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02-27-16 15:30 #9941
Posts: 994Vibrators, dildos etc
Have noticed on Photo gallery pics of girls and assorted toys.
What's the go here? A bit of extra stimulation? An alternative while us older gents recover?
Should I invest in some before I go? Are they a novelty and thus lead to a better session. ??
Newbie asking.
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02-27-16 15:20 #9940
Posts: 4567That's a lot of blue paper. Do you go to the bank with a wheelbarrow?
Originally Posted by GoodEnough [View Original Post]
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02-27-16 06:25 #9939
Posts: 4051Originally Posted by Sympalogy [View Original Post]
GE.
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02-26-16 18:37 #9938
Posts: 246HSBC Davao
Originally Posted by RedKilt [View Original Post]
Address: G / F Luisa Building, Emilio Jacinto Ext, Davao City, 8000 Davao del Sur, Philippines.
I'll check it out on the ground soon and report.
Also, I don't have an HSBC account, where I am, it has the worst customer service of all banks. But it's the bank that gives the most money in the ATM in most countries, so I use it.
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02-26-16 10:42 #9937
Posts: 6782Originally Posted by RedKilt [View Original Post]
The only 'pain' I have is when it insists sending me a verification text message but won't do so to my roaming number. This has caused untold grief in the past especially in the CIS states and led to the blocking of my credit card. Dealing with HSBC's CS was not easy at that time.
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02-26-16 08:15 #9936
Posts: 3230Originally Posted by MrEnternational [View Original Post]
The small device is no bigger than a thumb drive and is simple to use. If you lose it or forget to bring it then you can use 2 passwords already registered instead. I find the small device quite ingenious and carry it with me at all times when travelling I keep it with my passport).
I like the added security HSBC have added for internet banking. There are a lot of very smart hackers out there who would love to get into anybody's accounts. I also don't pay fees because of the way my account was originally set-up.
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02-26-16 07:28 #9935
Posts: 607Originally Posted by DonaldSucks [View Original Post]
PC out.
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02-26-16 05:14 #9934
Posts: 16038Originally Posted by RedKilt [View Original Post]
P.S. I opened both accounts online. I am from the US so the HSBC address was Buffalo, New York. The Charles Schwab address is Reno, Nevada. Neither account required a minimum balance.
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02-26-16 04:57 #9933
Posts: 206Originally Posted by XMan [View Original Post]
For me its been strictly about having a safe place to put my money to sustain my travels while I'm there. My first account they didn't have rules but now you are right they require a local address. I think still they don't really give a shit in reality. You could use your hotel address frankly. Its all a game last time I opened an account. If I had to open one today I would use my small friendly hotel in AC address. They store my bag and the manager is a trusted friend. Its not like they send monthly statements. Its all a pretense. Before when I used my GF addresses they never sent them statements. Maybe its changed in 2016 as my experiences are a few years old and world bankers tighten the screws on pathetic phils banks to gather info on foreigners.
I just park cash there while I'm there so I can suck it out from ATM's. If you try to suck it out from your bank, they will cream you with fees.
As I said if you rely on associated bank ATMs they are very unreliable in the provinces and offline.
If you retire there not close to a foreign bank branch you will have to establish some local banking account. Not to park serious money but to have fee free access to your money.
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02-26-16 04:52 #9932
Posts: 3230Originally Posted by Sympalogy [View Original Post]
I respectfully suggest that HSBC ATMs are only in Makati (inc Rockwell and Enterprise Center) and Ortigas in Manila, near Ayala Mall in Cebu and in Davao; nowhere else (unless I can be enlightened).
There are none in Lao PDR (Vientiane). They are here and there in Hanoi and HCM in Vietnam, and I couldn't find one in Phnom Penh (Cambodia).
Note that all HSBCs, though an international bank, are franchise operations in each country, so it's HSBC Philippines, with all of the Philippines regulations and minimum depositis / insurances etc.
The good thing about HSBC cards though is that you can use them in most ATM machines pretty well anywhere (if you check the bank logos on the front of the ATM).
