If you have a bank account in the US, make sure you have submitted a Payable on Death (POD) form. That names your beneficiary and the money can be collected upon presenting the death certificate. It doesn't need to go through probate and supersedes the will. This is very important if you have significant savings.
If you are already in the Philippines, do not bring your Pinay back to the US or assist with green cards or citizenship under any circumstances. You will regret it. I know a lot of guys who did this, and it became a nightmare. The Pinay took them to the cleaners, and the guy lost big time in divorce court here. Pinays can be very calculating, and the financial risks of bringing them to the US and helping them with green cards/citizenship far outweigh any possible rewards. Many guys learn this the hard way. You will lose big time. If you want to help them posthumously set up a will and trust. Sure there are rare exceptions, but the odds are NOT in your favor.
They want a better life for not only them but their whole family. Who could blame them? They would do anything possible to leave the Philippines in search of better paying jobs, etc
@toddsellars Sorry to hear that is your view about Filipinas. Generalizing all Filipinas is a big mistake. I'm married to an Australian and worked on my visa to lived there. After 20 years of being happily married, I've enriched my career and achieved financial independence. I'm the one jokingly telling my husband, since we've made it to 20 years, you are now entitled for parole on good behavior and don't need to serve your life sentence. His respond is he's not going to let me go that easy 😂 There's always an honest and sincere Filipina out there like a diamond that you'll have to find.
One of your best topics and a very difficult one to discuss! Most of the time, the man has/makes the money and if the Pinay has little to nothing or left their job to be with you then 100% yes you need to make sure she is taken care of afterwards. Every situation is so different, old man, young girl, etc. I have a binder, will, finances spreadsheet and my filipina wife and I update it and discuss it every month. Thanks Steve and stay safe, Jimbo and Gennalyn from Georgia!
Hi Steve - Great video! But as important as the info was, you missed mentioning another huge pitfall - if the intention is to take care of a wife/gf and kids. The problem is that with whatever money they do get, they will immediately be under ENORMOUS pressure to turn it ALL over to their family, so it can be distributed to everyone “fairly.” Or the parents keep it all for themselves, telling her they “owe it to her,” or that they can “manage it better than she can” but they “invest it” in things like other family member’s business start-up scams. The only way I can see to avoid this is to never give them a lump sum! Instead, set up with the largest, most stable and honest bank or institution available, to give them small monthly payments for a long time (weekly or every other week would be even better.) It also has to be set up to verify the payments continue going to the right person, so her parents don’t just take it over, or someone doesn’t give her 10 cents on the dollar now to buy all the future rights to the proceeds, which happens all the time in the states. Or because she now has a lot of money, an abusive new husband takes over and keeps all the money for himself. Who wants all the money he provided to be wasted keeping some derilict and his friends drunk for years, while treating your woman and kids like worthless slaves, who can't get away because he has all your money??? I think you should do a seperate video on this after researching it with a good attorney and some institutional finnancial managers. Getting attorney and institutional advice isn’t that hard or expensive. Other influencers do it by having a meeting in the professional’s office, and in exchange for the free meeting, show them that the video will be seen by thousands of potential customers. Some will even do it just for the attention and momentary internet fame, since all it costs them is a little time, and may bring them new clients. Also let them know the video will stay up for years to come. I think this advice can be an important contribution - especially for the guys who really do care about what happens to her/them after he is gone. I really enjoy your videos - thanks for all you do for us!!! Dan Zarlengo
Doesn't really matter if it's a lump sum or not. The family will be like vultures all over it. The unemployed brother in law will have a lot and the girl will have to find work again asap
Dan, that's sounds like a good idea. You seem to have a lot of good information. Soynd like a good opportunity for YOU to do a video on this subject. It's easy for us to be armchair idea makers on the sidelines, let's not put it all on Steve. I'm not trying to be a smart ass, I'm legitimately saying this might be an opportunity for YOU. BTW, good idea, your suggestion is definitely worth looking into.
Important topic. The problem with dying is that no one ever gets good at it. It's always a first time experience so you don't get to learn from your mistakes. Be prepared because once you're gone, loyalties can change and there are no second chances once you walk through those pearly gates.
Thanks Steve, you are the only vlogger I have seen address this subject, even after directly messaging some well known vloggers who have recently gotten married or have long term relationships.
Steve,once again you insite is head and shoulders obove other volggers yes this info is the most critical that you can give your spouse,thanks for caring for your follow man God bless you sir.
The Whiff / Smell of "Money" temps most of us (does me), But family members (people) often "go off the deep end with insane (sick) Greed" .. I pride myself on being, fair & honest, doing the right thing, and respecting family a loved ones wishes .. Yes to Instructs on "a Binder" (All Info & Instructs) But if you Truly Care.. "Be Responsible, Put it Writing & Make it Legal" .. And if your a Caregiver and are promised something "Get It in Writing" .. People are generally (typically) Avoidant & Irresponsible when it comes to "estate planning" .. "It's On You" (ea of us) ..
It's a double edge sword. The insurance policy could very much be the reason why you're gone. One 'd think building a house upfront instead of having her go through all that but that also clearly could be the reason why you're gone. Building a house is a sure way to take a dirt nap. Danm you do danm you don't.
I hear it's important to set things up so that you aren't worth more dead than alive. If you're going to build a house it's important from the get go that she owns it and can take it without killing you. Better to be scammed out of a house then killed for a house. If she's worth buying a house for, then you have to trust her enough to own it.
@@elinope4745 It's a dumb idea and a big hassle to build a house in these conditions. Personally, I'd just rent unless there was a legal way for me to own it without the liability of death which there isn't. When you rent you move around better.
Exactly right! I know a filiipina who lost her entire inheritance to her husband's daughter. He wrote a will, but he left his only bank account to his daughter, the executor, and she changed the will and left her with only enough money to fly back to the Philippines. She was married to him for 10 years and she and her family took care of him for almost a year after he had a severe stroke. Absolutely incredible, and there was nothing she could do about it legally (I checked) because his daughter was named as the beneficiary upon death.
That is quite an assumption that you are making that his daughter changed his will. If his daughter was the beneficiary on his only bank account he may not have had other assets in excess of his debt in his estate. The bank account transferred outside of the estate. You do not know the man's intentions.
@@dontcensorme9853 He was a friend of mine and they lived with me for a few years. I spoke with him about it and I read the will. I also knew his daughter. He did the beneficiary on death so it would avoid probate and he trusted that his daughter would follow his will. He had no debt and it was a simple will to distribute the money in the account. She even took half of the filipina's son's portion and gave it to her sister's son.
