Jerry and Nelma in the Philippines

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@carolbrenner3121 4 сағат бұрын

Medication expense

@retiredcryptohunter9031 6 сағат бұрын

Just out of curiosity, why hasnt Jerry tried to file a SSDI claim through social security? There is a link below about filing a SSDI claim kzfaq.info/get/bejne/e8h8ectnzNzTf40.htmlsi=xwq232CqueuXfZoJ

@jeffphillips5350 Күн бұрын

Great video guys thankyou

@danitzm 2 күн бұрын

Did I miss it. What was the grand total for the month.

@jerryandnelmainthephilippi3340 2 күн бұрын

Sorry its $1200

@faronray5765 3 күн бұрын

Just wondering how you have such a low electric bill? Ours runs about 8500 pesos per month(4 people). The rates here in Cebu City are very expensive which runs about 13.5 pesos per KWH(including taxes/fees). We do run the A/C a little but with all the other electrical gadgets, I still think our bill would be around 5000 pesos a month. We use on AVG about 630 KWH per month. We have a big TV, computers, 6 fans, water dispenser cooler/heating, about 8hrs on avg A/C, fridge, lights, charging gadgets, electric stove, microwave oven and shower heaters.

@jerryandnelmainthephilippi3340 2 күн бұрын

Last summer the electricity charge us around ₱13 per kw but now they lower it. My wife bought a cheap ₱250 efan in shoppee that has 15kw consumption. When we first moved to our house our electric bill range from 4-5k pesos a month but when my wife bought these fan our electricity went down to ₱1500 or less. We have 2 tv’s, gadgets, 4 efan, microwave, coffee pot, Automatic washing machine, rice cooker etc. We dont have water heater though.

@KaliBahayKubo 3 күн бұрын

Good Luck😂

@jerryandnelmainthephilippi3340 2 күн бұрын

Thank you!

@goku5524 3 күн бұрын

Great information. so with rent and car payment, the real budget will be $2K a month. is your child go to private school with bus service? Thats kind expensive for school.Good luck with you health and family.

@brendandoherty2159 3 күн бұрын

I have 3 "kids" and I pay over 60K each per year with NO school bus!!!!

@jerryandnelmainthephilippi3340 2 күн бұрын

Yes $2k is a good budget just make sure you have backup plan just in case. Yes, Our daughter goes to private school with school bus because she can’t go to public shool. Thanks for watching!

@eduardoquiban947 3 күн бұрын

YOU HOLD THE MONEY BUT SPEND MONEY WISELY,, DON'T GIVE ALL YOUR MONEY TO YOUR PARTNER BUT IF YOU GIVE THEM NOT ALL YOUR MONEY,, BECAUSE MANY COMPLAINERS AGAINST PILIPINO WOMEN WETHER WHO IS TELLING A LIE THE HUSBAND OR THE WIFE.. SPECIALLY THOSE FOOLISH THINKING ALWAYS AGAINST PILIPINA WOMEN,, YOU HUSBAND HOLD YOUR MONEY,, DON'T GIVE TO ANYBODY,, ONCE THAT HUSBAND COMPLAIN IS NOT THE PILIPINA WIFE IS DEFECT BUT HOLDING RESPONSIBITY BY HUSBAND AND TELL TO FAMILY OF YOUR WIFE NOT TO INVOLVE THEIR PROBLEM WITH YOUR NECESSITY AND YOUR WIFE, BECAUSE IS YOUR RESPONSIBILITY TO FEED THEM ALL,, YOU KNOW,, I AM PILIPINO WHO ARE DIFFERENT FROM OTHER CULTURE OF PILIPINO WHICH WE DON'T INVOLVE WITH OTHER PROBLEM WHICH WE DON'T CREATED THAT PROBLEM,, YOU CAN HELP BUT JUST SHARE,

@jerryandnelmainthephilippi3340 2 күн бұрын

Don’t worry my wife is handling our money here and so far we’re still on our budget plan. We tried to help her family before but when I got the stroke we stop doing it. Thanks for watching.

