si tu veux...tout se paie c'est tout, si on se met a crier que tout est cher on n'achete rien. Je ne donnais qu'un exemple, a la poste un we coute pour le mm montant 30 euros ou plus mais perso je ne m'en sers pas. ayant des comptes sur place....
parce que je connais ce systeme.... il disant que 2000 euros coutait 77 euros, avec le systeme comme dit, il en aurait pour beaucoup moins....
30 euros.
j'ai plusieurs comptes sur place, en devises et monnaie locale (ariary) a la bni (filiale credit agricole) et la bfg (filiale societé genérale) je fais mes transferts moi même par internet de mes comptes en France directement. ou pour de gros montants par mon gestionnaire qui le fait sans frais.....
HSBC: si tu maintiens un solde supérieur à un certain montant (100 000 pesos il me semble) il n'y a pas de frais de tenue de compte. Tu peux gérer tout ton compte en ligne gratuitement y compris faire des virement internationaux.
Pour les virements internationaux, tu as un autre compte en euro en Europe dans la même banque ? je demandes car moi je suis à la banque postale (France) et quand je veux faire des virements entre mes comptes de la banque postale, c'est gratuit, mais vers une autre banque je dois payer.
Autre question, ton compte en euros chez HSBC c'est un "compte en devises" (comme ce dont parle Carthago47) ? Je ne connaissais pas ce type de compte, donc j'ai chercher un peu sur internet et de ce que j'ai pu lire, certaines banques ne proposent pas de CB ou la possibilité de déposer/retirer du cash sur ce genre de compte (je suppose uniquement à l'ouverture et ensuite par virement).
Ca se passe comment quand tu veux changer l'argent de ton compte (en euro) HSBC aux Philippines ? tu retires aux distributeurs, tu payes en CB et la conversion au taux se fait automatiquement sans commissions, ou tu dois aller à ta banque pour retirer ?
Carthago t a parlé de 2 comptes, 😉son explication est claire mais toujours polluée par nemmo 25000 messages de pollution
donc tu ouvres;
un compte en euros
un compte en devises locales c a dire le Php.
Un compte en euro nest pas un compte en devises locales?
Donc tu ouvres 2 comptes et tu fais ou demande des transferts ou virements quand le taux de change est au beau fixe.
Bien sur quil te faut garder un compte en europe et tu fais tes transferts surle compte en euros aux philippines, tu l alimentes a ta guise si besoin et ton argent reste en Europe.
Sur place aux philippines tu puise par Cb ou autre ton argent en Php depuis ton compte en devises php;
Si jai bien compris!😉
Nav
salut, vous avez dit avoir acheté une maison aux US, ok , alors dites nous comment vous avez fait.... parce que le principe est le meme en amérique du nord et aux philippines... sauf le montant a transérer 😉
Carthago t a parlé de 2 comptes, 😉son explication est claire mais toujours polluée par nemmo 25000 messages de pollution
donc tu ouvres;
un compte en euros
un compte en devises locales c a dire le Php.
Un compte en euro nest pas un compte en devises locales?
Donc tu ouvres 2 comptes et tu fais ou demande des transferts ou virements quand le taux de change est au beau fixe.
Bien sur quil te faut garder un compte en europe et tu fais tes transferts surle compte en euros aux philippines, tu l alimentes a ta guise si besoin et ton argent reste en Europe.
Sur place aux philippines tu puise par Cb ou autre ton argent en Php depuis ton compte en devises php;
Si jai bien compris!😉
Nav
ok...on va voir si j'ai bien compris 😛
1) Aux Philippines, je vais chez HSBC (ou Citybank) et j'ouvre 2 comptes (1 en euro et 1 en php)
2) En France (je vis en France), j'ouvre un compte normal (donc en euro) chez HSBC (ou Citybank) afin de pouvoir faire des transferts internationnaux vers mon compte en euro aux Philippines sans avoir a payer de frais de transfert (ma banque actuelle est la poste, mais si j'effectue des virements internationaux, ils me facturent, donc je suppose qu'il faut que ce soit la même banque en France et aux Philippines).
3) Pour profiter du meilleur taux de change, je transfères de mon compte en euros (celui que j'ai ouvert aux Philippines) vers mon compte en php quand le change est intéressant via le site internet de HSBC (ou Citybank).
4) Quand je suis aux Philippines, je payes en utilisant mon compte en php
J'ai bien compris ?....🙂
Une "autre" question, le taux de change appliquer par HSBC (ou Citybank) est celui qu'ils affichent dans leur bureau ou ils prennent le taux VISA ? Parce que en général, ils bouffent minimum 2-3 php par euro alors qu'au money changer c'est 1php (je demandes ça pour quand je vais aux Philippines en vacances et que donc je peux ramener les euros dans ma poche, je parles plus de l'achat d'un terrain, j'oserais jamais sortir avec 100,000 euros, et je pense pas qu'ils auraient suffisament de php pour me les changer 😛).
