BUHAY SA AMERIKA: HOW WE PLANNED OUR RETIREMENT IN THE PHILIPPINES
Вставка
- Опубліковано 24 кві 2024
- In all the years that we've lived in the States, we always dreamed of going back to the Philippines to retire. Planning for our retirement in the Philippines took years, and God willing, it's finally happening soon.
With regards to health insurance in the Philippines, we found out that our health insurance benefits that we are still paying since we worked for the federal government in the USA were actually accepted in the Philippines, which is Bluecross Blueshield from FEHBP. The Medical City Hospital in Ortigas did accept our health insurance plan. You just have to pay for your deductible for your doctors visit and medication. They have an overseas kiosk that you can contact to learn if your health plan are covered. Last year, Saint Lukes Hospital in BGC accepted our bluecross blueshield insurance but not this year due to insurance affiliations change. They also have an overseas kiosk that you can contact and learn if your plan is accepted in there hospital. I hoped this help.
This helps so much!! Thank you!! We have the same Blue cross blue shield from FEHBP. This is great to hear. Thanks for sharing this with us ❤️❤️😊🥰
This overseas kiosk, is that on the hospitals website?
how about medicare AB and D, is it accepted in the philippines
@@user-sn6zm9br3x Medicare is only available in US
Just found out that St Luke accepts Tricare as well. Thanks!
ang daming vlogger na pinoy, pero bibihira ang ganitong vlog na tungkol sa retirement. sana, mapanood ito lahat ng maraming pinoy. marami kasi talaga sa atin, HINDI PINAGHAHANDAAN ang retirement, iniaasa lang ito sa mga anak nila. kaya, mga ANAK ANG RETIREMENT PLAN ng karamihan. Nakakalungkot. sana, pamarisan ng maraming magulang kayo.
We try our best lang po Mang Nilo. Thanks for watching!
Nang lahat relatives here,same those peoples who knows us& close friends are all surprise ng they learned na magre- retire kami sa Pinas! Actually,say ko nga the lady talking or make.ds video ay parang si ako! Lahat ng sinabi nya sa.video yun ang reasons namin why we want to go back home,fav.ko rin si Dr.Ong! Ang wala lang kami bahay na sarili sa Pinas at mga pera sa stock market like she's talking, kasi very tight budget namin,kasi di naman kami professional like silang mag-asawa! We live pay check to pay check,kaya parang ipon namin yung 401K namin,happy na kami non,kasi yon lang kaya namin i-save! Upa na lang kami sa Pinas ng 🏡, para pag may nasira, di nasa bulsa namin galing ang pang gastos, pwede pang palipat lipat ng place na tinitirhan! Pareho rin kami ng Gunawan ng video,na ipinapasa Dyos,those things beyond our control! At Isa pa,lahat naman taU,babalik sa acting Creator! Para sa akin,instead of ignoring yun na 1day it's our time to go, kung we are preparing our retirement sa work,we have to prepare our retirement here on earth! Na pag tinawag na taU ni Lord,we can say na thank You very much Lord sa retirement time, we enjoy it with our family & loved ones while we are waiting U to send us back home, to our Eternal Father's house!❤🙏🔥
hahaha. marami oy. Kaya lang karamihan para sa low income na katulad ko ang mga blog nila. Yong mga advises paano pag kasyahin ang SSS pension na walang ibang source, paano mag side line na poultry or agribusiness etc. Pambihira lang ang mga high income na tulad ni madam ate Gi na gumagawa ng vlog about retirement kaya nabiglaan ka nanakarinig na ganito pala mag invest sa stocks etc.
You give very sound advice. We were a little bit like you guys as saving for the rainy days, having 401k, getting pensions from ssa and from the government but not as much as you earn as nurses. Our house here is paid off too and we acquired 2 lots in the phils. But until now, after retiring for 11 years, we havent decided if we will retire here or in the phils. I always think of the medical expenses even if we have substantial savings. I love how you plan your retirement. You seem so grounded. Good luck to you!
Kung medical lang naman, marami namang medical insurance sa Pilipinas. But for health insurance meron naman, depende na sa health condition mo. If it just visiting doctors, it doesn't require surgery or something na out of pocket. Then you have no choice sa US ka. Kaya it is very important merong economic freedom sa bansa.