@yannickbouhier9951 3 күн бұрын

what is your coverage with bluecross 60 $ ??

@jerryandnelmainthephilippi3340 2 күн бұрын

Sorry its pacific cross and cover pre diabetes and coverage of up to ₱1Million per illness.

@TheToni1976 3 күн бұрын

Speedy recovery. Take care

@jerryandnelmainthephilippi3340 2 күн бұрын

Thanks brother

@davidhankins5708 4 күн бұрын

Hi guys! You can start drawing Social Security at 62. Are you waiting the extra 6 months for any particular reason?

@jerryandnelmainthephilippi3340 2 күн бұрын

I’m only 58, I’m waiting another year to get my 401k and ssa when I turned 62.

@markwakefield8563 4 күн бұрын

Praying for you guys. 401k is right around the corner. You got this. You’ve planed it well

@jerryandnelmainthephilippi3340 2 күн бұрын

Thank you brother. We’re praying for that also.

@stephendunn2860 Күн бұрын

You can take money out of your 401k without penalty at 55.5 years old but only out of your final 401k

@skip2it426- 4 күн бұрын

Let’s keep this real money matters around the globe worldwide. And the lack of it in most cases will definitely determine how you live. But for sure no amount of money can buy anyone morals. Thanks for sharing very interesting 👌🏾.

@jerryandnelmainthephilippi3340 2 күн бұрын

Thanks for watching.

@georgefair3244 4 күн бұрын

Hello Jerry, Social Security starts at 62. I Hope for the Best for Your Health. Take care.

@jerryandnelmainthephilippi3340 2 күн бұрын

Oh yeah, thanks for watching!

@DailEireannReed 4 күн бұрын

Did ypu get the blue cross in the US? If so what hospitals they are accrdited to? We are retireing next year and my husband has pre existing conditions..I'm just making sure he gets everything he needed out there

@jerryandnelmainthephilippi3340 2 күн бұрын

Sorry it’s pacific cross and we got it here in the Philippines. We contacted one of the expat about it also.

@teambalmforth 4 күн бұрын

Kamusta kayo nelms ? Okey naman c husband mo sa pinas ? Asawa ko takot mag for good jan kasi ang health nya is not good too expensive ang hospital sa pinas. 😮

@jerryandnelmainthephilippi3340 4 күн бұрын

Okay lang She, rason sang bana ko kay bisan diin daw ka makdto kong mapatay ka mapatay gid ka ah. Amo na okay lng sa iya ah nga dre kmi sa Pinas. Wla kna fb haw wla nko kta sa imo sa fb.

@teambalmforth 4 күн бұрын

@@jerryandnelmainthephilippi3340hahaha sa bagay nelms bana ko bakasyon lang kuno sya pinas gn delete ko fb ko nelms tak an ko naka subscribe ko cmu noh ?

@Angelwinggsaustralianpinay 4 күн бұрын

Mura elec nyo sis kami dito 10k or more a month 😂❤

@jerryandnelmainthephilippi3340 4 күн бұрын

Nasanay na asawa ko na walang AC 24/7 kaya maliit lang electricity bill namin. Gumagmit naman kmi pro hindi tulad ng dati.

@SadButTrue__ 4 күн бұрын

where ib the philippines are you living on 1200 a month? I'm moving to the Philippines in 6 months and I'm thinking about cebu or iloilo.

@jerryandnelmainthephilippi3340 4 күн бұрын

We’re in Dauin 25 minutes drive from Dumaguete. We’re living frugal here that’s why our budget is not that much. But it still depends on your lifestyle. You should visit first the place that you want to live then decide if you want to stay. Good luck to your plan.

@Chaz1962 4 күн бұрын

funny as mate. I think like me you're scared shitless of going to the dentist.

@jerryandnelmainthephilippi3340 4 күн бұрын

Yes, I hate doctors 😂😂😂.