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02-26-16 01:03 #9931
Posts: 4567Good information on banking. I was told you must have residence in Philippines to open a local account. Is that the case?
Looking at the retire in Philippines info, you must have a certain amount of money in the country. Isn't that a contradiction?
Where I live the HSBC has a very high minimum. Pantot, I remember the original Schwab info but never followed thru. I'll have to look at that again.
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02-25-16 21:10 #9930
Posts: 246HSBCs everywhere
Originally Posted by Pantot [View Original Post]
But yeah, if your needs take you to smaller parts of the PH, then BDO is recommended as the best of the ones that suck. I'm not "permanent" enough in PH to make a bank account.
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02-25-16 14:32 #9929
Posts: 340Schwab Bank High Yield Investor checking account
Someone from ISG turned me on to the Schwab checking account a year ago, and it has been great. No foreign transaction fees and they reimburse the ATM fees that most Filipino and Thai banks will charge you. I can use any ATM and take out as much or as little as I want. I don't need to withdraw 20,000 just to avoid paying an ATM fee, at the cost of feeling like a mugging target. I transfer funds from my regular bank to this one a few days before my trip. If, heaven forbid, I happen to get scammed by an ATM skimmer, the damage is limited to what I have in this smaller account. Like most banks, they require a heads-up before you use the card overseas. And it does take a few days for them to credit a transfer to the account. But there are no fees.
My thanks to whoever tipped me off to this.
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02-24-16 17:04 #9928
Posts: 206Originally Posted by Sympalogy [View Original Post]
I have had a few BDO accounts and one RCBC account. In general yes Phils banks suck and they will eat you up in fees with small accounts but so do banks in my country. They don't charge fees on ATM withdrawls if you use their branch and its better than walking around with your entire trips budget in your moneybelt. They have never stolen my money or lost it. If you go to a branch its always a time consuming experience. But its like everything else in the country. In the provinces the chances that your banks ATM will be down that day may be 1 in 3. BDO has a 10 K limit per withdrawl and its actually higher than the other Phils banks which have a limit of 4 k or 5 k. If you are withdrawing your home bank if they are on the network the low limit per transaction + fees will eat you up.
Here is how I make having a Phils account work for me. Occasionally I will do a latin american business transaction which will involve a wire transfer not big enough to alarm anyone but still some real money. The phils bank won't convert it at the best rate into a peso account but its tax free money so who cares? Another avenue is Paypal. I have a Paypal account which is based nominally in the Phils and I can withdraw money directly into the Phils bank. I set it up years ago maybe the rules have changed but it was real easy. That can only be done to a peso account not a dollar account BTW. Then the money is there waiting for you and available all over the country. At BDO its 10 K per wthdrawl but you can do I think 2 or 4 per day if I remember its been a while since I needed that much.
My first account was with Equitable PCI bank which later was gobbled up by BDO. Somehow it remains under the old rules so they don't fuck with with fees for a low balance as my other subsequent accounts in thiers and other banks which ultimately led to them all closing by thier own accord due to fees. Phils banks online banking systems are a nightmare. Enter your password wrong like my clumsy fingers combined with my bad memory and they always lock my account and say go to a branch. Since I don't live there I'm screwed until the next visit.
If you travel throughout the country for the combination of branch availability plus the 10 K per transaction I would 'reccommend' BDO. They still suck don't get me wrong but its a land of the blind one eyed man perspective. They don't have a BDO in Calbayog so once I ended up with a RCBC account if I remember right their per withdrawl was 4 k or 5 k.
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02-24-16 15:46 #9927
Posts: 461Originally Posted by Hutsori [View Original Post]
Fine, thanks! Who's this please?
it's me!
Yes, hello! What is your name please?
It's me, you don't remember?
Yes, what is your name please? What city are you in please?
You don't remember me?
Sweetheart, I'm sorry, I do not have magic power, I can not guess who belongs to every number in the Philippines.
Fine then! Goodbye!