My wife is an American Citizen,,so I am covered,,my wife is listed on my union pension and will get my ssn,,but sounds like what family members do. Sad
No matter how good your Filipina is they still tell their family everything. My concern would be if chismis gets around in her family that she has control of your finances in event of your death and possibly stands to collect a windfall from insurance also then you'll become a target. It would be easy to hire a hitman here for 100000p and without you to protect her the family would get their hands on the money pretty quick.😊
Legally it can go both ways, no matter what a person writes in their will, their biological child can fight for something in court, and it is a significant percentage
Another issue is other people trying to contest the will. It costs them little, and they may end up with everything. That is why well-written trusts are important. Since the money isn’t “yours” anymore, there is nothing for them to take. Also, many wills these days reduce the problem by leaving some tempting amount of money to the possible problem people, but including the provision in the will (this is proven to be legal) that they receive nothing if they try to contest the will. That gives them a lot to lose if they try.
Even if you live in the U.S., you should have a binder, etc so your wife or others knows what to do ( what accounts you have, policies, etc, etc) Get things in order no matter where you live, so your survivors know where every thing is located.
Great subject matter! I’m setting my girlfriend up with time deposits, in the amount of 100 K PHP, in as an example, BPI and Metro banks. Time deposits are currently paying 5%. Pag-IBIG Fund Member get 7% on 5 year time deposits.
Well thank God no Filipina GF or wife of mine will get ripped off by my 2 son's. I already have a trust and all my saving and retirement money is going to them. They are my flesh and blood and they will get it all. I won't be having any kids in the Phil's, but if I did they would get my SS money which I have been told is around $700 a month.
First, I'm assuming the binder you're referring to is all the instructions your gf/wife needs to do. Sort of like a checklist. That's a good start. Second, a living will, no matter if a gf/wife, should be written and notarized by an attorney. This will specify who receives anything and what the portions of their entitlements are, whether it be money or properties, etc. Third, so long as the Will meets the standard basic requirements of the country you are from, there shouldn't be any issues unless contested from family, and then it goes to probate court to be sorted out. Fourth, if it's your wife and she has never been to the States, the US embassy will issue her a visa and allow her to fulfill the 5 year requirement of living in the US. Without that requirement, she will not be eligible to collect survivor benefits from your SSA. Under that visa, she would also be able to visit in person to any banks to close accounts so long as she has all the documents needed. Hopefully, there's enough funds for her to survive for those 5 years, or she has to work. I believe being self-sufficient is a requirement of the visa. As to a GF, no matter what documents she has and you signed, she will never become authorized to receive SSA benefits and could run into several complications trying to get access to your bank, no matter if she is listed as Beneficiary in your will. One would be, how does she contact them and coordinate proving a Will from here and two, if she has to go in person, how would she go if she can't get a tourist visa. There's so many things to think about if you want your Filipina set for a good life after. Even after all the expenses for a funeral/cremation, etc., life will be tough enough for her to deal with having extra bills, not thought of prior.
Thanks for this--I hadn't even known about item 4. It's disappointing that even with a will and her name specified as a beneficiary that a GF could still have trouble getting what her man has setup for her when he dies. Maybe having a lawyer on both sides of the ocean would help with carrying this out.
@napoleonmdusa8877 It's a difficult task for a GF to even talk to the correct person at a US bank or brokerage firm as customer service can bounce you around to different people, start paperwork, then talk to another person and they tell you to fill out something different. It's not a straightforward process. Hiring a probate lawyer is the best way, but it can be expensive. Theres too many things that have to get done. Suggest looking at a probate lawyer in New York as many banks have their corporate offices there, and NY has a somewhat better process than other states. Hiring a Philippines lawyer for US probate issues would seriously be a waste of time as most wouldn't know the US codes or how to obtain the tax clearance needed by any bank to release funds. Even with a US probate attorney, the process could take up to 9-18 months.
@@rfbos Thanks for the additional information. I think I now understand why many expats just get, or have built, a house for their wife or GF in the Philippines that she can live in after her man passes away. That seems more like a sure thing and she'll likely understand how that will work best for her.
If she's not in the US then it's so much harder for her to get benefits. Not only that even if she did then her family members would all want their cut at it. She would need a job asap
Just a short note to let you know that I plan on being back in the Philippines on 15 February. I have been on a quick 9 month trip back to Indiana to visit mom for her birthday.
I don't live in the Ph yet, here is a question. Can an expat set up a trust account with a lawyer so that when he dies, an allowance is given to the wife or girlfriend each month? I have heard about some Filipina's difficulty in budgeting, and they spend a lifetime's earnings in a year and then are broke.
Having a binder also applies if you are staying in the US, or leaving everything to an American relative. It has been 8 months since my mother died and we are having difficulty collecting a small life insurance policy from her employer because we don't have her employee identification number. They say they know she worked there because of health insurance records but they can't process it without the id number.
I have had that experience many years ago when my mother passed. We knew she had a small insurance policy, did not make finding out the details a priority while she was alive as her care and feeding came first. After she passed, I wrote to a dozen or so insurance companies that we knew and did business with, PROVIDING ALL HER INFO SS number, date of birth, death certificate, past addresses, just did not have policy number. Slowly, ALL responded, no policy on file, no such person in our file, all denied having a policy on her. Finally, FOUR YEARS later a company sends a letter to my deceased mother ASKING IF SHE WANTS TO ADD ON TO HER EXISTING POLICY! Decorum and decency do not permit me to repeat what I said to them, finally we had the policy number, and the excuse was given "Oh, it must have been in a different archive." Only bright spot is they paid off the policy 4 years later, with interest, which increased the base amount of policy by about three times. These insurance companies do this quite often, hope that they are not contacted by relatives of the deceased, and do nothing to contact the beneficiaries of policy when someone does pass.
Death can create greed among family. Time & again, Ive seen it from people when soneone dies, and the squabbling begins over money & personal possesions of the deceased
It happens in any death. People get greedy and do things to take as much as they can. Even in the states and even if there isn't that much the lust for money trumps everything. To do. 1, get a POD (payable on death) on your bank accounts. 2, get a will written up and have copies with the lawyer, your girl, and others you can trust. A will trumps any claims by a former family. The guy needs to ensure the woman is better off than when he met her.
Smart move my friend, I've set up the same. I made the documents binding as she is my legal wife. My son has a policy that will be his but 80% goes to my Wife.
