

now dumaguete or lapu-lapu

Um

They're pretty much like the same

Dumaguete he's a small town and lapu-lapu is not far from me. That's a small town as well

They

Dumaguete has no taxis at all. That's how small you have to have a bike

Motorcycle a trike you have to get around or you have to use your feet and dumaguete

There's no taxis out there though lapu-lapu. They do have some taxis

That's the only difference but they're very small town

Now what I want to do my getting man you tell them what people were staring me down. I mean you

See some white folks out there, but I ain't seen nobody black and that's it. Please do why do people stare?

Okay, they see they see you they see Caucasian farmers, but they don't see African American farmers

Out there that much adieu again now in the end the major cities like the bow

See will another courses they don't they're not gonna stare down black many much cuz they see a lot of them but in a smaller

province smaller cities and provinces

Get ready, buddy

Cuz they're your your you stick out we stand out

Christopher it's going all guy

Waiting Johnson you like the bow tell me bout. What's so good about Wow. I mean, I've got some neighbors

They talk about the vowel a lot. Is that fruit out there? I think it's called jackfruit and

They talk about that a lot and

The city is some work like Cebu. I think the vows the third city third largest city

the first largest of Manila second largest is

The bow bow bow and now second largest is subbu the third largest is dev. Oh, I think that's where it is

Okay our eye on you new says mine asked for money because I have kids there she takes care of my kids monkey, okay

My my kids are not her kid. I don't understand. He says mom you

Have kids there. She takes care of my kids. Okay, so she takes care of your kids there, right?

All right

so

That's why you send her money. She takes care of your kids

He's saying my kids are neither kid tell me some more about that I own I own you

What do you mean your kids are not her kids if she stays scare your kids. I've assume that's your kids

Yeah, the weather hey Terry, hey Terry Terry Edwards, what's up

The weather being safe and very polite into dumaguete is nice place to be

Weather's nice there Cebu is nice and dumaguete but dumaguete is very small very small

I like a bigger city Sabu's about the biggest city. I want to be in I don't want I don't like Manila

I don't my visit in Manila, but I don't want to live there

Terry arias, what's going on, man? Oh

Okay, I want you

Says his kids are from another woman

Well his girl his wife tastes care or his girlfriend takes care. Okay, that's the unusual situation

Very unusual situation why let me ask you this

Why didn't why does not the original mother take care of her children?

I did enough to get someone else to take care of you your children I on you

Tara you just went you just you just left Cebu a few weeks ago hard yet. You have a good time

You should have gave me a shout out to everyone could have got together. Oh

I'm sorry to hear that. I on you he says this kid's mother is kids mother's in prison

Or dead or they're dead so you don't know. Okay, so you don't know where your kids mother?

You kids mother is okay. I got it. So you had to find someone else to take care of them

Well, that's very very very commendable

Commendable of you

You found someone else to take care of your kids because your kids mother's somewhat. It's disappeared. I understand very good thing

That's a noble thing to do. I own you very noble thing to do

It shows you're responsible in the vehicle. And you want to make sure your kids grew up properly. I understand that that's very important

Ter you had some fun, huh? Alright, that's cool

What's going on with the screen here my screens messing up y'all

Now Terry was this first time in Cebu

Wayne Johnson you thought stimulator? Give me a shout out when you get wow

That's that's very sad

How long when the tapping me how long has this been going on? Which when did she leave them? First time here was very

very scary

I'm serious. I

Of the people that I before I came here

I look on YouTube and the person that I had two people two V loggers that I looked at. I

Don't know if you guys remember this guy. His name was pop Z

He's I think he's still on. I'm not on

oh, well, I looked at him and then the other guy I was looking at is uh

RiRi k3k every K Y

And uh, they gave me some pointers

But when I got here, I'm like scared. Yeah, cuz I didn't see anybody like me and it takes a while to adjust

To a new surrounding new situation when you see people look like you

Okay, so it took me a while, but I got used to it

It takes a while I said what was like words I okay. So, uh

Okay, okay I on you you're not in the Philippines

You're doing best trying to make it in the Philippines they're there with my kids

Baco Baco, I don't think I've heard of that. Ah, go buddy ba ba ba ba city

Okay, it's near dumaguete. Okay. Okay, so well, that's good. I'm glad to hear that you are

responsible a

Man, you're taking care of your children. You found somebody to take care of them and you're helping them every month

