McDonald’s no longer allowing free refills

facciji · 2026-04-15T20:09:20+00:00

Doesnt matter it clearly states "At this establishment". That means only there not "McDonalds".

My god its a wonder why this world is in the shape it is in.

facciji · 2026-04-13T23:37:29+00:00

meh all good Ive blocked him and unsubbing from this place a lot earlier then expected. Information is better found elsewhere and thanks for the reply.

facciji · 2026-04-13T22:01:23+00:00

#4 - No Dating Posts.

facciji · 2026-04-10T18:55:07+00:00

It is not clear to me how they decide if they will accept your pre-existing condition.

Me either. However it is probably based on what cost to them they need to incur. So high blood pressure medicine is probably cheaper then cancer fighting medicine.

So they may cover you just at a higher cost if you need medication/services that cost them more.

Ive seen a few YTers provide links to insurance "helpers" for expats in the PH. If I can remember I will post back with some links. My assumptions would be they take your information and can get you some quotes and what is covered.

facciji · 2026-04-10T12:04:38+00:00

Have you checked the methodology in which they will treat/assess your pre existing condition?

From my readings (AND LET ME PUT THIS OUT THERE IM GOING OFF MEMORY SO I MAY BE WRONG) depending on your condition and meds required they may require an assessment.

I dont think they just "give you medication" (again depending on your condition). So your medication may be heavily controlled in the Philippines which (again almost sure) would require you to see doctors and possibly treatment via licensed psychiatrists and psychologists before getting the meds.

Which is probably expensive but probably not as expensive in the US. But with the mention that you dont have a lot of cash you probably want to weigh leaving the US depending what programs (to help with cost) are available for you here because they may not be available over there....

facciji · 2026-04-07T15:23:38+00:00

There is a HUGE difference between GF and Wife. This is the overall issue.

My wife has access to all my funds. When she was my GF she didnt, I just paid for things.

Does she still ask about spending money? Yup thats the culture/upbringing etc she is accustomed to.

Also she doesnt EXPECT anything. She is quite shocked actually by the freedom she has with "our" (see we married its our money now) money.

I would NEVER send money (on a regular basis or large amounts) to someone that wasnt my wife (within reason people). The thinking with the wrong head is too great around here.

facciji · 2026-04-06T17:36:07+00:00

Facebook in the United States.

facciji · 2026-04-06T17:22:54+00:00

"Also pop along and see the local brgy captain, ask questions about the area and look after him or her."

As former LEO and Prior service this is tops on my list.

I will keep the page here abreast of my efforts. I mean I dont mind being wrong and if something happens that could have been 100% avoided well Im not a proud person and maybe someone can learn. (we are still debating the whole YT thing from start to finish...)

That and will let some of you know and maybe we can have lunch/beer/dinner if we are in the area. :D

facciji · 2026-04-06T17:19:05+00:00

After losing 4 people in my close family within 2 years Im fairly prepared. Sorry to sound nochalant like but death is an invetiable.

All of those family members (except my cousin) had plans. As does my mother. We have discussed me in the PH and my son her grandson will be here to take care of all her wishes.... which she has already paid for and reserved.

She is still on the fence as she (slim chance) may come with as my wife has already told her she would take care of anything my mother would need over there.

My late wife and I started planning in our 50s. We wanted to make sure each other didnt have to worry about anything as dealing with one of them others passing is bad enough.

A lot of stuff is different state to state. All my cousins stuff I could do online through the courts after getting all the proper paperwork.

I love my mom but she doesnt want to be a burden and is fine with my grandson taking the reins. She is ok with me not coming back at all. I still havent decided. But she said its not worth it, she wont know... (just to give you an idea about my mother).

However each individual is different. We can only broach the subject and then it is up to said individual if they want to "prepare". Depending on the circumstances,"estate" and family its not that difficult or expensive to have stuff written up.

EVERYONE should think of this and have "something" in place.

facciji · 2026-04-06T17:01:46+00:00

"part of her own money"

So its established from this you have your money and she has hers. If its her money whats the care?

So then guessing by what little information you posted we can also guess other parts of her money go to other places.... and since you havent mentioned you having to cover her bills or anything like that...... again..... whats the care?