I totally agree that you should take care of your business in regards to your end of life wishes. Perhaps a good recommendation to a reputable attorney who deals with this is in order. Instead of buying a house and lot, I would set up a life insurance policy that states your WIFE gets this money. If you are not married at the time of your death, then have a secondary on the policy because you may out live her . This information doesn't need to be shared with your wife or anyone else as you could be worth more dead than alive, which is another video in the making. How or where do you want to be interned, or do you wish to be cremated. You can set up arrangements and actually have a place built in a cemetery, which can be a place for you and your wife to rest. I don't know how property ownership laws work in regards to internment plots in the philippines, but that's another video. The important thing is that you prepare for the worst so you can live the best life that you can. Remember that you don't owe anyone anything, and whatever you do will come from the kindness of your heart. Whatever money you set aside for death is money that you won't have when you're alive so be prudent and and do your homework as you may end up dumped in a ditch somewhere and that will be the end of your story.
This is true with some of those people working in the Embassy, some are nasty attitude. I have been in and out since Jul 07 due to all my concerns and most are good, but they are overworked as they tell it.
If Expats were serious about their relationship, they would marry and legally put a ring on the woman’s finger. They would also make it so financially, the money would be in his and the wife’s hands in the Philippines, not in America. If it is unsafe for the Expat to follow that procedure, he’s living in a lie just like the expat’s family believes. Don’t go to a Third World country to play house! Anyone knows that if there is money sitting in the Philippines and a woman or the family knows it’s there, it will be gone.
I think each case has it's unique circumstances and I would say although your suggestions are honorable....this can put the expat in a very vulnerable position financially. You hear many stories about western men getting taking to the cleaners after building a house for their significant other...or creating joint savings accounts. So, I respect these men who in many cases got cleaned out by their x's and courts of their assets while living in the west. In regards to the exact topic communication and buttoned up legal precision is the way to go to make sure your Filipina loved one is taken care of.
@alleng6801 I strongly disagree with your sentiment. Firstly, its not the ring on the finger that is the paramount importance here, it is the will of the deceased. What was the will of the person who did own the money. Marriage or GF, it is the will of the deceased that should have the last word. Secondly, if you are financially smart, you know it is not wise to bring all your money to PH, or any other country in SEA. There are so many reasons to keep your money out of SEA, and it is all about risk-mitigation. That is, if you have any decent wealth to protect. And if you have some wealth, you probably have some of it tied up in investments like dividend paying stocks or bonds, or even yield form crypto staking if your are an early retired Millenial or GenX. I really doubt these investments are available to expats in SEA. Investments like this are usually available in you former home country. And last, if you know anything about whamen, if you are smart about it, you do not want "the money would be in his and the wife’s hands in the Philippines". Believe me, do not be naive about the whamens nature. You do not want their hands on your hard earned savings. Stay in frame, use a lawyer, or several lawyers, in your "home" country outside of her control or knowledge, make a proper will that will be executed according to your will. Edit: I would not even let the girlfriend or wife know about such a document. The smart move is to be more worth alive to her, and her family. Edit, edit: I would not tell my family back home either. The same logic holds for them. Make sure you are more worth to them alive, and make sure you stay in frame, and that your will get executed.
Good video. It's a little different in my home country. An authorized executor is appointed to clarify who/who will inherit. All insurance companies require you to register a beneficiary. Agree that a number of people do not plan what will happen when they die. As you said "I don't care because I'm dead". I think it is selfish and irresponsible. When I see an older man with a younger woman and a young child, I sometimes wonder if they are saving money for the child's schooling, his funeral, and how his survivors will manage when he is gone. Many vloggers report their monthly budgets in their posts but hardly anyone reports how much they save. Maybe it's because they already have money saved.
Good info Steve ! --- Curious also about costs for glasses / eye exams - dentures over there (?) and - hearing aids costs ? --- Reasonable - or - expensive ?
Many Filipinas marry extremely older men, knowing that there is a pot of gold at the end of the rainbow. What usually ends up happening is that there is years of degeneration and medical bills that eat away at a person's assets and in the end there could be a bill due and the rainbow has turned into a money pit . Sure, some expats leave a will and an insurance policy, but those medical bills will come out of that policy. Medical insurance is a good way to curb some of this, but if long-term care is required in a medical facility, the insurance company may faulter and find an excuse to terminate the policy. How can we find a way to insure our needs when we are no longer able to ourselves. Are there policies that will cover these things and what is the ultimate cost factor. Medicare is not available in the philippines, so are we actually looking at returning home for our final years? Is that the inevitable conclusion, or should we have alternative solutions. What do the Filipinos do.
Google Medicare Advantage Companies (MAC)! MAC provides emergency care coverage outside the United States. You are required to pay for services. Upon arrival in the USA, submit a claim for payment. Your payment to the company currently is $164.00 per month. My company includes prescription drugs. You must apply in the USA, have a current phone number, and a street address. Also I have a mailbox service, receive all my mail and quarterly pharmacy items. Find some coffee shop expats for more information! Good luck
@gail Filipinos would take care of their family members who needs full time care. Regardless whether there is money or not in the family. Traditionally Filipinos would look after their elderly at home until they die. Unlike in Western culture where the elderly are sent to Nursing Homes or Aged care centers. So if you end up with a traditional and decent Filipino family, you will be taken cared for regardless if you run out of money.
Greed , some will tie her up in court for years out of greed . Family, friends, they are all capable of this even if you think they are good people once you die money gets in the way of moral decisions. Get a plan in Philippines for her just in case going to her
Many Filipinas may mistakenly believe that they are supposed to have an inheritance when a properly executed last will or even a clearly articulated intent to their executor, leaving them specific assets has not been set up. If my relative died and a girlfriend called me asking for money in error, I would discuss with them and try to clearly explain whether or not they were included in the estate but that would be the end of it. Nothing would change if they kept wanting to talk about it and I would not be inclined to waste my time. The fact is many of the men do not care enough to protect their lady. Others are simply too cheap to legally document their intentions. Some are even afraid they would have a lower life expectancy if they did. Men can hire a reputable law firm, they should not always choose to have a relative as the executor of their estate. Is it not possible to set up beneficiaries for brokerage accounts there? Those do not even go thru your estate. Also, it does take time to settle an estate so passing assets directly to beneficiaries outside of the estate is preferable. This is not legal advice. I'm not an attorney but have dealt with some of these issues before.