That's awesome. That's awesome. You're doing everything you can do and

Eventually you will get back there to be you if you choose children and I'm sure that your children appreciate that

Your children appreciate you greatly

Because children the one thing children need in this world is love and and someone to provide roof shelter and food

That's it. And when you do there you mean the world of children they look up to you. So that's awesome

You see I on you you hear what you're did you hear what Christopher said

Did you read what he said? He says story sound too

I'm not doubting them

but

It is it is what it is

you know things happen all the time and as they happen you have to adjust and

If you you have your head on straight you do the right things. He's you know, he's I don't doubt him

He's got his head on straight. He's done the right thing

he's done that he took the bad situation and made the best that he could out of it and

That's that's that's all you can expect

Make the best of the bad situation

Yeah, Terry, it's it's it's quite an adjustment

When you come to the Philippines if you haven't been here ever and you start seeing anybody

Oh my my skin tone it took me that long because I like yeah

It's hard

But I just you learn to adjust as time goes on and my first six months here Terrell. I

Wanted to go home every day I miss

America so much I miss my family so much. I hate it here. I'm serious hated it

But I be more you could be in the Marriott you gonna hear roosters

They gonna wake you up but roosters and then another thing that got to new hair was like every time time took a shower

cold water

It took me a long time I thought about a long time till I got used to cold take a shower cold water

I'm serious. I

Still have some trouble with it today. Okay. I usually wait till the waters warm up to you. I take my shower

Let me go back to what's going on here. I'm sorry. I got got sidetracked

Okay, oh

It to be that you away I on you says three of the three of the five children in his

The other two of their sisters, okay. You don't know who that

Fathers are there. So why not? Take care of them?

While I leave them out. Okay, right. It's not it's a good thing man. Keep doing what you're doing

I want you keep doing you're doing a good thing

You're helping the children your children and you helping their siblings

And I'm sure they will appreciate it

And you know when you when you send in US dollars, it doesn't take a lot to help a family here in a Philippines

I mean you can send

$100 a month two hundred that's a lot especially if they're in the province

That's a lot that two hundred dollars will go a long way in the province. So

Yeah, do what you can and it's not gonna hurt

$220 a mother's not gonna hurt your pocket

You can anybody could spear if you got a job if you got a decent job

That's not gonna hurt you. So yeah, you're doing a good thing

Yeah, Christopher says I applaud you supporting them I do as well as my grandmother said Mama's, baby

Daddies, maybe we DNA test all the kids

Right about that nowadays

Everybody needs to be tested. Nobody don't accept well

You remember either um now no that's nice. Where's the DNA off?

Let's go down to the office first cuz uh, there's too many things going on too many things and these women nowadays

I don't mean you can't trust none o

Most of them a lot up not most oh, but a lot I'm half two and three boyfriend's at the same time, you know

So you gotta you gotta protect yourself

Yeah, man. I love the Philippines to Wayne. I

Love the Philippines I enjoy being here in December. I will have been here for years and

I'm enjoying it to this day

And I I'm a join Lisa D as well these D is a reason

my hair

and she

Helps me in every way. I don't know if I would have been I would have stayed here if it was not for Lisa D

cuz plenty times I want to leave but she told me you gotta stay you gotta tough it out and

That's what I did

And she helped me a lot. She's helped me to this day

Yeah way let's get together

Would you get out of here?

Coach hours are a bad man, but you know what?

I found out one thing about cold showers. If you take them they they help your body invigorate

They help you fight a metabolites better. I looked that up at Google

So for that reason, I still don't like I'm gonna do it. I can put I can deal with it now

All right, who is this?