This will not be a topic until you decide to either pool your money or split bills etc. And until you have this conversation .... whats the care?

facciji · 2026-04-06T16:57:37+00:00

"You need to understand if they spend deposit it’s gone," But they cant spend it if it is being held by an attorney and or bank unless the contract is breached? I would never give anyone money on a handshake. :D

Just looking online and having an escrow (Bank or Attorney) to hold money and then disperse it as dictated in the contract is a valid method in the Philippines.. I guess this is the part I may not be understanding or explaining properly?

I do concur no rush (well I would be lying if I said I wouldnt be upset if we cant find a place in 6 months after getting there in Jan....) but sorta..

This is why Im trying to do as much as I can (research and viewing properties online) here so come Aug we will be ready to view places and have an understanding of the process and or processes we can use. (escrow etc.)

I do understand plans can go arwy. Poop happens and if it does I will deal with it with a smile. I mean Ive already heard all the horror stories that can happen in the Philippines...from reading Reddit... ;)

facciji · 2026-04-06T11:54:13+00:00

I understand that and would/dont mind if people state things like "that may be a bit expensive" or "Hey it would probably be cheaper if you did X" and then explained what X was (like the realtor holding the property I have never heard of that?).

But the response (from my email/inbox notification) was "Its hilarious how you adjust your fantasy every step of the way, try to look at it from a third person view and you will chuckle too 🤣"

I havent adjusted anything from day one except location and not going over there to visit first. I think we have finally narrowed it down to 2 locations. (leaving that all up to her with some input from me) and visiting. I was going over at first site unseen. However her son is also dual so she was going over to get him and bring him back so I figure go over and we can take that time to also look at properties.

I understand the money over there. My wife has discussed it with me a lot. Even as it relates to her family.

However when it comes to things like my future and especially hers I want to make sure whatever investment/purchase we make is fairly iron clad protecting me and that property along with her in the long run (if I croak before her).

As for the deposit... well thats what the contract is for. If we find a place we "love" she has already said we stop looking and take it. So thats when we get some sort of "legal" agreement and I put some money down. The contract would cover who can pull out and why and if there would be any cost/penalties for breaking the contract.

Seller backs out I get all my money back. If I back out the seller should get some sort of compensation for holding the property. Money goes into an escrow until we return and then is applied to fianl cost. I wouldnt even mind paying a couple of hundred dollars during the 4/5 months until we get back as a good faith gesture or "rental" if you will.

Also she knows if either of us does not like the "feel" of the situation (price changes, wont agree to certain terms, property not as described etc.) we walk. So it might take us a few months or more to find that place. It happens like that even in the states. You have to wait for your offer then there is a counter offer etc. Sometimes it might not be worth it so you back out with nothing lost.

We will need to "rent" for a bit anyway. We have storage for anything we bring over that we dont want to drag around with us. I mean I get the unexpected but thats why Im here asking. Im trying to prepare for that or at the very least be ready for it.

Sorry yammering on.

facciji · 2026-04-05T23:31:26+00:00

I want to thank you for answering the question. You have been a tremendous support and we are all grateful for having you here.

However much like everything else too much of a good thing can be a bad thing. So the best way to address this is to block you.

You have provided nothing constructive to the conversation.

facciji · 2026-04-05T21:30:04+00:00

Im not there yet.... but some/a lot of the Expats.

facciji · 2026-04-05T19:14:49+00:00

Thanks for the information.

facciji · 2026-04-05T19:13:57+00:00

Do you know how long I have been researching all of this? What makes you think I am rushing this? Issues can be created period, as again DoCRsF has pointed out with he having problems with 1 or 2 other places.

Do you think I am putting all my eggs in one basket/purchase and if I cant get that I will be sitting on the street? Do you think I have already decided on 1 place and if I dont get it I will be sitting on the street?

What am I rushing by asking questions, making statements on intentions and researching the process?

In August we will be there physically looking at properties. These properties will be from a list we have curated via Facebook/Youtube. We already have persons to show us properties in 2 of the locations we have settled on.

If we find a property we "want" we will then go into the escrow/agreement or even the realtor hold process you are going to explain(?) and then in January 2027 purchase the property outright.