These younger Filipinas see these 60+ year old guys as the meal ticket out. They should not have high expectations in getting much. It is their bad if they stop working. So many of them don’t think of the future
Dear Fellow Dudes: Even if you’re young, and even if you’re single, put something in writing. I tried to get my Dad to write instructions and preferences before his dementia got REALLY bad, but he wouldn’t. Now he’s considered not dysfunctional or unhealthy enough to be placed -against his will-in a nursing facility, but at the same time, he has no idea what’s going on and he cannot take care of himself.
The simple solution is to sort out a watertight arrangement in the event that you die. Just don't die intestate since that leads to all kinds of legal wrangling. Make a valid living will. My family is sorted. I have made a will, as has my wife, at my insistence, although she feels she is 'too young' to think about such issues!. There will be no question as to who gets what. Our property is wholly owned and is in trusts. The kids - our son and my step-daughter - will own our property outright, with no legallly counter-claim or challenge as to the validity of the document. A couple of hundred bucks chucked to a competent lawyer, and then validated by another lawyer, will suffice. My relatives, ex-wife, etc.,and her family, have no claim to anything, apart from my eldest son for whom I have made provisions. i don't intend popping my clogs anytime soon since I'm in my 50s but anything could happen, so it pays to be prepared.
It is inherent on the expat to have a Will for distribution of assets. If it’s not in writing it didn’t happen. Even if not married there should be a life insurance policy, unbeknownst to the girlfriend so she doesn’t knock you off LOL, to take care of her in case of their demise. Otherwise it is what it is. Good luck!
Seems like most of these women are gold diggers. If it’s not in the will, too bad for them. These guys may not have been in the right mind when making the will. You shouldn’t forget about your kids in the U.S. who have to work all their life’s. These GF’s don’t work.
Exactly it's usually common place around the world to pass money down to children. It's the main reason a Filipina should never ever sit at home all day and so nothing for when this day comes
I've already taken care of all my burial situation. My daughter will handle it completely. and as far as my girlfriend. Here in the Philippines built her house. We live apart. Bought her some livestock for income. She does have kids. She'll be training to do a remote work on the computer. I bought her a laptop. She'll be fine.
@@patrickmunneke8348 Assuming they weren't mistreating, or cheating on him... His Filipina was probably there for him when no one else wasnt, and cared for him when he couldn't on his own because his kids wouldn't or couldn't. Secondly if it's life insurance, he didn't exactly earn that either. And lastly, what are you gonna do with your money when you die anyway, you can't take it with you, plus generally the real persons that benefit from an inheritance are grandkids or grand nephews/nieces that you may have had no real connection with or even met. If dead at a late age, your kids are already grown up and financially established so they end up saving it or buying thier own kids gifts.
If this is happening, it's the expat's fault for not having any kind of plan and foresight. The binder is good, but have a will drawn up. And have a copy in the binder for a lawyer here to work with lawyer in your home country. Make sure your life insurance covers you and a benefactor overseas. A lot don't but a lot do. It's not that hard, it's a days worth of tasks at most. Stop being lazy if you want your significant other taken care if you pass.
I was told if you have a life insurance policy in the USA and move to the Philippines the policy in void….. so check maybe in the Philippines you can buy life insurance?
Imo if she was nice to you, been with you.. and if you’re going, share some money with her please. Can’t take it with you, if anything make it as a thank you gift
Put everything in a trust and let the trust be the beneficiary and executor. Leave instruction for distribution. "Never underestimate the other guys greed" scarface.
It's just poor planning. My wife is beneficiary of everything. I've got a notebook with info on what to do. Need to train wives about survivor benefits on social security as well. It isn't just when you die. You need to have a limited power of attorney on the chance you get disabled. I would've been screwed if I didn't have one for my mom. Without it in the US you can't easily even change a postal address, talk to credit card companies, etc. Need to authorize them to talk to health care in US. Another big one people don't do is talk about end of life care. Do you want to be in an old folks home, stay at home, feeding tube, be resuscitated, etc. I did care for almost 17 years between two parents. Everyone who documented their wishes...got what they wanted. The ones that didn't got kind of screwed. I've seen people in my own family tell a parent to sell their house and move in with them. Then they stuck them in an old folks home. People can be shits when it comes to money. Don't trust anyone. Documentation is always best.
If you're not living together with your GF whose from the other side of the world, then fair enough that you leave all inheritance to your children. But if you do lived together, then the decent thing to do is leave her inheritance. Specifically if she's taken cared of you during your times together. Do your children in the US keep in touch with you regularly? Do they check daily how you're going and your health? Most of the times not especially children from western cultures.
If you have a bank account in the US, make sure you have submitted a Payable on Death (POD) form. That names your beneficiary and the money can be collected upon presenting the death certificate. It doesn't need to go through probate and supersedes the will. This is very important if you have significant savings.
Yes correct, This is what my mother had in place with her teacher retirement account
If you are already in the Philippines, do not bring your Pinay back to the US or assist with green cards or citizenship under any circumstances. You will regret it. I know a lot of guys who did this, and it became a nightmare. The Pinay took them to the cleaners, and the guy lost big time in divorce court here. Pinays can be very calculating, and the financial risks of bringing them to the US and helping them with green cards/citizenship far outweigh any possible rewards. Many guys learn this the hard way. You will lose big time. If you want to help them posthumously set up a will and trust. Sure there are rare exceptions, but the odds are NOT in your favor.
They want a better life for not only them but their whole family. Who could blame them? They would do anything possible to leave the Philippines in search of better paying jobs, etc
@toddsellars Sorry to hear that is your view about Filipinas. Generalizing all Filipinas is a big mistake. I'm married to an Australian and worked on my visa to lived there. After 20 years of being happily married, I've enriched my career and achieved financial independence. I'm the one jokingly telling my husband, since we've made it to 20 years, you are now entitled for parole on good behavior and don't need to serve your life sentence. His respond is he's not going to let me go that easy 😂
There's always an honest and sincere Filipina out there like a diamond that you'll have to find.
Yup, happened to my friend here.He has 2 kids with her. Then started partying and met some younger guy. She moved out and left him with the kids.
@@airlinename2614 younger guys always will be a threat to take a girl a way from an old guy no matter if they are in the Phils or US.
@@youngandfree93that’s why I always say if your over age 50 get a vasectomy . No guy needs baby’s after age 50.