Ma

My MA. Oh, yeah my for you one the same way. Nineteen. This is my

Fiancee for the first time never saw another. Oh, yeah. Yeah

Yeah

it's hard man when you're

African-american and you come to a country with its very few african-americans

It's it's a culture shock and it takes time to adjust

Thing about it is

The reason why most of us come here is to experience a

Different way of life. So if you keep that in mind, you'll be all right, and that's where I kept my

That's why I came here to see the other side of life

And that's what got me through it in addition to Lisa D telling me stick it out. It's okay

When you have something that's another thing if you move out here and you have somebody here already

Your life is going to be much much more easier and your adjustment period will be very very

short

But if you don't have anybody out here and you have to come out here and start making friends and learning how to do this

It's gonna be hard. It's gonna be hard

So when I moved here prior to moving here

I actually visited for about six years

Off and on and Lisa D. I didn't know these D when I first came out here

she was the last person I dated I did it a whole lot of women online and then came out here started meeting them and

That's why I know about this online dating stuff is you got to be diligent. You have to know

the tricks that they pull on you and you have to be able

Strong enough because a lot of people even they know this tricks that they pull on them. They're not strong enough to resist it and

they'll just put up with it because they've developed an

emotional attachment to the person they get used to that person chatting with them every day and

Sometimes sometimes a lot of you guys they know

That they're being scammed they keep giving them money. Anyway, that's just

how some people are you're weak, but

You know, I was never like I'm not like that if I find out you're not who you say you are

Guess what you out you out, you know you out of my life. I'm done with you, but you know

everybody's got their own way of dealing with thing and that's my way and

Letting it go on. It's all other people's way and it's not to say this, right or wrong

It's just different way of dealing with things

Let's go back to you. See what's going on. Uh

Yeah, Wayne yeah, man

Philippines

Was the first place he says the Philippines were the first country I visited where I felt like a human me a man

How much y'all net when I came out here?

the people treated me very very

Decent and very very well and I was happy about that because in the USA

You like nothing

And you come out here and they treat you like a rock star, you know, it's a good thing man

it boosts your it boosts your

self-esteem

it boosts your self-confidence and

You feel good if it makes you feel good about yourself. And so yeah, that's one of the things I liked about the Philippines and

When I went back and told my family about that

Thought I was kidding

Are you serious? Yeah, I said people treat you like a good person a human being, you know, they don't they're not that racist

I mean there's some out here but I mean they treat you like you're a decent person

Versus in the USA. They were thought I was lying

Okay, so who else we got

All right, Christopher he says two weeks too short to visit that the pet that actually depends Christopher it

Depends on where you're going and it depends on are you going to be visiting your girlfriend or you just come to sightsee?

it just depends, you know, I

Have I have when I was traveling back and forth from the USA to the Philippines? I?

Normally would do 7 to 10 days

that's what I was 7 to 10 days and

Now I found that for me that was adequate enough for what I had to do and I visited girlfriends I

traveled around - from one city to another

And that was more than enough time for me

But you know, it depends on what you got scheduler what you got to do Christopher. I don't know, you know

Two weeks. She be I think - we should be enough for you. It just depends on what you got going on

Yeah, wait, I got a good one man. Lisa D

These these one the best women I have ever met on the face of this earth

And that's saying a lot but yeah, she we have a good match up. We have a good chemistry together

and it's not about the age thing because I'm Way older and she is

But it's about the personality how we blend in together and I found that out a lot of people

When you go to the United States, they got just think about age. Are you - over? Oh, it's the matter

It's not about age. It's about your personality. That's what you should look at age. Doesn't mean nothing

it's how you relate to each other that counts but

The USA is has this thing about age you have you have an older person with the younger person?

They think it's a hang-up but in the Philippines

It's except that an older person whether you're man a woman can go with a younger person a long stare, you know

I've aged pretty like that

But USA is totally different

Okay, this is this, uh

when you say money to the Philippines ended by

World we met where we make gave

56 pesos for every one dollar everyone else 50. Okay. I used to send room I did where we met

I want you for a while

They were they were okay. Okay. I did soom. I know y'all heard his own

The world we went. I know you heard Western Union

Western Union my opinion rocks

Cookies. Hey rockers, don't say anything

if you got any sense don't send any money Western you and you can unless you have to

They just do hi. I did where we met. I did remit Lee

zoom

Wilson

There's one other camping. But yeah, I did after tomorrow, but the one I'm doing now

I do transferwise and then I do that for me cuz it goes straight to my bank and

Also, why not one thing I want to tell you guys if you're coming to live here

Or even if you're coming to visit you should use a foreign bank that has foreign

Accounts that's national international accounts worth so that when you to you go to get money from the ATM

That would be very easy for you one bank that I deal with is called fidelity

Investments, they have a bank their investment company, but they have a bank as well

I've got a checking account with them whenever I pull money on my account. They

Reimburse me for any type of ATM charge

Allocate it all back

So it's like just right being in the state's pulling money out so that I'll encourage you there's another company that does that as well

reimburse it use call swab and

I think Capital One

those three

companies

You may want to get a checking account with them be?