Good luck din sa inyo. We will all do whatever we think is best for us. My best to you!
Can we just acknowledge how amazing the editing is. I love it. Madaling maintindihan. Lemme share this to my husband since we are planning to work in the US.
Thank you for the kind words! 💜💙
Congratulations I am very happy for you. Wish you the best. Thanks for all the videos. I love watching your videos. Very well done .
Nice! We’re behind you by a few years. Same idea different set up.
That’s nice! Thanks for watching
Very informative and educational, can relate, hope your channel can go a long way.
Thank you for your well wishes! Appreciate you watching and leaving a comment.
New subs here Ate Gi, from Vallejo, Ca. Love your videos, very informative! More power to you and your channel..
Thank you so much Jenny! ❤️❤️
I appreciate your insight on this subject. Your plan is well-thought of and very inspiring. Your life in the US is very relatable. Maraming Salamat. You just gained another subscriber. Blessings.
Salamat po. Blessings to you as well and thank you so much for subscribing.
Interestin and inspiring! Thanks and God bless!
God bless din po sa inyo. Thanks for watching. ❤️💙
I love listening to your voice po and you have a good perspective when it comes to retirement, such an inspiration to us who are in our 30’s and OFW’s. 😊
Thank you for this video. I'm just like you starting on mid of my thirties learning for your experience give me a vast knowledge about to what expect. Thank you so much may God bless you and your family!! Keep posting!
🙂
Enjoy your journey in the States. There’s so much this country has to offer. Keep your good Filipino values as you assimilate in the life in the States. And pray always. Thanks for watching ❤️💜
Very inspiring life you have po..
Very inspiring po!! Lalo ako nainspire na mag ipon para maganda rin pag nagretire. Continue posting videos po..
I’m glad I’m able to get you to save for the future. thanks for watching
Very inspiring po ito! ❤ I’ve learned a lot. Also, yung editing nyo po and storytelling is really good. Thank you for sharing your retirement preparations.
My pleasure! Thanks for your kind words ❤️💜
Watching here from Canada. Very helpful content. We are also planning for early retirement in the Philippines. Since pandemic we started to talk about retirement, nagpa dual citizenship na kami, bought another farm and renovated our house in the Philippines. Now we are planning to develop our farm and saving money as much as we could if anytime we decided to retire. And like you needs more research on Healthcare insurance. Please do a vlog once you found options for healthcare. Thank you
I’ll definitely share what I find out about health insurance coverage sa atin.
thanks for sharing po , following you on your retirement journey in the future ❤
Thank you! 😊
Nakaka inspire naman po video nyo maam....im 35 yo...manifesting...at ganda ng boses nyi❤❤❤
Thanks for sharing your retirement story well planned indeed very very educational I will definitely share this to my friends in Canada im a dual citizen and just retired and back and forth from Laguna Philippines to Toronto Canada
Salamat po for watching and sharing ❤️❤️
Hi Gi! I stumbled upon your vlog by chance, and I really admire the editing you've done with it. Relate na relate ako sa kwento mo. God bless.❤️🙏🏼👋
Salamat po!!
High quality of your vlogs , love it❤❤
Glad you like them. Thanks for watching.
Good to hear your story
Hope u could do more becoz it can help many people then
God bless😊
God bless din po sa inyo
Thank u very much Mam Gi for this very informative video! God Bless po and more videos po.
God bless din po sa inyo and thanks for watching!
God bless din po sa inyo and thanks for watching! ❤️
Waiting for this po 😊
☺️☺️una ka palagi. Salamat ha!!!!
@@official_ate_gi_channel 👍
Ang ganda ng video content nyo. Ang galing po ng mindset nyo. Masuwerte ang mga anak nyo po to have parents like you and your husband. Happy Retirement po!
Salamat po. We only do what we think is best. Thanks for watching!
Wow! Sana maishare nyo samin Yung financial strategy nyo. More power!
Watching here from Arizona Chie😀 this is my second video na pinapanood hehehe baka hindi na ako matulog nito
para lang panuorin more of your videos 🥰❤️🥰
awww..! maraming salamat po!!
Good one guys!
Thank you!!💙💙
Great content, congratulations
Thank you!
