in no way was i intimating in any way that motorcycle riders are bad in any way. However as a car driver I have been stopped maybe twice in 20 years. That the bikes cop it is just fact. No offence taken.
I have lived in both countries and for retirement I chose Thailand. While The Philippines is a beautiful country, the level of personal security is poor. Robberies and kidnapping, is still very prevalent. Yet in Thailand, there is no where I would be afraid to go day or night.
The knee hurts like hell after a replacement operation. You just have to fight through it with physio. I used to take 2 tramadol tablets 20 minutes before physio and still screamed the roof down.
all an honest broker can do is give advice and let the guy decide. It depends on pre-existing problems, also I agree, about shysters in offices. But a good broker will know, which companies are dodgy.