Before you come here to live if you're going to live here move here

or if you want to be visiting for a period of time extended period

You want to get one of those counts that way you won't have to use Western Union and all that kind of crazies

Just pull money straight from your 18. Oh

All right, let's see what those are good

Can you recommend a area near subbu which is cheaper than the main city your

Class Oh bother I think it smaller sure applause good to have you on the channel today

Welcome

I would recommend I

Live in a city called - lamba tal AM VA n - lombok, okay

That is a very safe area. It's about Oh

15 minutes drive from

the main city

and

It's cheaper than city. That's for sure

Another area that a lot of people I recommend whatever a guy came down here back three months ago named Ron Simmons

Ronald Simmons he wanted

an area that was small like dumaguete and

So I recommended

lapu-lapu

Or Mactan, that's near the airport

Now it's a smaller area

But they're very very cheap reasonable but like that very very inexpensive

This housing is whatever you pay in here in Cebu area

You're gonna pay like a third of that there and it's decent

I mean you can find houses near house for like 200 bucks a house. Not an apartment house

That's not cheap it is but this the area is clean. It's nice

the only problem I have with lapu-lapu Mactan area is that they're on an island and when whenever we have like

Typhoon stuff those guys get the worst of it. Okay

But there's another area that I would suggest you take a look at. It's called Bonnie lon. Ba ni la dee

That's another suburban area from the Cebu City and a lot of people

Come here move there. I sell you money want to take a look at that area as well

It's reasonable and it's not overpriced

All right. Let's see what else we get

Racism

Okay, I know I miss one. Oh

ho

Ho I want you. I'm in the nude. I've been to the whole before. It's sort of like

dumaguete

Mark down area it's it's nice. The people are friendly out there

so yeah, I wasn't my island anything about behold beaches beautiful beaches and

the people are very friendly and

So it's a good place to live, but if you if you like me

You need action

I need to be around some people and action and so I like a bigger setting than the Boyar

All right, what else you got here?

Racism yeah racism is racism it. Actually it's very sad in America, but it's actually worldwide

not only in America because you can find racism believe it or not Wayne right here in the

Mm-hmm. Yeah racism. Uh, I mean, it's not as much I

Doubt to say that is the same amount as it is in America

but there is some vestiges you can find it because when you are an

African American

you stand out from everybody else and

a

lot of us

A lot of us have a lot people have people have the ability to point fingers at the one who stands out

And so we we get to punt but you know, it's just a part of life wherever we go on this world

You're gonna apply some of that racism. So you just take it and deal with it when I find it

I don't get angry because I understand what's going on

When you have an understanding of the situation and what causes it gonna deal with it better?

Racism mating problem in my opinion. It's ignorance

ignorance

That's the whole bottom line. They don't know better

And so they can't do better a lot of times and you teach people better show them better. They need do better

and I know I'm

Oversimplifying it, but that's how I look at it

Bitcoin bitcoins get getting up there man

Rico's doing what I do Bitcoin mining

I got Genesis mine Swiss gold a lot and it's doing better. It's doing bad. It's gonna get even better

I do also have I do a lot of stocks

Mutual funds and stocks that I do and that provides the income for at least DME

Let's see what else we got here

Philippines the Philippine the Philippines I look felt loved my family here. Don't even make me Wow

Yeah, this Philippines are great people man. I'm telling you you guys just

Don't know until you actually get out here. It's dark oblivion

Philippines you get out here start living. It's a huge like another world man. I'm serious. It's like another world

I was raising the miracle all my life. I didn't know nothing about this part of the world, honey

You want to come out here, but after a gut-wrenching divorce?