Thank you for sharing your stories
Thanks for listening and watching. ❤️❤️
I like the way you explained everything in 5 yrs we will be in the same boat ,God bless 😊
All the best! Thanks for watching
Very inspiring ❤❤❤
I luv this video..maganda pagka narrate.
salamat po!💜💙
Hello po ate Gi! Love your videos! I’m so hooked! You have a great talent in story telling and your content is so informative! I’m also a nurse here in a Vegas far from retirement yet but I’m learning a lot from your videos! 😊
Awww! Thanks for your kind words. Nandiyan lang ako sa Vegas this weekend 🥰 I love Vegas! (Not the casinos but the food 🥙🍕🥪🍔Thanks for watching
Very informative po! Salamat po for sharing your time!
Thanks for watching!
So inspiring i love it❤
Thanks youuuuu!!
Inspiring ❤❤❤ want to settle also in ph when we retire
Ang sarap panooren or just listen to it. Ang sarap mangarap na parang nakakatakot dahil at my age, wala pa akong ipon for my retirement. haysss.
Glad I stumbled upon your vlog. We r thinking of retiring in the PH too, but not in the next 10 years pa siguro. We are the same age. Just dreading the traffic, the heat, will miss the conveniences we are used to in the US, our adult kids and healthcare which is so important . Will cross the bridge later on. Best wishes on your journey back .
Thanks for the well wishes. We have 3 more years, tho. My best to you! Thanks for watching.
Ilang ulit ko pinanood mam hindi nakakasawa boses nyo at napaka substantial yong content❤❤❤
Awww! Thank you so much 💙💜
New subs po, im from Australia. Nice video para may idea at pag-isipan ang pagreretiro back sa Pinas. God bless!
salamat po for subscribing!
Inspiring ang kwento nyo madam.
I’m so glad it provided you some value. thanks for watching
Good luck ma’am on your retirement. That is our plan too. We are planning to retire at 62 while we can travel. I think we have more than enough if we live in the Philippines and few months here in the US. Life will be simpler in the Philippines.
We feel the same way. Thanks for watching
Hello! I'm from Alberta, Canada almost 15 years na rin dito. Just like you me and my wife plans to retire in the Philippines in the future. I like your vlog because there is no filter or sugar coating. What you share is true and based on the reality living in North America. Thank you I was able to discover your UA-cam channel
Thank YOU for watching and for leaving a comment. 💙💙💜
Continue your vlog please! Thank you for sharing your experience! I already subscribed your channel. Watch from Magog 🇨🇦 🥰
Salamat po
Thanks po very insightful
You're so welcome 😊 Thanks for watching.
Very helpful
Glad it provided you some value. Thanks for watching!
Very informative ❤❤❤
So glad you found value in it. Thanks for watching.
New subscriber here, thanks for sharing your inputs.
Thanks for the sub! And thanks for watching
I like your voice po and of course the story line. I wish you all the best in life
Thank you for your well wishes. 💜❤️
Hi Ate Gi. I have just subscribed now. Your videos are so insightful. I moved to the UK in my mid 20s and have been here for 25 years. Still a bit far from retirement, i have the same thought process of retiring in the Philippines. I am a nurse too. Though given a chance to work in the US, I decided to stay here in the UK. Nevertheless, when retirement comes I will also be depending on the fixed income from the lifetime savings, state pension and the work pension that I have. I want to retire in the Philippines because of the same reasons you have. I am so happy to see your video and ecstatic to hear sensible stories of retirement planning from nurses abroad. I am happily single and not into mingling. More power to you both. And cant wait for the next video. Love to know what health insurance is better for balikbayans.
thanks for sharing ❤
Thanks for watching!
For some reason this video is very relaxing to watch. I dont know why.
Thank you so much for watching!
nakaka inspired po kayo ate… ❤
Salamat po. 😊❤️
Good decision po yan....Ganyan din gagawin ko po. God Bless sa inyong family.
God bless, too and Thanks for watching
What a beautiful video about planning for retirement, from the point of view of a Pinoy professional in the US. I myself am retiring in nine years. I've been earnestly planning and saving. I intend to live like a pauper in the ancestral land, from when I retire until I drop dead. I hope that will enable my child to get an elite college education without incurring a huge amount of debt. Thank you.
Thank you po for watching! My best to you on your retirement planning.