C'est à peu près ça sauf que même en ouvrant un compte HSBC en France tu paieras des frais de virement. Si je me rappelle bien de HSBC à HSBC c'est fixe quelque soit le montant (quelques dizaines d'euros). Mais vérifie, j'ai peut être la mémoire qui flanche et puis ça a pu changer.
Pour ce qui est du change aux Philippines c'est exactement ça: via internet tu fais un transfert de ton compte en euros vers ton compte en pesos, le change est fait automatiquement. Idem si tu fais retrait au distributeur ou tu utilises ta CB.
Pour les taux je ne sais pas te répondre, de toute façon sur des grosses sommes tu n'iras pas au money changer alors...
Une "autre" question, le taux de change appliquer par HSBC (ou Citybank) est celui qu'ils affichent dans leur bureau ou ils prennent le taux VISA ? Parce que en général, ils bouffent minimum 2-3 php par euro alors qu'au money changer c'est 1php .
le taux de change est celui de Hsbc et non de visa qui lui est tout proche du taux interbancaire
Ben mais ça dépend où. Y a des endroits ou le terrain est à 10 000 pesos du m2. Les prix ont bien flambés ces dernières années, 100 000 euros pour un condo à Makati c'est plus du luxe maintenant.
heuu acheter une terrain aux philippines pour 100 000 euros, tu vas acheter combien d'hectares.... j'ai l'impression que tu racontes des histoires....
et connais tu les regles d'achat d'un terrain aux philip.... qui ne sera pas a ton nom ? as tu la résidence permanente ?
en fait j'ai mis 100,000 euros comme j'aurais pu mettre 1 million, c'était juste pour dire que pour l'achat d'un terrain bien évidemment je ne vais pas changer la somme au money changer.
Maintenant comme je le disais dans mon message d'introduction, 100,000 euros est une somme à laquelle j'ai penser en regardant vite fait sur des sites internet les prix de vente de terrain aux Philippines. Je vois pas trop pourquoi tu parles de "raconter des histoires", tu peux trouver tout les prix aux Philippines.
Pour ce qui est du titre de propriété, comme je l'ai dis (encore une fois dans mon message d'introduction), je sais très bien que je ne le possèderais jamais donc que ce n'était pas le sujet (au passage, j'ai une fille qui a la nationalité filipino, donc si on achète quelque chose on le mettra certainement à son nom, ça évitera qu'elle ait a payer des droits de succession plus tard notamment).
C'est à peu près ça sauf que même en ouvrant un compte HSBC en France tu paieras des frais de virement. Si je me rappelle bien de HSBC à HSBC c'est fixe quelque soit le montant (quelques dizaines d'euros). Mais vérifie, j'ai peut être la mémoire qui flanche et puis ça a pu changer.
Pour ce qui est du change aux Philippines c'est exactement ça: via internet tu fais un transfert de ton compte en euros vers ton compte en pesos, le change est fait automatiquement. Idem si tu fais retrait au distributeur ou tu utilises ta CB.
Pour les taux je ne sais pas te répondre, de toute façon sur des grosses sommes tu n'iras pas au money changer alors...
bonsoir l ami😉
80.000 à 100.000 euros sont les prix d'une maison moyenne confortable de 100/110 M²
3 chambres.
sur Cebu, avec un petit bout de terrain.
Je regarde aussi les prix.
Nav😉
Hi,
I’m leaving on September 4th for Vancouver as a tourist for 6 months.
My boyfriend works there, so I’m going to visit him. I’d like to take the opportunity to learn English at a school during October and November.
Could you recommend any schools—price, activities, location, reputation, etc.?
Hi! I’m 76 and have traveled a lot in my life, and now I’m looking to settle in Réunion.
I’ve seen a retirement community in Saint-Pierre (Ravine des Cabris) and a residence called Village d’Or in Sainte-Clotilde.
I have a feeling that living in Saint-Joseph might be better.
I’ve submitted both applications and would love your thoughts—also if you know of any friendly small residences for rent, or if you have experience living there.
My pension is 1,460 €.
Thanks so much for your help!
Looking forward to hearing from you—warm regards to everyone
After living for many years in the West (Belgium, Italy, Switzerland),
I’ve decided to return and settle in Cameroon, my home country.
Currently an entrepreneur in real estate and transport, I’m looking for a partner / partners / foundation to collaborate on an agriculture project, as I own 10 hectares of land.
The hectares have remained unused for years due to a lack of financial means, since the project requires what I’d call a considerable investment. As the main stakeholder, I have a minimal contribution to offer.
I believe it’s time to bring this space to life to meet pressing needs and serve the common good of society.