One of your best topics and a very difficult one to discuss! Most of the time, the man has/makes the money and if the Pinay has little to nothing or left their job to be with you then 100% yes you need to make sure she is taken care of afterwards. Every situation is so different, old man, young girl, etc. I have a binder, will, finances spreadsheet and my filipina wife and I update it and discuss it every month.
Thanks Steve and stay safe, Jimbo and Gennalyn from Georgia!
Hi Steve - Great video!
But as important as the info was, you missed mentioning another huge pitfall - if the intention is to take care of a wife/gf and kids.
The problem is that with whatever money they do get, they will immediately be under ENORMOUS pressure to turn it ALL over to their family, so it can be distributed to everyone “fairly.” Or the parents keep it all for themselves, telling her they “owe it to her,” or that they can “manage it better than she can” but they “invest it” in things like other family member’s business start-up scams.
The only way I can see to avoid this is to never give them a lump sum!
Instead, set up with the largest, most stable and honest bank or institution available, to give them small monthly payments for a long time (weekly or every other week would be even better.)
It also has to be set up to verify the payments continue going to the right person, so her parents don’t just take it over, or someone doesn’t give her 10 cents on the dollar now to buy all the future rights to the proceeds, which happens all the time in the states.
Or because she now has a lot of money, an abusive new husband takes over and keeps all the money for himself. Who wants all the money he provided to be wasted keeping some derilict and his friends drunk for years, while treating your woman and kids like worthless slaves, who can't get away because he has all your money???
I think you should do a seperate video on this after researching it with a good attorney and some institutional finnancial managers.
Getting attorney and institutional advice isn’t that hard or expensive. Other influencers do it by having a meeting in the professional’s office, and in exchange for the free meeting, show them that the video will be seen by thousands of potential customers.
Some will even do it just for the attention and momentary internet fame, since all it costs them is a little time, and may bring them new clients. Also let them know the video will stay up for years to come.
I think this advice can be an important contribution - especially for the guys who really do care about what happens to her/them after he is gone.
I really enjoy your videos - thanks for all you do for us!!!
Dan Zarlengo
Doesn't really matter if it's a lump sum or not. The family will be like vultures all over it. The unemployed brother in law will have a lot and the girl will have to find work again asap
Dan, that's sounds like a good idea. You seem to have a lot of good information. Soynd like a good opportunity for YOU to do a video on this subject. It's easy for us to be armchair idea makers on the sidelines, let's not put it all on Steve. I'm not trying to be a smart ass, I'm legitimately saying this might be an opportunity for YOU. BTW, good idea, your suggestion is definitely worth looking into.
Important topic. The problem with dying is that no one ever gets good at it. It's always a first time experience so you don't get to learn from your mistakes. Be prepared because once you're gone, loyalties can change and there are no second chances once you walk through those pearly gates.
Thanks Steve, you are the only vlogger I have seen address this subject, even after directly messaging some well known vloggers who have recently gotten married or have long term relationships.
Glad to help
Steve,once again you insite is head and shoulders obove other volggers yes this info is the most critical that you can give your spouse,thanks for caring for your follow man God bless you sir.
The Whiff / Smell of "Money" temps most of us (does me), But family members (people) often "go off the deep end with insane (sick) Greed" .. I pride myself on being, fair & honest, doing the right thing, and respecting family a loved ones wishes .. Yes to Instructs on "a Binder" (All Info & Instructs) But if you Truly Care.. "Be Responsible, Put it Writing & Make it Legal" .. And if your a Caregiver and are promised something "Get It in Writing" .. People are generally (typically) Avoidant & Irresponsible when it comes to "estate planning" .. "It's On You" (ea of us) ..
It's a double edge sword.
The insurance policy could very much be the reason why you're gone.
One 'd think building a house upfront instead of having her go through all that
but that also clearly could be the reason why you're gone.
Building a house is a sure way to take a dirt nap.
Danm you do danm you don't.
I hear it's important to set things up so that you aren't worth more dead than alive. If you're going to build a house it's important from the get go that she owns it and can take it without killing you.
Better to be scammed out of a house then killed for a house. If she's worth buying a house for, then you have to trust her enough to own it.
@@elinope4745
It's a dumb idea and a big hassle to build a house in these conditions.
Personally, I'd just rent unless there was a legal way for me to own it without the liability of death which there isn't.
When you rent you move around better.
@@VENEMPASTOR That is the better option nineteen times out of twenty. Renting means that you are needed in the future to help pay rent.
@@elinope4745
Exactly 💯
Exactly right! I know a filiipina who lost her entire inheritance to her husband's daughter. He wrote a will, but he left his only bank account to his daughter, the executor, and she changed the will and left her with only enough money to fly back to the Philippines. She was married to him for 10 years and she and her family took care of him for almost a year after he had a severe stroke. Absolutely incredible, and there was nothing she could do about it legally (I checked) because his daughter was named as the beneficiary upon death.
That is quite an assumption that you are making that his daughter changed his will. If his daughter was the beneficiary on his only bank account he may not have had other assets in excess of his debt in his estate. The bank account transferred outside of the estate. You do not know the man's intentions.
@@dontcensorme9853 You are correct
@@dontcensorme9853 He was a friend of mine and they lived with me for a few years. I spoke with him about it and I read the will. I also knew his daughter. He did the beneficiary on death so it would avoid probate and he trusted that his daughter would follow his will. He had no debt and it was a simple will to distribute the money in the account. She even took half of the filipina's son's portion and gave it to her sister's son.
@@dontcensorme9853He didn’t say he was assuming she changed it. Why are you assuming that is the case?
My wife is an American Citizen,,so I am covered,,my wife is listed on my union pension and will get my ssn,,but sounds like what family members do. Sad
No matter how good your Filipina is they still tell their family everything. My concern would be if chismis gets around in her family that she has control of your finances in event of your death and possibly stands to collect a windfall from insurance also then you'll become a target. It would be easy to hire a hitman here for 100000p and without you to protect her the family would get their hands on the money pretty quick.😊
This is an important topic. Thanks for covering it.
Glad you liked it!
Legally it can go both ways, no matter what a person writes in their will, their biological child can fight for something in court, and it is a significant percentage
Great INFO. I was wondering about this.
Another issue is other people trying to contest the will. It costs them little, and they may end up with everything.
That is why well-written trusts are important. Since the money isn’t “yours” anymore, there is nothing for them to take.
Also, many wills these days reduce the problem by leaving some tempting amount of money to the possible problem people, but including the provision in the will (this is proven to be legal) that they receive nothing if they try to contest the will.