Salamat po sa inspirasyon!
Salamat din po for watching
wow you deserve more views! ang ganda po ng content mo maam
Awww..! Salamat po! 💙💜
Thanks for keeping it all real while always giving us high-quality videos. Your voice, Ate Gi, is very soothing and got my attention to subscribe. I look forward to your take on your hunt for health and possibly other insurance in the Philippines. Has renouncing your American citizenship after retirement ever crossed your mind-for tax purposes?
Hi! I’m glad you appreciate the videos. We’re dual citizens. No plan of renouncing for tax purposes. Still researching about health care coverage sa atin. I’ll share it here once it’s done. Thanks for watching
Hi po watching from union city, hopefully you can make an in depth video about investing :)
Thank you💖
You are so welcome. Thanks for watching
Love your videos ❤❤
it touches me to know that there are people like you who appreciate it. salamat po!
May training po ba kau sa film making? It's like I'm watching a mini documentary po kasi. Ang high quality po ng vlogs nyo.
❤️wala along training sa filmmaking. Everything I know I just self-learned. I’m glad you like it. Thanks for watching!
The moment I hear your voice, I immediately subscribe. It's just so calming. My partner and I are about to migrate to Canada as a PR. We are based in Abu Dhabi and have a normal, decent life. We were able to save so much and invest; my dilemma is about retirement, as Canada's cost of living is high, and we are in our late 30s. Our current passive income from investments allows us to comfortably retire indefinitely in the Philippines if we want to. But I'm not sure if this is enough or if it is still worth it to start a new life in Canada. So far, global mobility is our number-one reason for moving to Canada. Although we have rarely had any visa applications denied to countries we have visited. Other reasons we have are for permanency, health care, and lifestyle. I have these concerns about retirement costs, and I want to share our story as your videos resonate with me. Thank you.
5:30 mills peneinsula by trousdale in millbrae california
Your house in the Philippines is beautiful!
salamat po!
Dang started late getting my education, working and saving because of 5 kids, I’m longing for a life in the Philippines, because I didn’t grow up with Filipinos, I want that Philippine life, I’m looking forward to looking for my parents and siblings, but so much information needed in going about searching for them, to those with parents and siblings please cherish them, I can’t wait to find mine and cherish as well🙏🏽💚
This is what i want to hear
We too are selling our stuff and house in preparation to moving back home.
My best to you! Thanks for watching.💙
My ultimate goal is to plant Veggies and raise chickens to lessen expenses when I retire in Philippines. I work and live now in Germany and planning to fly home (PH) in 20 years. I have also passive investments that avail dollar cost Averaging, SSS, Company and Government pension insurances and I am now starting my Pag-ibig nang pa unti- unti. And like everyone says, Health System in the Ph is a big Hindrance. Thats why I am in search for the best health insurance in the pH which does not only cover Critical illness but also regular check ups and preventive screenings. Thank you for your Vlog as I am inspire more to SaVe! 😊
Yeah..! Save and invest more! Thanks for watching.💜💙
Thank you for sharing all your videos and giving advices along the way. I am very curious on your transition journey po from P.I.- U.S.-P.I. Thank you po!
Thank you rin po for watching!
Relatable po ang video nyo sa mga gustong magretire sa pinas. Yan din ang plans ko to retire, ang concern ko lang eh yung health insurance. Getting sick is too costly, hirap maubos yung savings sa médical emergencies.
That is true. I made a video about health insurance if you haven't seen it yet. Thanks for watching.
Tama po yan pinag planohan talaga.
Ang galing nyo po magsalita at ang video nyo po. Sarap pakinggan ng boses nyo po.😊
Salamat po!!💜❤️
Planned to retire there also but after experiencing the heat & traffic last November, now having second thoughts
Heat will always be there since we are in a tropical country and it will even get hotter and the traffic is not going to be solved anytime soon. Key is have a nive farm land in the province but if thats not your taste then youre better off staying where you are now 😂
@@jtozuna Always dreamed of living in a farm, but its not the answer to beat the heat. Visited the 20 hectare farm of a batchmate before the pandemic at Mabitac, Laguna. Even then the heat was horrible going around the farm which is why I dropped the idea of a life there.