I made my mind and I needed to change and that's why I started looking online

I said man. I want clothes wanted to be married cuz I'm kind of guy

I don't like playing to see I'm not playing. I'm not a player from Yuma lake now. I like to be you have a wife

settled in

someone

So I need a change and Philippines was the place that I chose

Now the other place that I was going start because I had a buddy at work

He married a woman from Thailand

And that's how I got started. You start talking to me

Get a timeline

That's no no, so I started looking online. I started dealing with the times but I

Found I found it. I don't know. It was something about to my life

So I started yelling Philippines online and I'm glad I'm so glad I did

That's what else we got here

Right, it does appear know where you go and what you're trying to accomplish that's so short. So Christmas says I

Definitely got respect for you plan on making

all right Christmas know

How are you? When are you gonna be? Are you going to be moving there permanently to the Philippines? I want your news

Theriot is Oh

The flights Terry man

I I

Used to I used to read I was carrying a book and I read until I was tired and I go sleep

That's how I do it. I carry me a book. I'm big reader. I'll I read everyday

That's how I handle it and then I would also have me up

know

little music

Look

Cassette you just played out. This is to music and this to I like positive

Things so I don't know if you guys ever heard of subliminal

hypnosis and some bits of living old recordings what I listened to those on the flight back and forth and

That helps me to build up my mind because if you keep your mind from 8

You could do anything you want to you can endure things better when you have a strong mind. So that's I dealt with it

Reading and listening to recordings and

Then every every once an hour I'd get up and just walk cuz cuz you then go to sleep and that long but yes

The longest flight. Yeah, I think

The longest flight I was 24 hours

That's cuz I had a lot of lay overs and stuff like that. Those leo was kidding me

I tell you what the best best airlines for you guys are planning to come you

haven't come before the best airlines you want to deal with it is

Korean air hear me. I mean they treat you like a king man. They treat you like a king

They treat those women like Queen I mean food

Excellent. I mean I took out a flights I mean Airlines coming here. Hey Delta

I had Cebu. I had a Philippine Airlines. I had your pan airline

I mean I had a bunch of your lives, but the best one out there is Korean Air

I mean, yeah a little bit higher but it's worth it man because you got a little bit extra

change a

Courier, I mean every time every chance I get I would take Korean here once I found that I took Delta for a long time

But don't that's not the way they used to be they went down

Korean here

They give you these little hot towels and they put it on you can put the hot towel on your face

you rub your hand then when create air they give you these little

Slippers, you know, take the shoes off rest your feet. So yeah Korean here is my airline of choice. I

See what else you got here

Okay my criteria Wayne

Wayne wants to know can you list your criteria how you made to see you to marry you away? I'll tell you

my criteria we was this I

Wanted to see all sides of Lisa D. Not just the side we dealt with online

Okay, so I know my first criteria was

To test her out. Yeah, I have tester I

had to come here meet her to see who's see if she was who she said she was and

What's that? Why she made once she passed that test? Yeah, I know. I had something credible and I could

So the next thing I did I told her I said, you know, I didn't tell her when to marry her

I told her I didn't turn the lock to laughter, but I actually did I told her I liked her a lot

But I didn't wonderful once you get the love or death you trouble

So what I did was I told I liked your ally and I think that I thought that we could

Have something together we continued today and so every year after that

I would come once twice you visit each other and that goes to your mother. Yeah

Okay, I'll be right there. I was your mother and her parents

That's the one thing one thing you want to make sure whenever you're dating if it's a serious relationship

You must okay know if and you must if their parents are live you must

Visit the parents. That's just a matter of respect and decency. Okay, so I would visit her parents

Every time I came that's the first thing we did and so I told Lisa D. I said, I love you

My finally got the love word. And so we I told her that we needed to date for an extended period of time and

We dated for about five years

Five years. I know it's unheard of in the u.s. People get married in two weeks month two months three months

oh, yeah, five years because and the reason why I did that was because I

Needed time to recover

myself and to build myself back up and at the same time I needed to make sure of

Her who she's who she said

she was I need to make sure that I see her in all kinds of different lights and I got to see every part of

her personality and she got to see every part of mine once I knew that that we were compatible and

That it wouldn't be the same old same old that I was used to in the USA. That's it. Okay, that's it

Those are my those are my criteria. Make sure if you looking for somebody

Try to find somebody just working now. I'm not saying everybody is not working. It's not okay, but

If you have somebody that's working. That means they're responsible. They have income. They're not gonna be. Okay, that's one

So I try to find somebody's work

You wanna try to find somebody that has a family mother and father that they respect

If you find a Filipina that does not respect their family and that's not hang around their friend

You don't need that person because family is everything to a Filipina

And if you find a Filipino where the family is nothing, then that's not going to be a good situation for you at all

All right, what else we got here?