@bonedust68 5 күн бұрын

Im in a similar situation... I had an ivestment in Mexico go into Bankruptcy.. And its going to be awhile before I see my money returned.. I am spending money... but not making any.. like I was before... so I can relate a bit..

@jerryandnelmainthephilippi3340 4 күн бұрын

Yes it’s scary, but I’m hoping our plan will still work. We just need to wait another year now and then we’re good.

@willyd6901 5 күн бұрын

Congrats on 2K Subs guys 🍾🎉

@jerryandnelmainthephilippi3340 4 күн бұрын

Thank you!

@ExtraGuac007 5 күн бұрын

Take a trip to Thailand and get cataracts surgery on that eye.

@jerryandnelmainthephilippi3340 4 күн бұрын

My problem is not cataract. We’re still waiting for the followup from our doctor.

@kevink1214 5 күн бұрын

You certainly probably already looked into this, but just in case have not here is my question. Are you able to withdraw from your 401k penalty free using the rule of 55? I retired early from my company and our plan allows for the rule of 55. So essentially if you are 55 years and older you can make up to 9 withdrawals per year penalty free. That allows you to have access to that money prior to 59 1/2 years of age. You will pay income tax on those withdrawals if it was not a Roth 401k investment. Not all company 401k plans participate, and allow their employees to have access to that money early, so for everyone else that is still working and thinking about retiring early, ask your HR or 401k management company. It sounds like the 2.2 million php you have available should last easily for a little over a year.

@jerryandnelmainthephilippi3340 4 күн бұрын

Yes I talked with our HR before I retired from work but I try not to pay the penalty so we’re budgeting our money since we moved here. So far so good and I’ll just need to wait another year to get my 401k money so we’re still ok.

@retiredcryptohunter9031 5 күн бұрын

I keep mentioning this because I am retired military. Jerry you need to look at your prior service and figure out if you've had any issues while you were in service and file a VA claim. If you need help I can help out and let you know what you need and how to file. I am also living here in the Philippines with my wife and I am from Virginia also. I started watching your channel before I retired and moved here you two helped inspire me to move here. Take care and reach out to me if you need help looking into the VA route.

@jerryandnelmainthephilippi3340 4 күн бұрын

I’m only 5 years in Navy so I dont think I can get any benefits from VA. I did used some benefits before like loan from the bank but that’s all I can get. Thanks for reaching out.

@johnacebu3032 4 күн бұрын

I did 4 yrs active duty in the military, I am 40% disabled. I’m sure you had something. I agree, it’s worth a try to send a claim.

@retiredcryptohunter9031 4 күн бұрын

@@jerryandnelmainthephilippi3340 as long as you served any amount of time and you didn’t get a dishonorable discharge then you’re eligible to receive VA benefits

@gracecastro5243 3 күн бұрын

Hi. I'm grace. I'm married to American. My husband is worried how to pay his tax to u.s. we live in philippines.

@gracecastro5243 3 күн бұрын

@jerryandnelmainthephilippi3340 I'm so jealous with your electric bill. Wish we have bill like that

@billspaid9 5 күн бұрын

I have a similar problem. I was diagnosed about 4 months ago. It is called retinal vein occlusion (RVO). I have been receiving injections by a Retina Surgeon here in Georgia for the past 3 months. 1 shot each 4 weeks to my left blurry eye. I also have BCBS insurance with no Medicare, and I'm paying $175.00 out of pocket each time, which is a strain on our budget. I have not seen an improvement yet, but I read it takes like 6 months to see results. So I will let you know how my ordeal goes down, and I will watch to see how you make out in the Philippines and compare it to here in the US. I know it's quite frustrating not understanding all this crazy medical problems we are both having. Good luck to you Jerry. Sincerely Yours ; Bill in Georgia....

@jerryandnelmainthephilippi3340 5 күн бұрын

I’m sorry about your brother. Some people said I should go back to US because they will fix it right away but I can’t afford it either. I’m just hoping it will just go away because the doctor said sometimes it happens.