@@will12219 Then i dont think you should retire there. 😅 I am from mindanao ang there are a lot of places where i can go and purchase land with a 70-75° weather most of the day but then you're far from the city. I love the heat so i dont have a problem with it. Im going to miss the 4seasons tho but i'm not going to miss the -10°F 😃
Great topic. We are retiring at the end of this year and considering doing it in the Philippines. But like many, my concern is health care cost. I am apprehensive because a couple i know did an early retirement over there and it started just fine until the wife and emergency medical condition that resulted not only in surgery but a long stay in ICU. That cost them millions (pesos) in medical bills. Now i understand that there are health insurance options over there. Those who have purchased one over there could you share premiums and benefits.
Healthcare is the top concern of everyone planning to retire in the Philippines. I will share what I find out about Philippine shealth care coverage in a future video. Thanks for watching.
You’ll be fine, when you come home and retire in the Philippines, you have prepared financially, emotionally, mentally and physically for this and your kids were set up for this also, my wife and I are on the same boat as you are, along with watching Doc Willie Ong! Best of luck sa inyong transition sa retirement sa Pilipinas! 🙏❤️🇵🇭❤️🙏
Pareho tayo! 🙌 Nice to hear from someone who’s got similar lives and content sa atin. Salamat po!
I'm so glad I found your channel po today. Very inspiring videos! 😊 Keep uploading videos po. Also came to the US mid 30's, also a nurse and I just turned 40. Pa upload din po videos regarding career development at saan kayo specifically nag invest like Employeer Match/Roth IRA. Did you diversify your investments po? did you buy individual stocks or invested in Mutual/Index funds? Thank you po!
Good find on my autofeed. I can relate to your story.Disagree a bit with the bigger houses here in the US and thinking we are buying more than we need. I bought my house for $300k over 10 years ago with 5 bedrooms and today is close to going over $1M. Me and my wife will turn 59 in a few years. The house sale + 401k + savings will allow us a comfortable retirement in the Philippines.. and will also allow us to wait out social security until it reaches the full retirement amount. Thanks for sharing and best of luck sa inyo.
Wow! such great home value appreciation! That's amazing! We were not fortunate to be in the housing market at the right time. But it's ok. We're blessed in so many other ways. Thank you for watching ha!
@@official_ate_gi_channelsa Texas kami bumagsak 20 years ago and the last 5 years our area surged with California and New York people which caused our property values to skyrocket. Sinewerte lang talga and just wanted to share in case you are wondering why the property valuation seems high.
@@rl8571 thanks for sharing that!
Nakaka inspire naman po ang kwento ninyo mam, Congrratulations po. Sana kami din mag asawa mapaghandaan namin mabuti ang retirement namin. Same po tayo early 30s po kaming mag asawa noong napunta kami dito sa US, we are now turning 40 and mas lalo namin narerealize na palapit na ng palapit ang retirement, dahil dun I feel na parang we are a bit behind dahil nga 30s na kami nakarating dito kaya late na nag start makapag ipon for retirement. Right now we are maxing out our 401k contributions, HSA and my kunti ding monthly contribution for kids College 529 plan. At the same time nag seset aside din kami kahit papaano for enjoyment like going to few vacation and eating out. We always buy used cars in cash and live in a descent size house (not too small or big). Someday we also plan na bumalik sa pinas for retirement but we are also saving more in case hindi yun ang mangyari and instead dito sa US magretire. More power po sa vlog ninyo!
Salamat po. We also started saving in our 40’s na. Kasi when we became nurses here, 40 na kami. You’re doing all the right thing. We did the same thing. As your income increases and your investment compounds, you’ll be surprised how big your investment savings will grow. Thank you po for watching!!
as a rule of thumb... by investing in a bigger and much nicer house... most likely will return a better/more equity... hopefully, that is true to your situation🙂
this wasn't true in my situation. it was the wrong time to buy, and the wrong time to sell. thanks for watching!
Hi
Just curious . Did you work @ VMC by any chance ?
Nice and informative video 👍
I think I’m the only one who never wanted to go back to Phils, Canada is home to me. I used to have a house and sold it and bought a small condo as I like to travel every year. I also don’t have anyone to get back to in PI anyway, would be nice to visit tho.
Visiting is good too. Living there is not for everyone. Thanks for watching 💙💜
Thank you for sharing your retirement plans to the Philippines, wishing you all the best
My best to you too. Thanks for watching!