Master Joey

How do you know if someone's a gold digger when you know, you're what ugly

I'm not gonna repeat that

That's funny, man

That's funny master duty, I really gotta

See you what I'm not sure what that means

When Johnson

Information. Yeah, I mean I do affirmations every day

I programmed my mind every day for success you have to man cuz there's so much junk out here you

You'd be surprised the stuff that your your mind and your ear ear gates in your mind takes in without you even realizing

It so I have to get the negativity out in order to keep the positivity in

You sleep the whole time on you? Oh wow

Yeah, Jenny. I mean man every time I'm never every time I had a trip, I've always had your legs I'm with you on that

Always that yeah, it takes me it takes about

Four days three or four days for my body adjust once I come from one part of the country of the world to the other

other side

Let's see what that's

Special going on

Okay, I gotta check them out

Okay. Okay. Thanks for that

I on you I didn't know that I'm looking for I go back to the states from visit my family for a little bit

So I'll be checking him out. See what's going on with that

Your Bitcoin

Miners let's see them

I'll know what that means. But yeah, man, um

I'll check it except out. She was going all of them. All right guys

Lisa DS called me

Hey, she wants me to

Take her out to lunch

Well, yeah, it's been real. I'll be back this time. Maybe I

Might try to do two next week. I don't know but it'll be at least once once more

probably

either Wednesday or Saturday and the reason why I don't want to put down a schedule because

These come up and I don't want to say well I'm supposed to be at this time, and I can't make it

So right for right now

I'm just doing it at a kid. So I'll be coming at least once a week now probably

Saturday my time Saturday morning is probably Friday night here. I mean, yeah Friday night there in the u.s

So maybe around this time?

All right, guys, it's been a pleasure for those of you that have not subscribed to the channel

I want to ask you to click on that subscribe button and also on the bill

Notification icon. So every time we do a video you'll get a notification that the videos are new videos out and available for you

Thank you guys. So so very much for supporting a life in the Philippines Lisa DME. It means the world to us

I know you guys

Don't hear me say this

For more infomation >> HOW TO SPOT A GOLD DIGGER FILIPINA - Duration: 1:04:19.

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How Much are NYC Co-op Closing Costs for Buyers? (2018) | Closing Cost Overview for NYC - Duration: 3:30.

Buyer closing costs for co-ops in NYC are approximately one to two percent of the sale price.

Buyer closing costs in New York City are lower for co-ops compared to condos and houses.

To estimate your buyer closing costs in NYC, visit Hauseit's industry leading closing cost calculator at www.hauseit.com

So, what is the largest closing cost for co-op buyers in NYC?

The largest closing cost you'll pay as a buyer of a co-op in New York City is the Mansion Tax.

The NYC mansion tax is a 1% tax which applies to all sales where consideration is $1 million or more

It applies to co-ops, condos and one to three family houses.

The tax is customarily paid by the buyer. If your purchase price is below $1 million, the mansion tax is not applicable.

Aside from the Mansion Tax, buyer closing costs for co-ops also include the following items:

Real Estate Attorney Fee

a typical real estate attorney fee for buyers in NYC is $2,000 to $3,000.

Your attorney may also order a lien search which costs a few hundred dollars.

If you find a less expensive attorney, just make sure that you aren't sacrificing quality for price.

Contract negotiations can also be heavily negotiated and the entire process is time sensitive,

so you'll have the highest chance of actually closing your deal if you hire a seasoned and responsive lawyer.

Co-op Application and Move-in Fees

a typical co-op in NYC will charge buyers a purchase application and credit fee.

In addition, buildings typically charge a move-in fee and/or a move-in deposit.

A conservative estimate for your total building fees as a co-op buyer in New York City is $2,500.

Bank Fees

if you are financing the purchase, you'll have a few bank related fees which include:

a bank application fee, an appraisal fee, a loan application fee as well as recognition agreement and UCC-1 filing fees.

A conservative estimate for your total bank fees as a co-op buyer in New York City is $3,000.

Is it possible to reduce your closing cost bill as a co-op buyer in NYC?

Yes. You can save $20,000 or more on the average New York City co-op apartment by requesting a legal and tax-free Hauseit Buyer Closing Credit.