That gives them a lot to lose if they try.
Even if you live in the U.S., you should have a binder, etc so your wife or others knows what to do ( what accounts you have, policies, etc, etc) Get things in order no matter where you live, so your survivors know where every thing is located.
A binder feels very old school approach in a digital world we live in now
@@youngandfree93 Sometimes practicality trumps "feels".
Great subject matter! I’m setting my girlfriend up with time deposits, in the amount of 100 K PHP, in as an example, BPI and Metro banks. Time deposits are currently paying 5%. Pag-IBIG Fund Member get 7% on 5 year time deposits.
Well thank God no Filipina GF or wife of mine will get ripped off by my 2 son's. I already have a trust and all my saving and retirement money is going to them. They are my flesh and blood and they will get it all. I won't be having any kids in the Phil's, but if I did they would get my SS money which I have been told is around $700 a month.
First, I'm assuming the binder you're referring to is all the instructions your gf/wife needs to do. Sort of like a checklist. That's a good start.
Second, a living will, no matter if a gf/wife, should be written and notarized by an attorney. This will specify who receives anything and what the portions of their entitlements are, whether it be money or properties, etc.
Third, so long as the Will meets the standard basic requirements of the country you are from, there shouldn't be any issues unless contested from family, and then it goes to probate court to be sorted out.
Fourth, if it's your wife and she has never been to the States, the US embassy will issue her a visa and allow her to fulfill the 5 year requirement of living in the US. Without that requirement, she will not be eligible to collect survivor benefits from your SSA. Under that visa, she would also be able to visit in person to any banks to close accounts so long as she has all the documents needed. Hopefully, there's enough funds for her to survive for those 5 years, or she has to work. I believe being self-sufficient is a requirement of the visa.
As to a GF, no matter what documents she has and you signed, she will never become authorized to receive SSA benefits and could run into several complications trying to get access to your bank, no matter if she is listed as Beneficiary in your will. One would be, how does she contact them and coordinate proving a Will from here and two, if she has to go in person, how would she go if she can't get a tourist visa.
There's so many things to think about if you want your Filipina set for a good life after. Even after all the expenses for a funeral/cremation, etc., life will be tough enough for her to deal with having extra bills, not thought of prior.
Thanks for this--I hadn't even known about item 4. It's disappointing that even with a will and her name specified as a beneficiary that a GF could still have trouble getting what her man has setup for her when he dies. Maybe having a lawyer on both sides of the ocean would help with carrying this out.
@napoleonmdusa8877 It's a difficult task for a GF to even talk to the correct person at a US bank or brokerage firm as customer service can bounce you around to different people, start paperwork, then talk to another person and they tell you to fill out something different. It's not a straightforward process.
Hiring a probate lawyer is the best way, but it can be expensive. Theres too many things that have to get done. Suggest looking at a probate lawyer in New York as many banks have their corporate offices there, and NY has a somewhat better process than other states.
Hiring a Philippines lawyer for US probate issues would seriously be a waste of time as most wouldn't know the US codes or how to obtain the tax clearance needed by any bank to release funds. Even with a US probate attorney, the process could take up to 9-18 months.
@@rfbos Thanks for the additional information. I think I now understand why many expats just get, or have built, a house for their wife or GF in the Philippines that she can live in after her man passes away. That seems more like a sure thing and she'll
likely understand how that will work best for her.
If she's not in the US then it's so much harder for her to get benefits. Not only that even if she did then her family members would all want their cut at it. She would need a job asap
Good topic&great points👍Women need to be educated about this everywhere Tc Steve💛🙏
In America it takes 10 years of marriage before wife can collect.
Just a short note to let you know that I plan on being back in the Philippines on 15 February. I have been on a quick 9 month trip back to Indiana to visit mom for her birthday.
I don't live in the Ph yet, here is a question. Can an expat set up a trust account with a lawyer so that when he dies, an allowance is given to the wife or girlfriend each month? I have heard about some Filipina's difficulty in budgeting, and they spend a lifetime's earnings in a year and then are broke.
Yes
Shocking, but unfortunately not surprising , some people are just evil…
Many thx for posting this…
100% agree; all good points.
Having a binder also applies if you are staying in the US, or leaving everything to an American relative. It has been 8 months since my mother died and we are having difficulty collecting a small life insurance policy from her employer because we don't have her employee identification number. They say they know she worked there because of health insurance records but they can't process it without the id number.
I have had that experience many years ago when my mother passed. We knew she had a small insurance policy, did not make finding out the details a priority while she was alive as her care and feeding came first. After she passed, I wrote to a dozen or so insurance companies that we knew and did business with, PROVIDING ALL HER INFO SS number, date of birth, death certificate, past addresses, just did not have policy number. Slowly, ALL responded, no policy on file, no such person in our file, all denied having a policy on her. Finally, FOUR YEARS later a company sends a letter to my deceased mother ASKING IF SHE WANTS TO ADD ON TO HER EXISTING POLICY! Decorum and decency do not permit me to repeat what I said to them, finally we had the policy number, and the excuse was given "Oh, it must have been in a different archive." Only bright spot is they paid off the policy 4 years later, with interest, which increased the base amount of policy by about three times. These insurance companies do this quite often, hope that they are not contacted by relatives of the deceased, and do nothing to contact the beneficiaries of policy when someone does pass.
I’m sure a lawyer can clear that up real quick
Death can create greed among family. Time & again, Ive seen it from people when soneone dies, and the squabbling begins over money & personal possesions of the deceased
It happens in any death. People get greedy and do things to take as much as they can. Even in the states and even if there isn't that much the lust for money trumps everything.
To do. 1, get a POD (payable on death) on your bank accounts. 2, get a will written up and have copies with the lawyer, your girl, and others you can trust. A will trumps any claims by a former family.
The guy needs to ensure the woman is better off than when he met her.
My wife is the direct beneficiary of my insurance, pensions, and benefits. No one else is listed.
That’s the way it should be
Smart move my friend, I've set up the same. I made the documents binding as she is my legal wife. My son has a policy that will be his but 80% goes to my Wife.
That’s how I have my insurance also for my Filipina wife.
Need to check if she needs to be a US citizen for your pension and insurance pay out ?
And what would she need to supply them to collect?
@@Cowboysfan4everMany life insurance policies are void when you move to another country
Great topic! Definitely need to be proactive with our wills.