@jerryandnelmainthephilippi3340 5 күн бұрын

@billspaid9 5 күн бұрын

Thanks for replying, I hope in your case it goes away on it's own. Unfortunately my Retina surgeon says if I don't get the injections , I will go blind in that eye. So who knows if he is right. Oh well I'll keep and eye on your channel to see what happens. No pun intended. Let's not lose our sense if humor, right?

@scottmoede5316 5 күн бұрын

Electric in wisconsin is 210 us dollars a month.

@jerryandnelmainthephilippi3340 5 күн бұрын

Thanks for watching

@waterbug1135 5 күн бұрын

Thanks for sharing. Hope things get better. Your sharing helps me to keep working on my own health which is good so far.

@jerryandnelmainthephilippi3340 5 күн бұрын

Good for you brother. Thanks for watching.

@Ironic_Jihad 5 күн бұрын

We appreciate your budget videos every month. It's shows the REAL struggles of a couple IN PH.😊

@jerryandnelmainthephilippi3340 5 күн бұрын

Thanks for watching

@jspice-kl2wc 5 күн бұрын

Great video, thank you.

@jerryandnelmainthephilippi3340 5 күн бұрын

Thanks for the support.

@alanjohnson6369 5 күн бұрын

Love the budget videos guys thank you for sharing and God bless wish you and family the very best

@jerryandnelmainthephilippi3340 5 күн бұрын

Thanks brother

@Hoochie243 5 күн бұрын

Jerry I don't know why you can't apply for SSDI now and at 62 years old it becomes SSA .SSDI is money you put into each month when working that is used when you are unable to work and this money is based on your income so its more than regular SSA.

@jerryandnelmainthephilippi3340 5 күн бұрын

I know somebody that trying to get SSDI after he got a stroke. He went back in the US and tried to apply for it but they want him to stay at least a year to process it. And I can’t afford to go back to US and to live there for another year so I’m just waiting for my 401k for now.

@Hoochie243 5 күн бұрын

@@jerryandnelmainthephilippi3340 ..I think it's different for everyone it took me 18 months to get approved but I got back pay of $18,000 and I have seen people get it in 7 days of course with a lawyer involved. When I was in my hearing to get approved there was a guy who had no legs and he was denied the first time and was there for his hearing .he got approved..I don't know what SSA is the amount I thought it was $880 a month but I get $1800 from SSDI and next year this becomes SSA at 62 years old and my payment stays the same...it doesn't get lowered.

@georgeplumb6799 5 күн бұрын

Hope you’re keeping to a healthy diet now

@jerryandnelmainthephilippi3340 5 күн бұрын

Thanks for watching

@Hoochie243 5 күн бұрын

Im a retired Military so I get free medical for anything even dental. But when Obamacare started i was charged $90 a month for 5 years for insurance i never used because VA Medical services is not concerned Permanent health insurance 😮😮😮😮😮😮

@jerryandnelmainthephilippi3340 5 күн бұрын

I’m sorry about that brother. That’s why I left America because I can’t afford to live there anymore 😂.

@Hoochie243 5 күн бұрын

@@jerryandnelmainthephilippi3340 ..I moved to I live in Mexico 7 years ago I bought a 5 bedroom house for $86,000 in Rosarito Mexico..it's so much like the Philippines with the street food and fresh seafood..I still have a house in California Santa Barbara I inherited from my Dad 4 years ago. I'm only about 20 miles away from the US border so I do my shopping there it's hard to find good pickles in Mexico and the beef is better in the US...but in Mexico the cost of living is about 45% cheaper than in the US.. gasoline is ..95 cents a gallon and it is $4-5 in California...

@AaronOlafson 5 күн бұрын

budget means her body and your money. No need for video.

@jerryandnelmainthephilippi3340 5 күн бұрын

Thanks for watching

@mikecool3378 5 күн бұрын

Hello Jerry and Nelma what part of dumegette you recommend to live I will be coming in September guys thank you 🙏🏻🙏🏻

@jerryandnelmainthephilippi3340 5 күн бұрын

It depends if you want a city life. We live in Dauin its 25 minutes drive from Dumaguete (if no traffic). It’s more suburb than Dumaguete and this is what we want.

