Amoud, peace! What I am telling is based in my own experience. Don't take it too personal. I have a rights to comment and you have a rights too. If that's your comment or heard about the Filipino people, then be it. Its your right. I believe that every person is different to each other. Even if you are in the same nationality.

And to your question regarding that expiration of money? Why didnt you answer that Filipina. All you have to do is to answer her based on your understanding. Its easy as that. khalas.

Igalang na lang natin ang isat isa = Respect each other
Yun lang = Thats all
Babu = bye.