Yes we do
I totally agree that you should take care of your business in regards to your end of life wishes. Perhaps a good recommendation to a reputable attorney who deals with this is in order. Instead of buying a house and lot, I would set up a life insurance policy that states your WIFE gets this money. If you are not married at the time of your death, then have a secondary on the policy because you may out live her . This information doesn't need to be shared with your wife or anyone else as you could be worth more dead than alive, which is another video in the making. How or where do you want to be interned, or do you wish to be cremated. You can set up arrangements and actually have a place built in a cemetery, which can be a place for you and your wife to rest. I don't know how property ownership laws work in regards to internment plots in the philippines, but that's another video. The important thing is that you prepare for the worst so you can live the best life that you can. Remember that you don't owe anyone anything, and whatever you do will come from the kindness of your heart. Whatever money you set aside for death is money that you won't have when you're alive so be prudent and and do your homework as you may end up dumped in a ditch somewhere and that will be the end of your story.
This is true with some of those people working in the Embassy, some are nasty attitude. I have been in and out since Jul 07 due to all my concerns and most are good, but they are overworked as they tell it.
If Expats were serious about their relationship, they would marry and legally put a ring on the woman’s finger.
They would also make it so financially, the money would be in his and the wife’s hands in the Philippines, not in America.
If it is unsafe for the Expat to follow that procedure, he’s living in a lie just like the expat’s family believes.
Don’t go to a Third World country to play house!
Anyone knows that if there is money sitting in the Philippines and a woman or the family knows it’s there, it will be gone.
I think each case has it's unique circumstances and I would say although your suggestions are honorable....this can put the expat in a very vulnerable position financially. You hear many stories about western men getting taking to the cleaners after building a house for their significant other...or creating joint savings accounts. So, I respect these men who in many cases got cleaned out by their x's and courts of their assets while living in the west. In regards to the exact topic communication and buttoned up legal precision is the way to go to make sure your Filipina loved one is taken care of.
@alleng6801 I strongly disagree with your sentiment. Firstly, its not the ring on the finger that is the paramount importance here, it is the will of the deceased. What was the will of the person who did own the money. Marriage or GF, it is the will of the deceased that should have the last word.
Secondly, if you are financially smart, you know it is not wise to bring all your money to PH, or any other country in SEA. There are so many reasons to keep your money out of SEA, and it is all about risk-mitigation. That is, if you have any decent wealth to protect.
And if you have some wealth, you probably have some of it tied up in investments like dividend paying stocks or bonds, or even yield form crypto staking if your are an early retired Millenial or GenX. I really doubt these investments are available to expats in SEA. Investments like this are usually available in you former home country.
And last, if you know anything about whamen, if you are smart about it, you do not want "the money would be in his and the wife’s hands in the Philippines". Believe me, do not be naive about the whamens nature. You do not want their hands on your hard earned savings.
Stay in frame, use a lawyer, or several lawyers, in your "home" country outside of her control or knowledge, make a proper will that will be executed according to your will.
Edit: I would not even let the girlfriend or wife know about such a document. The smart move is to be more worth alive to her, and her family.
Edit, edit: I would not tell my family back home either. The same logic holds for them. Make sure you are more worth to them alive, and make sure you stay in frame, and that your will get executed.
Good video.
It's a little different in my home country. An authorized executor is appointed to clarify who/who will inherit. All insurance companies require you to register a beneficiary.
Agree that a number of people do not plan what will happen when they die. As you said "I don't care because I'm dead". I think it is selfish and irresponsible.
When I see an older man with a younger woman and a young child, I sometimes wonder if they are saving money for the child's schooling, his funeral, and how his survivors will manage when he is gone. Many vloggers report their monthly budgets in their posts but hardly anyone reports how much they save. Maybe it's because they already have money saved.
Good advice for anyone
Good info Steve ! --- Curious also about costs for glasses / eye exams - dentures over there (?) and - hearing aids costs ? --- Reasonable - or - expensive ?
Prior proper planning prevents piss poor performance!
Many Filipinas marry extremely older men, knowing that there is a pot of gold at the end of the rainbow. What usually ends up happening is that there is years of degeneration and medical bills that eat away at a person's assets and in the end there could be a bill due and the rainbow has turned into a money pit . Sure, some expats leave a will and an insurance policy, but those medical bills will come out of that policy. Medical insurance is a good way to curb some of this, but if long-term care is required in a medical facility, the insurance company may faulter and find an excuse to terminate the policy. How can we find a way to insure our needs when we are no longer able to ourselves. Are there policies that will cover these things and what is the ultimate cost factor. Medicare is not available in the philippines, so are we actually looking at returning home for our final years? Is that the inevitable conclusion, or should we have alternative solutions. What do the Filipinos do.
Google Medicare Advantage Companies (MAC)! MAC provides emergency care coverage outside the United States. You are required to pay for services. Upon arrival in the USA, submit a claim for payment. Your payment to the company currently is $164.00 per month. My company includes prescription drugs. You must apply in the USA, have a current phone number, and a street address. Also I have a mailbox service, receive all my mail and quarterly pharmacy items. Find some coffee shop expats for more information! Good luck
@gail Filipinos would take care of their family members who needs full time care. Regardless whether there is money or not in the family. Traditionally Filipinos would look after their elderly at home until they die. Unlike in Western culture where the elderly are sent to Nursing Homes or Aged care centers.
So if you end up with a traditional and decent Filipino family, you will be taken cared for regardless if you run out of money.
You must protect your new family from your old family
Greed , some will tie her up in court for years out of greed . Family, friends, they are all capable of this even if you think they are good people once you die money gets in the way of moral decisions. Get a plan in Philippines for her just in case going to her
And Make it Legal ..
Many Filipinas may mistakenly believe that they are supposed to have an inheritance when a properly executed last will or even a clearly articulated intent to their executor, leaving them specific assets has not been set up. If my relative died and a girlfriend called me asking for money in error, I would discuss with them and try to clearly explain whether or not they were included in the estate but that would be the end of it. Nothing would change if they kept wanting to talk about it and I would not be inclined to waste my time. The fact is many of the men do not care enough to protect their lady. Others are simply too cheap to legally document their intentions. Some are even afraid they would have a lower life expectancy if they did. Men can hire a reputable law firm, they should not always choose to have a relative as the executor of their estate. Is it not possible to set up beneficiaries for brokerage accounts there? Those do not even go thru your estate. Also, it does take time to settle an estate so passing assets directly to beneficiaries outside of the estate is preferable. This is not legal advice. I'm not an attorney but have dealt with some of these issues before.