The project is simple:
1) Grow maize + build a processing plant to produce flour
2) Open a mini supermarket + a modern bakery using the flour for pastries, etc.
3) Build a healthcare service
4) Build a nursery and primary school
5) Construct free housing for retired expatriates in exchange for their voluntary contributions in their respective fields.
This is a project I truly believe in, and I invite anyone interested to add their personal touch—whether through advice, guidance, or involvement.
Note: This project has national and international potential in terms of employment.
Hi everyone, my son’s school is offering him a one-month Erasmus trip to Ireland, but he has to find a junior cycle school that will accept him and a host family on his own. Honestly, we’re struggling—we’ve contacted two schools and haven’t heard back! If you have any leads...
What price should I expect to pay for a modest small apartment or a large room in a bedroom community in Quito? Are restaurants and food expensive? And which airline is best to travel from Montreal? Thanks for your answers
I’m considering moving to Miami to live and work for a few years.
If anyone knows what the administrative formalities are—both for getting a work permit and for the steps and reputable organizations to contact (since I imagine there are scammers in this space) when buying a studio in Miami or Miami Beach—I’d love any info you can share!
Hi, I was wondering if anyone has already had the experience of working abroad?
I don’t have a specific country in mind yet, so I’m open to hearing about your experiences on this topic—the pros and cons, etc.
Hi there!
I’m a young Malian looking to work in Morocco. Besides a passport, what other documents are required at the **Moroccan** border?
Thanks for your help!
Hi there. I’m planning to move to Luxembourg around December 2025 or January 2026. I’ll be looking for a job and settling in. My question is: is it too complicated to find housing? Is the job market more advantageous and easier than in France? I’m open to any information that could help me.
Thanks in advance for your advice.
I’d love to hear your thoughts and experiences about marrying a Cuban and moving to Cuba (not the other way around!). Yes, some of us actually *want* to stay on the island! Is it possible to work there without too much hassle, or is it really complicated?
I’m heading to Bangkok for a 5-month internship, and I’m wondering about the budget because I’ve read all sorts of things—so I decided to post here to get answers tailored to my situation! :D
I found housing that costs me 7,000 baht (I know it’s a bit pricey, but it’s super convenient...), which works out to about 160 € all-inclusive. So, I was wondering if it’s realistic to live on 500 or 600 € per month, and if so, under what conditions? Is that enough, considering I’ll be working 40 hours a week?
Thanks in advance for your replies—I hope they’ll reassure me!
WEP offers loads of different projects, including one I really like: helping and volunteering on a farm, particularly in South America (Peru or Argentina).
I’d love to know if anyone has tried this project or knows someone who has... or has done something similar? I’d like to get some feedback before diving into the adventure.
If so, could you share your thoughts on the project, any tips, etc.?
Hi there,
Our departure time is getting closer (we have less than 2 years left—it’s both a long time and so short!). To start preparing seriously, we’ll need quite a bit of info. If anyone knows the rates charged by movers for a crate to French Polynesia, or what pitfalls to avoid (I know you can get quotes directly from movers, but I’d love insights from actual customers😉).
Are there any special requirements before leaving France (aside from taxes...)?
Thanks to everyone for your help—every bit of info is useful. We’re aiming for a departure around 06/2010 (just need to save up a little more...).
Thanks again!
Hi, I’m a self-employed physiotherapist in France, and as my wife (a nurse) and I look into working abroad in about two years, I’ve been offered an equivalence to become a respiratory physiotherapist in Switzerland. Actually, I’m currently doing a postgraduate diploma in pediatric respiratory physiotherapy and want to specialize in that area. Anyway, that’s not the main point—could anyone explain the pros and cons of doing this job in Switzerland? Based on the paperwork I’ve received, the equivalence seems purely administrative or almost... What about working conditions, quality of life, salaries, etc.?
Thanks for your replies.
PS: Same question for my wife, a nurse, regarding her integration.
I’m looking for information about jobs in early childhood in New Caledonia. I’m currently a childminder in a MAM (multi-accueil) and I’ve also worked for about 6 years in several daycare centers as a childcare assistant.
In the summer of 2026, my husband is being transferred to New Caledonia. We’ll be living near Nouméa. Do you know if the early childhood sector is a good field for jobs there?
Can’t wait to discover this island! Right now, we’re in the middle of all the administrative paperwork for our 3 kids, finding housing, bringing our cat to the territory, and so on!
Thanks for your feedback!!
Hi there,
I’ve been living in Bali for a month now, but unfortunately on a VOA visa. I’m looking for a European company that’s set up in Indonesia. I’m in electrotechnical maintenance—air conditioning, cold rooms, 220V/380V electricity. I’ve been a tradesperson for 3 months and can bring my full professional toolkit. If anyone’s interested, let me know!
