Note that your less affluent neighbors will often seek to fleece you of your money for all the reasons in the book. They will end their spiels by saying, "Nandito lang po kami 'pag kailangan n'yo kami". I never fell for that, and taught my sisters and nephew not to. After all:

--They always need you more than you need them
--Test their words by calling upon them some time. You will find that they will be unavailable or unwilling to help you and will give you all sorts of excuses.