These younger Filipinas see these 60+ year old guys as the meal ticket out. They should not have high expectations in getting much. It is their bad if they stop working. So many of them don’t think of the future
Dear Fellow Dudes: Even if you’re young, and even if you’re single, put something in writing. I tried to get my Dad to write instructions and preferences before his dementia got REALLY bad, but he wouldn’t. Now he’s considered not dysfunctional or unhealthy enough to be placed -against his will-in a nursing facility, but at the same time, he has no idea what’s going on and he cannot take care of himself.
Good advice Steve,
The simple solution is to sort out a watertight arrangement in the event that you die. Just don't die intestate since that leads to all kinds of legal wrangling. Make a valid living will. My family is sorted. I have made a will, as has my wife, at my insistence, although she feels she is 'too young' to think about such issues!. There will be no question as to who gets what. Our property is wholly owned and is in trusts. The kids - our son and my step-daughter - will own our property outright, with no legallly counter-claim or challenge as to the validity of the document. A couple of hundred bucks chucked to a competent lawyer, and then validated by another lawyer, will suffice. My relatives, ex-wife, etc.,and her family, have no claim to anything, apart from my eldest son for whom I have made provisions. i don't intend popping my clogs anytime soon since I'm in my 50s but anything could happen, so it pays to be prepared.
Any body who doesn't solidfy the beneficiaries and use your binder idea is just wishful thinking. Imo...
It is inherent on the expat to have a Will for distribution of assets. If it’s not in writing it didn’t happen. Even if not married there should be a life insurance policy, unbeknownst to the girlfriend so she doesn’t knock you off LOL, to take care of her in case of their demise. Otherwise it is what it is. Good luck!
@k9 make sure you don't mention the insurance policy to your Gf coz she might think you're worth more dead than alive to her 😂
watching😊
Thanks for watching
Seems like most of these women are gold diggers. If it’s not in the will, too bad for them. These guys may not have been in the right mind when making the will. You shouldn’t forget about your kids in the U.S. who have to work all their life’s. These GF’s don’t work.
Exactly it's usually common place around the world to pass money down to children. It's the main reason a Filipina should never ever sit at home all day and so nothing for when this day comes
You are right
What should matter is the wishes of your loved one who trusts you to do as you agreed.
I've already taken care of all my burial situation. My daughter will handle it completely. and as far as my girlfriend. Here in the Philippines built her house. We live apart. Bought her some livestock for income. She does have kids. She'll be training to do a
remote work on the computer. I bought her a laptop. She'll be fine.
That's life,sometimes a gold digger will dig and never get gold. Lol
In my video "How to protect yourself from her" l made mention on what legal paper work one needs to prevent this from happening.
GF or wife need to be listed as the beneficiary.
The 4M is real.... they want to be compensated for thier love. Fair trade
Not fair at all. What have they done to earn your money?
@@patrickmunneke8348 Assuming they weren't mistreating, or cheating on him... His Filipina was probably there for him when no one else wasnt, and cared for him when he couldn't on his own because his kids wouldn't or couldn't.
Secondly if it's life insurance, he didn't exactly earn that either.
And lastly, what are you gonna do with your money when you die anyway, you can't take it with you, plus generally the real persons that benefit from an inheritance are grandkids or grand nephews/nieces that you may have had no real connection with or even met. If dead at a late age, your kids are already grown up and financially established so they end up saving it or buying thier own kids gifts.
Are there good Life insurance in the P.I. or an international Plan?
Yes, Pacific Cross
If this is happening, it's the expat's fault for not having any kind of plan and foresight. The binder is good, but have a will drawn up. And have a copy in the binder for a lawyer here to work with lawyer in your home country. Make sure your life insurance covers you and a benefactor overseas. A lot don't but a lot do. It's not that hard, it's a days worth of tasks at most. Stop being lazy if you want your significant other taken care if you pass.
We are doing the 5 year plan, after 6 years we are getting married and going back for 5 years so she will be able to get my SS when I'm gone
It’s sad but the pigs at the trough always seems to win same anywhere England no different
I was told if you have a life insurance policy in the USA and move to the Philippines the policy in void….. so check maybe in the Philippines you can buy life insurance?
Not true
@@MrSteven5975Steve in my so far very limited research, sometimes it's true. I'm pretty sure it would have to be addressed in the exclusions though.
thx ,,good video !
10001 % !
Imo if she was nice to you, been with you.. and if you’re going, share some money with her please. Can’t take it with you, if anything make it as a thank you gift
Sound advice. - WW
Great advice Steve! How do I ask you questions about other things? Do you have an email? Tc Steve
Steven5975@yahoo.com
I tried that one 😉@@MrSteven5975
Put everything in a trust and let the trust be the beneficiary and executor. Leave instruction for distribution. "Never underestimate the other guys greed" scarface.
Then you just have to trust the trustee.😊
@@mattbraban8637 I guess if the attorney wanted to risk being disbarred for a few thousand dollars. Remember everyone has the same paperwork.
It's just poor planning. My wife is beneficiary of everything. I've got a notebook with info on what to do. Need to train wives about survivor benefits on social security as well. It isn't just when you die. You need to have a limited power of attorney on the chance you get disabled. I would've been screwed if I didn't have one for my mom. Without it in the US you can't easily even change a postal address, talk to credit card companies, etc. Need to authorize them to talk to health care in US. Another big one people don't do is talk about end of life care. Do you want to be in an old folks home, stay at home, feeding tube, be resuscitated, etc. I did care for almost 17 years between two parents. Everyone who documented their wishes...got what they wanted. The ones that didn't got kind of screwed. I've seen people in my own family tell a parent to sell their house and move in with them. Then they stuck them in an old folks home. People can be shits when it comes to money. Don't trust anyone. Documentation is always best.
Your money should go to your children and inheritors not some GF on the otherside of the world.
Both
If you're not living together with your GF whose from the other side of the world, then fair enough that you leave all inheritance to your children.
But if you do lived together, then the decent thing to do is leave her inheritance. Specifically if she's taken cared of you during your times together.
Do your children in the US keep in touch with you regularly? Do they check daily how you're going and your health? Most of the times not especially children from western cultures.
No hat ?!
back the camera a little way from your face please
YES YESS
OMG YES
Yes i agree 100%. Its the right thing to do !
My wife is the beneficiary on my life insurance. All of our bank accounts are joint.
That’s smart
Check because you’re insurance if taken out in the USA and you moved to the Philippines than your policy is no good or voided….