You can send me a message.
Best regards,
I’d love to go to Japan to travel, and if things go well, work there too.
Has anyone tried finding a job there? Is it even possible without speaking Japanese?
I’m thinking of starting out in restaurants (dishwashing or serving) and then moving into my field, IT.
I’d like to move to Spain, specifically to Málaga.
To do that, I’d like to know if I’ll need any official documents from France to work there, or anything like that...
I’d also love to hear from people who’ve moved to Spain for work—do Spaniards like the French? Is it hard to fit in? What are the salary ranges for a ready-to-wear salesperson? And is it easy to find housing?
My partner and I currently live in Antibes—we’re both freelancers working remotely. We’re thinking about potentially moving to Italy.
We’d like to settle near the French border, between Ventimiglia and San Remo (this is important because we need access to Nice Airport twice a month). ✈️
I’d love to hear about life in this region! We’re looking for a quiet spot close to the sea. Any recommendations? As for the paperwork, is it difficult to get everything official? Is finding housing tough in this area? What kind of guarantees are usually required? If any kind soul could shed some light on this, we’d really appreciate it! 🥺🏻
I'm looking for an au pair who'd like to come to Bournemouth in the south of England, and I'd love to know what the best websites are to find one, please.
I’d like to get some information about my eligibility for the DV Lottery.
About my background:
• I earned a *Bac Pro* through VAE (*Validation des Acquis de l’Expérience*), issued by the *Éducation nationale*.
• I also have a professional certification as a *Conseiller en Insertion* (Employment Counselor), issued by the Ministry of Labor.
• Altogether, this adds up to a *Bac+2* level.
I’d like to know if this level qualifies me to apply for the DV Lottery.
Regarding my work experience:
• I work as an *Employment Counselor*.
• I checked on O*Net Online for the classification: Job Zone 4, SVP Range: 7.0 – <8.0.
• I only have one year of experience, but I handle similar tasks in business creation.
So my question is: can I apply for the DV Lottery despite my relatively short experience, given that my job falls under Job Zone 4?
I’m looking for info on villages around Aix, like Fuveau, Bouc-Bel-Air, or even Éguilles and Venelles?
We’re a couple with a child living in the Paris region, and I’ll be relocating to Aix-en-Provence in spring 2026. We’d love to swap our apartment for a house with a pool within 20-30 minutes max of central Aix, with a budget of around 650k €.
In terms of climate and geography, I’ve read that Aix is in a basin where it can get really hot. What about the surrounding villages that are a bit more elevated, like Venelles? Is it just as stifling?
Starting this spring, we want to settle near Aix-en-Provence. We're tired of living in the mountains with all the snow—we really need some sunshine and a fresh start. Is it hard to find a house to rent there? What about prices? If you have any great tips or useful info about the area, we’d love to hear it. I work in education and want to do prevention work in Marseille or Aix—are there jobs in the social sector?
Anyway, we need tons of info, but we’re sure we’re going to take the leap—no hesitation, adventure is adventure!!!
Thanks for your help and any experiences you can share.
I’m an osteopath and I’d like to set up and open an osteopathy practice in Thailand. I don’t have a precise location in mind yet, but I’m thinking maybe Hua Hin.
I saw there’s an osteopath based in Phuket, so I wrote to him for some info, but he still hasn’t replied🤪!
So I’m reaching out to people who live there or know the country well:
I’d like to know what the best ways are to advertise and get known in Thailand. Are there any local classifieds newspapers?
First, I’d like to practice from my apartment. Is that allowed in Thailand?
Ideally, I’d like to work part-time in a private hospital as an osteopath. I’m thinking that in Thailand, the medical field is much more open than in Europe!!! Has anyone seen an osteopath or chiropractor working in a Thai hospital? Do you know the price of a consultation?
Any info you can share will be super helpful! Thanks in advance[;)!!!]
Hello everyone,
We’re a small family from the south of France, with a 2-year-old little boy, and we’re dreaming of starting a new adventure abroad by opening our own business. For now, we haven’t chosen a specific destination yet.
We mainly speak French, with a basic level of Spanish and English, and we’re ready to improve these two languages if needed. We’re looking for a multicultural, safe country with quality healthcare and good schools accessible for our son. We’d also love a pleasant place with a mild climate where life is good.
Our idea is to travel to different countries to explore, compare, and refine our project. We’d be really happy to read your tips, experiences, or anecdotes if you’ve already undertaken a similar project or if you know key points to anticipate.
Thanks in advance for your shares and help—it would really help us move forward with our project! 😄
Hi everyone,
I’m heading to Dublin as an au pair in a few weeks.
I’m looking for a reputable language school. It’s so hard to choose! Has anyone already done a language stay in Dublin? Any tips? Thanks so much! :)