Absolutely, failing to plan is planning to fail. Hope for the best prepare for the worst. Cliché, I know, but it works.
That is true😊 Thanks for watching
Hi 👋🏼 Ate Gi, can u pls make a video regarding your investment. Like how to and recommendations. Thanks! Ur content is great! 👍🏼
Thanks for watching❤️❤️
Thanks 😊 I’m fr the east coast. Not retiring soon but interested in investing
What school did you graduate in Manila? Where will you retire in the Philippines? Did you inherit your house is the Philippines?
From now 2024 when you go to
PI for good?tm also plnning that....at sn mag live po kyo s youtube minsan pr mkkpg connect km sanyo....we love your content po.
Retiring in 2027. We’ll be in Manila.
How about health insurance coverage in the Philippines?
Please give us some tips about healthcare in the PH once you retire back. I have been following Doc Willie and Grandpa Vlogger . They discuss some about this matter. It’s unfortunate that we can’t use Medicare in the PH. It will be a big savings for the US gov . They they allow this .
I know. It's a shame that Medicare can't be used in the Phils. The Fil-Am nurses lobbied for this but nothing happened. You're right that it would be more cost effective to the US if Medicare is accepted in the Philippines. Thanks for watching!
Congratulations in achieving your dreams. You have wisdom and discipline. We are also retired and debt free here in Southern California but we intend to keep our home base here. The US is more secured, most powerful country in the world and has a better future than the Philippines. Its very hard to buy properties here because of the demand and we intend to keep our prime investment. Anyway, we have our own dreams and I respect your personal references for happiness and meaning.
Thank you! My best to you and your family.
Thanks for watching ❤️
And also travel the world while you are earning kasi pag retire ka na medyo fix na ang income mo , unlike kung nag work ka you can do overtime to pay for the travel expenses. Kasi if you wait until you are retired to travel di ka na rin sure kung ma akyat mo ang mga stairs St. peter’s basilica in Rome or yung underground salt mine in Poland 😂 … just do it before your estrogen slows down .
Good advice. Yes we do travel more and more for the reasons you mentioned. Salamat!!
Exactly!
All set na. How many more years before retirement?
3 na lang po. Kaya puspusan ang preparation. They say the 5 years before retirement is very important in terms of preparation.
Hello Ate, what investments do you recommend po? Currently working in AU but of course, my final goal is to settle pa din sa Pinas.
Hello po @lodimoneybaby, nasa Australia po ba kau?
Thnk you for sharing.🫶
My pleasure 😊 thanks for watching
Your house must be worth a lot of money now, so it is also an investment.
Thankfully so. Thanks for watching❤️❤️
Availability of health insurance is one of my biggest concern when I retire in the Philippines.
My concern is the immediate availability of medical experts along with new technology in the Philippines. Living in the US with all the convenience of medical care, makes the thought of moving to the Philippines daunting, to say the least. 🫤
Global Health Insurance is readily available. Look around, there are tons of policies
@@bella4644Go to St Luke's, Makati Med or Medical City and see for yourself if the Philippines is backward
There is great medical here!!
Sa states parin ang maganda sa medical kapag madami kana sakit sa US parin.
Ate Gi. Were you able to find out what is the best medical insurance in the Philippines?
Still researching po.
My mom and dad have millions when they retired in the Philippines. But when my mom had a stroke and suffered for a year before she passed all the money was gone. I had to get my dad back here in US, sold our house . But the sad thing is I could not get him the rest of his Medicare benefits like part B and D because I'm the penalty is so high. They had to calculate the penalty from the year that he retired up to the present. So all he had now is Medicare A.
I'm so sorry for the loss of your mom. thanks for sharing your story. life is so unpredictable and when life events happen, Medicare doesn't make it easy by adding penalties to the change in service choices.
Glad I encountered your vlog. I quick question, since you mentioned that you also have SSS from the Phil government which eventually you're going to have a pension. How did you apply? Can you still receive Phil SSS pension if you US citizen? Thanks, love your vlog tho :)
hi! we're dual citizens. I haven't checked if former Filipino citizens can still avail of SSS benefits. also, I haven't started applying for my SSS pension. Pag uwi ko na po. thanks for watching!