That means you can eliminate or substantially reduce your closing costs in NYC while receiving free assistance from one of our experienced partner brokers.

Sellers pay 100% of all real estate commissions in New York City.

If you choose not to work with a buyer's agent, the listing agent representing the seller pockets the entire commission.

By requesting a Hauseit Buyer Closing Credit,

you'll be paired with a traditional buyer's agent who has agreed upfront to share a portion of their commission with you at closing.

All Hauseit partner brokers are reputable, highly experienced real estate brokers who never openly discount their services.

As a result, they have great working relationships with the brokerage community

so you'll never have to worry about other agents treating them or you any differently just because you're receiving a discount at closing.

To request a Hauseit Buyer Closing Credit, visit www.hauseit.com

More questions about buying a co-op in New York City?

Ask the community in Hauseit's Forum, where buyers, sellers and New York real estate professionals come together to discuss the toughest questions in real estate.

For more infomation >> How Much are NYC Co-op Closing Costs for Buyers? (2018) | Closing Cost Overview for NYC - Duration: 3:30.

-------------------------------------------

What You're Worth to God - Duration: 1:20.

- I was reading the Word one morning

and it says Jesus washes His bride

in the washing of water with the Word.

I read that scripture

and immediately I saw myself as a filthy bride.

Filthy.

And the Lord was going over to a vase of water

and He was putting His hands in this water

and very gently coming and just releasing it over my head.

And what I realized was, He had been doing this

since the day I got saved.

Did you know that when you got saved,

God knew you were not a short project?

(audience laughing)

How precious Jesus is.

You know, when they restore a masterpiece,

like been through a fire, they use a Q-tip?

And they go months at a time

and all they're trying to do is

to get the smut and stuff off

of the painting without touching any of the paint.

And they'll sit.

I'm too ADD.

I would take a paint scraper after it.

But did you know that that's what God has been doing to you

because you're so precious?

I could see how Jesus was not trying to scrub me down

but for all the years since I have been saved,

He was just taking His Word

and just gently washing me with it.

For more infomation >> What You're Worth to God - Duration: 1:20.

-------------------------------------------

How to Parallel Park | Infinity Insurance - Duration: 1:43.

Hi, I'm Fabi from Infinity Insurance, and today

I'm going to give you 10 easy steps to help you learn how

to parallel park, so let's get started!

First, find the right space.

Find a space that's several feet longer than your car

and pull up right next to the car you are planning

to park behind.

Next, position your car to the parked car you wish

to park behind.

It's important to let other drivers know your intentions,

so do so by breaking and turning on your turn signal.

Before reversing make sure to check your mirrors and

look over your shoulder.

Now it's time to put your car in reverse.

Release the brakes and slowly begin to reverse your car along

the side of the parked car until you see the other car's plate

in the middle of your window.

Turn your steering wheel to the right.

Straighten the steering wheel as you continue to move backwards.

Once the front of your vehicle has passed the back bumper of

the vehicle in the parking spot in front of you,

begin to turn your steering wheel to the left.

Once you reach your desired parking position, be sure to

check how close you are to the cars in front and back of you.

Remember to leave no more than 12 inches of distance from

your parked position to the curb.

Now you're a parallel parking expert! Until next time!

For more infomation >> How to Parallel Park | Infinity Insurance - Duration: 1:43.

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How To Strategize for Your Social Security Benefits - Duration: 1:36.

As life expectancy has grown, your retirement now can last between 20 and 30 years.

So Social Security planning is critical, no matter how much money you have.

It can make a difference of hundreds of thousands of dollars.

For example, if you retire at age 62 and pass away at age 86, you'll receive at least

25% less for 24 years.

But, if you wait to retire at age 70, you'll receive 32% more for 16 years.

If your retirement income at age 66 was $2,000 per month, this could be a difference of over

$200,000 during your lifetime.

Arriving at a decision on when to retire is not easy.

If you retire early, it could affect your spouse's benefits.

And wages and other taxable income could cause up to 85% of your Social Security benefits

to be exposed to income taxes.

Proper planning takes all of these factors into account to determine a Social Security

strategy.

For instance, a repositioning of assets could reduce taxable income and provide for more

reliable monthly income.

With over 500 different combinations of factors affecting benefits, it makes sense to talk

to a financial advisor and get it right.

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