All you have to do to drive up traffic and controversy on your blog, You Tube vlog, forum, or in expat conversations is state that “Filipinas are scammers” or “they all will take advantage of you.” Others will nod their heads in agreement or sagely advise to “let’s be careful out there.”

Let me state my argument up front. In 90% of the cases it’s a “you problem.”

Now I am not trying to suggest that there are not “bad” women in the Philippines looking for cash, just as there are any place in the world.

But going back to my refrain that you’re gonna read often, so get used to it; generally it’s a “you problem.”

After all, you have all the advantages. You’re typically older (in my case much, much older) with the alleged wisdom that comes with age. You have a 1st worlder’s sophistication and a 1st worlder’s education. And even if you’re poor as a church mouse, by Philippines standards you’re rich – at least a little bit rich 🙂

And the Filipina friend you’ve been cultivating online? Young and inexperienced, unsophisticated, without that 1st world education. And let’s not forget she has no money, nor have her parents. So you have all the advantages, right? Well expect for the fact that she’s cute (or in the case of Janet more than just cute), sweet, treats you great, has a traditional sensibility. And oh, did I mention she’s pretty damn cute?

Barely a day goes by in which I don’t hear a tale of woe about some guy who sent money to a girl online, built her a house, paid the medical expenses for her parents or uncle, etc. Then he found out that she – wait for it – wanted his money.

I’ve said it before and I will say it again. This is the easiest problem in the dating world to navigate; don’t send any money to someone you have not met in person and are not in a serious relationship with. And if you choose not to heed that advise – it’s a “you problem.” And BTW, even after you have met and are in a relationship, stick to the common refrain “less is more.”

That being said, you could consider a “test” with a small amount of money. I did it with one of the women I was chatting with back in the day. She chatted online from an internet cafe, a pretty common occurrence in the Philippines. But she wasn’t online much; money was the obstacle. I finally proposed that I send her the princely sum of $20 on the condition that she use it solely for our chatting; you can chat a long time for 20 bucks in the Philippines. You can guess the outcome. A couple weeks later she finally got online and admitted she spent the money, probably on something foolish like food. For a tiny investment I had my answer and found a much better chat mate in Janet.

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Then there’s the refrain you often hear that all foreign women just want a green card. Right – cause every Filipina wants to live in a crazy place where we all just spent the last year arguing over Trump vs. Clinton 🙂

I’m not saying it doesn’t ever happen but I know 100+ Fil-Am couples living in my city and none of the women dumped their husbands the moment they got the green card. And believe me, with the exception of yours truly, none of these guys is exactly George Clooney.

OK, I do know one couple that divorced and the green card was an issue. The guy is bright and successful but complained about the wife from the moment they married. Eventually he proposed they divorce but that he would allow her to get her 10 year green card first. Scammer that she was, she actually wanted to save the marriage; he didn’t. Well at least she got the green card.

Anyone who is an avid reader of this blog knows that I have made a mistake or two in my Philippines journey. I just thought it ridiculous to blame an entire country of women for the mistakes that I made. Well, that and the fact I still had lots of fun making those mistakes.

Now most of us are adults here. By that I mean that what you do is your choice. If you want to send money to a girl you haven’t met, or shower her  family with cash and prizes or any of a huge number of foolish things guys do when they’re around women; well, it’s your money and your decision. You have the right to do whatever you want. Just don’t complain afterwards about how “they” are all scammers.

So guys – be careful in dating, whether you begin online or in country. Get to know each other as best as you can. Visit her as often as you can. Take your time. But in the end, you’re the one with the age, sophistication, education and resources. If things don’t go the way you hoped – say it with me – it’s a “you problem.”