There's a lot to reply to here. Yes I am quite familiar with the rules around dating and arrangements for where I will sleep and other arrangements have been made.
In a way, I will be sort of adopting 5 people economically for a short time. There are three siblings who haven't finished their High School, because they've had to work, so now it's a one day a week thing, which could drag on for years at the rate they are going. Many people who are perfectly capable academically, end up being 30 years old dead end jobs, before they can even seek higher education because of this. And so often, the women are saddled with children by then. Luckily none of them have reproduced.
It took quite a bit of work for me to squeeze things out of her concerning the economic status of the family. It's a source of embarrassment, particularly the state of her mother's home. She has never asked me for anything, and it's taken quite a bit of explanation on my part, to convince her that keeping the whole family in school for a couple years would be a minor cost.
Her friends have warned her that I would dump her because she's using me. It took quite a bit of quizzing to determine that she needed some dental work done. There were pictures of her with her sister and she had a pained look on her face. So, I asked some questions about her teeth, and three fillings were needed. She had been in constant pain since we first met, but didn't want me to know about it, because she thought I would look for a girl who didn't have dental problems. It cost under $100 to fix these issues. When the money arrived, both sisters insisted that she send it back, because they considered it inappropriate to receive this
gift, which is approximately equal to her monthly income. So, I had to explain again that I earn that much money in 2 hours. Every 2 hours I earn the equivalent of her monthly income.
The siblings all know about the house now, although that was supposed to be a secret at one point. She blabbed to one of them and within hours everyone knew. This was a cause of happiness and worry for them. Worried that their sister had talked me into something, which she definitely didn't. I told her that we need to do something besides just to visit restaurants and have fun in the city and the best way for me to get to know her and her family would be this project.
And she has told one sister about the educational plan, so I'm sure that this time next week everyone in the Philippines will know about it.
Setting limits.
We talked the other day about the possibility of many people outside of her immediate family, thinking that I might be able to do something for them. I used an example of feeding pigeons, and what happens when you
feed one. She is quite familiar with the concept. It has happened to her when she received a paycheck. But it's not people bugging for new shoes like you might find here in North America. It's often people who need to eat. She often lends out a portion of her earnings to friends who need to eat, but they always pay it back eventually and sometimes she has borrowed for the same reason. She could barely believe that a person can eat well in Canada on 5% of their income, if they have it together financially.
So, back to setting limits. Her family were largely abandoned by relatives on both sides, when her father died, leaving her mother destitute with young children. I told her that I would want to only improve the economic situation for her immediate family, that I cannot help everyone in the Philippines. She is totally on side with that. If I create a business large enough to need employees, I would certainly put her extended family at the top of the list, but I can't provide everyone with free education while renting an apartment for everyone to live in. So, I don't think that's going to be the same challenges that it is for people who have strong ties to hundreds of relatives. She is totally on side with me buying back land that used to belong to her father, from her alcoholic uncle, and using his problem against him if necessary. He took advantage of his sister-in-law's dire need, in acquiring those assets.
So, if all goes well and I really believe it will, I will keep her three siblings in school full time in an apartment that cost about $200 per month. They will all live together and this will be a huge improvement over how they are living now. My total cost might come to $400 per month and I see that as a very good investment. All of them will be able to quadruple their incomes once they have graduated. Both sisters are quite sharp and I expect that they would either operate a business that I would help create or move on to something better. It could be that the brother always needs to be our employee, but if he were earning $5 a day it would be a vast improvement over what he has now. She tells me he's a very hard worker, but often earns less than $1 a day. And that goes into food. I could see having him stay full time at a farm that I buy where his food and housing would be provided and he could keep his earnings. He wants to go into the army, and she says it's because he believe that he will be able to have a girlfriend. He's 23 and has never been on a date. She said he's socially awkward, but always trying as hard as he can. So, maybe he will finish his high school and gain the confidence to join the Army and maybe we will keep him busy with something useful. He has had a much harder time then his sisters, who all went from being working students to nannies, where food and housing is supplied.
I only learned a few days ago that my girlfriend began working in a wealthy home when she was in grade 1, so that she could attend school. Luckily, none of these families were abusive. She knows about others who weren't so lucky. She said that the mother of one family was a real Taskmaster who kept her busy at all times when she wasn't at school. But others gave her a much lighter workload, so she could be a child. Her favorite family celebrated her birthday and took her on all family outings and they paid for her to make regular trips to see her siblings. When they threw the first birthday party that was a surprise, she started crying because she didn't know how to react. The mother from that family is very important to her and she refers to her as her aunt.
We both agreed that I will handle all financial decisions for the foreseeable future, since she has no experience, beyond survival. I got her to look for a place for me to stay while I'm there and she looked at some real rat holes, that were extremely cheap. In the neighborhood of $50 per month Canadian. I've settled on something that is $200. That's so much better than going to a motel for a month.
I also had her searching real estate listings for land. That didn't work out because she set the bar so low. So I had to convert my net worth to Philippine pesos and then state the minimum value of property we will be looking for. She worries that all of her friends and relatives would be jealous of her and it would cause friction if she lived somewhere with the sort of value I have in mind. And that's something she would have to get over. The idea of moving from relative poverty to upper middle
class, without working for it, really bothers her. So I have promised to create lots of jobs for her, so that she will be an integral part of my financial engine. She talked about working an outside job as well, and I said that would be ridiculous, considering that these jobs pay nothing. It's been much better in the last couple of weeks, when we've done over the math a number of times. I presented her with many different scenarios that include a math problem, and she completely understands mathematics. It's just that instead of talking about a few hundred pesos at a time , now it's 10 million. She has worried greatly that she would make some mistake, that would cause the loss of some of this money. So we've gone over quite a few scenarios of how many can be earned and spent. If you put an American Tourist on the back of a horse and give them two hours, that's worth roughly 30 American dollars. It takes her 13 days to earn that much money. So, we've agreed that she will handle the small transactions like that and I will do everything to do with land and the purchase of other large assets. Always being relatively poor, she had no concept of how much money foreigners spend when they visit. But she's gaining a better understanding of it and of the much larger costs associated with running anything for foreigners. There would be insurance, possibly bribes to be paid and other costs.
I'm going to start this out quite slowly with just a piece of land and a really nice house for the two of us with room to accommodate the whole family whenever needed. Then I will attempt to attract some of that foreign money. A beautiful place surrounded with a food forest will be a good start. And after I get things rolling, I hope that her brother can be part of its creation and maintenance when I'm not there.
I will address the building issues and earthquake in another post. These are things that I have researched extensively and I know what I'm doing.