@Hoochie243 5 күн бұрын

I lived in the Philippines because of my job in 1980 and I noticed that in the Philippines everything is a journey even going to school...going to point A to Point B just takes longer 😮😮😮😮😮😮😮

@jerryandnelmainthephilippi3340 5 күн бұрын

Yup, that’s why they have a lot of patience because they need to wait in everything they do😂.

@Hoochie243 5 күн бұрын

@@jerryandnelmainthephilippi3340 ..I have to tell you my Filipino Time..story..so I went to the cathedral in Baclaran..for 9am Mass..it was 8.45am. I was the only one there so I waited and waited and waited until 10.45am...there was supposed to be a 10am Mass... finally at 10.50am people started to show up . Lol ..I could not get mad in Church nor could I have cussed..lol ..here is what I don't understand. In pilipino time how do people know to show up on time ? How can you be late and still on time? ....lol...

@mikecool3378 5 күн бұрын

Thanks for sharing guys god bless

@jerryandnelmainthephilippi3340 5 күн бұрын

Thank you for watching

@Hoochie243 5 күн бұрын

I don't see anything on the list that is wasteful or Obsessive. Its hard to add everything up because Jerry keeps moving the list ..lol ..it looks like about $1100 a month..

@jerryandnelmainthephilippi3340 5 күн бұрын

We’re living frugal here. Good thing my wife is okay with that because I’m cheap😂. I’m sorry brother the total is $1200 more or less😂.

@waterbug1135 5 күн бұрын

Knew someone in the comments would have figured out the total. Thanks.

@robinorga528 5 күн бұрын

Jerry what part of Virginia are you from? Tidewater, Go Navy

@jerryandnelmainthephilippi3340 5 күн бұрын

We lived in Woodbridge, Virginia before.

@robinorga528 5 күн бұрын

Oh ok I lived in York County and the Williamsburg area. You live in Dumaguette area. I’m ex Navy as well. If you’re available some late morning at a coffee shop. Please let me know! My treat

@Hoochie243 5 күн бұрын

I was wondering if being in the city you live in affect the cost of living? You live in a area that is overloaded with foreigner and that seems to raise the cost of living

@jerryandnelmainthephilippi3340 5 күн бұрын

Yes the prices of local market here is more expensive compared to other town. And yes maybe because too much expat living here😂.

@Hoochie243 5 күн бұрын

My friend lives in Tagum and from January to April his electric bill was $300 usd .and now its down to $160 usd so you pay $35 is just Great

@jerryandnelmainthephilippi3340 5 күн бұрын

When we first came here my electric bill range 140-160 dollars every month because I used AC 24/7. But after a year I don’t use that much AC anymore.

@Hoochie243 5 күн бұрын

This was a great video ❤

@jerryandnelmainthephilippi3340 5 күн бұрын

Thanks brother

@mjernigan1950 5 күн бұрын

Thanks for sharing,,,subscibing today.

@jerryandnelmainthephilippi3340 5 күн бұрын

Thank you so much

@joedavis2066 5 күн бұрын

Stay strong guys!

@jerryandnelmainthephilippi3340 5 күн бұрын

Thank you brother.

@sherrellelkins1976 5 күн бұрын

Great proof of life video. I love y'all. Please take care of yourselves. ❤

@jerryandnelmainthephilippi3340 5 күн бұрын

Thank you Sherell. We love you too.

@steveramirezsr5342 5 күн бұрын

Hello Jerry and Nelma, great video again. I noticed that the electric bill is very small amount, due you have air conditioning and if so do you have it on all day, or just at night? Steve

@jerryandnelmainthephilippi3340 5 күн бұрын

We have AC in the living room and bedroom. I just turn it on to cool off the room and turn it off after 10 minutes😂😂😂. But I do it all day. 2 months ago it’s $60 because during summer the electricity supply is low but they lower the price now so it’s our normal bill.