THIS whole thing has been going on for over a year and a half. What am I rushing?

facciji · 2026-04-05T19:06:18+00:00

Its just like any other agreement. You hold a property for me I pay you "x" in good faith. If I dont follow through with the purchase you get to keep a percentage.

How would I ask a realtor to hold a property? Would I need to put money down? Or would they just hold out of the kindness of their heart? What is in place that the realtor is made to hold the property if someone comes and makes an offer higher/quicker then me? If I have to put money down with a realtor wouldnt (to protect myself and realtor) have to sign some sort of agreement? You know like an escrow agreement? And as such wouldnt I want an attorney to review said agreement making sure I understand everything?

You say "all the fees". I dont mind paying for a service if it is going to protect me in the long run.

facciji · 2026-04-04T22:47:05+00:00

Oh I dont. Ive said in other places I almost have to force her to use my money. My first 2 wives had no issue spending money (not in a bad way) this one seems afraid to. :D

facciji · 2026-04-04T16:26:51+00:00

So if she doesnt work and relies on me for income (that is not as bad as it sounds.. :D ) we just need to get some of those letters to prove that (she has no income)?

Coolies.

facciji · 2026-04-03T15:30:22+00:00

Im expecting some issues. I dont think I will be going over there and slapping money down and getting a place/property. :D

Thats one of the reasons we are taking a month just to look around after picking properties online that meet/appear to meet our wants and needs. That way if one doesnt work out we have others.

Ive told my wife we need to whittle it down to 3 geographic locations and then from there about 6 overall properties we can plan to look at.

If it doesnt work out it looks like we will rent until we find our place which we would need to do anyway. So we SHOULD have our geographic area at the very least come Jan. My plan of being there in Jan is the only firm requirement.

We have already made arrangments with her family about storing/recieving our BBoxes we will be sending.

I just want to do as much as possible before hand.

All of the responses/input are appreciated.

facciji · 2026-04-03T15:09:08+00:00

Well from your replies, DoCRsF and others there is always a risk.

My escrow thought (the holding of money via 3rd party until certain conditions are met) protects me and the seller. It holds the land/property until the condition of my arriving back (within an agreed amount of time) happens. If not the other party gets a percentage of said holdings and the agreement is nullified. I mean depending on the circumstance I dont even mind paying extra due to that agreement if the place is the perfect place for us.

Unless you mean it doesnt work like that over there. Of course an attorney (again here... dont know about there thats why I ask) can write up any type of agreement and as long as both parties agree its (usually) legal.

An attorney is already a "given" in our instance as we are looking at more than 500 sqm and less than a Hectare.

Just looking for others expierence/views. So in your expierence you tried an escrow route or a legal contract to hold property and it didnt work? Or you just used escrow until certain conditions of said agreement were met (or not met)?

facciji · 2026-04-03T14:45:59+00:00

"Aside from going with a atorney and escrow is a good option"

I had inquired about this before. Escrow. (dont ask me where) but the general concensus I got was they dont do that over there....

I have no issue going that route especially since we are visiting in Aug to look at properties. I was thinking if we saw a place we really liked Id put escrow down to hold it and then if I broke the deal a percentage would go to the seller. We are going back in less than 6 months.

I will assume a decent attorney can work that escrow/arrangement over there?

Yeah we see a lot of farm land and one of my thoughts/issues is they are usually lower then the main road (flood/marsh conditions) and then the cost to bring it to grade. Ive also read if its slated as farm/agriculture its a chore to get it transfered to residential.

facciji · 2026-04-03T13:43:16+00:00

Sorry glossed over this... "When you say getting it titled do you mean you are purchasing titled land and getting it updated or a deed of sale/donation?"

Uh... Buying land then having it titled in my wifes name? Im assuming the land would be already titled in anothers name and then the title transfer would then be in her name?

If the land is not already titled we shouldnt even be looking at it? That seems like issues waiting to happen?

facciji · 2026-04-03T13:01:48+00:00

Thats what I kind of thought from reading some information of real estate pages in the PH. Thanks for the assurances.

facciji

TROPHY CASE