philippines

Hello! I’m 19 years old, thinking of applying for a life insurance but my main purpose po sana is to have HMO.. although, i’ve searched about Kaiser and it has HMO plans including investments too pero yung pinakamababa na premium monthly is 2.6k which is a bit heavy for me as a college student...

Hi all! Ok so long story short my 3 years fixing loan from bpi has ended and now received a notice that they will increase from 5.5% to 9.5%, yeah a freaking 4% increase. Anyone experienced this? What did you do? What are my options you took. I’m exploring to refinance from another bank or pay...

Hindi siya forex trading o stock trading. Parang self made na copy trading siya sa pinas, though wala ako nakitang SEC regulation or DTI permit man lang sa home page ng website. Bagong gawa din lang ang website, 2021 yung copyrights nya. Though properly designed na din yung website niya as a...

Hi guys. First time to do a major renovation on our bare small house after more or less five years of living here. We thought it is due time to have some improvements, starting with the kitchen. We reached to different contractors and they quoted as around 300k for the whole thing. Just want...

The PH Gov’t’s RTB30 is very tempting for me since I’ve been saving for quiet sometime. The local and digital banks’ interests/dividends offerings are far way less than the 6.250% interest for a 5-year tenor, safe and well-guaranteed investment. I’m, however, troubled with the thought that by...

Hi. I’m thinking of depositing or rather transferring some money from UNO Digital to their UNO time deposit with 6% interest for 6 months. I just would like to know how’s your experience with this digital banking institution if it’s safe to park my money here for time deposit? I’m kinda...

Hello! I would like to ask how nalalaman if legit ang ads ng mga ‘rent to own’ condos sa facebook. I’m planning kase to own one to finally have a place of my own. Ang usual na nakita ko contains: “NO DOWNPAYMENT!! 5 YEARS TO PAY 0% INTEREST FLEXIBLE PAYMENT TERMS Studio type xxSQM xK for xx...

So the context of this post is I (Account A) and My Mom (Account B), have a shared and/or Checkings account (Account C) with BDO. So we opened a checkings account as to easily facilitate large transfers between our accounts if needed as advised by our manager friend from BDO since Checkings...

Hi everyone, Me and my 2 brothers inherited a land. One sibling(J) is interested to buy out the rest. Rest of siblings are wanting to build an apartment or sell publicly as J mentioned that according to law, any heirs/relative that is interested to purchase will be a priority. Issue is, he said...

Hi! For background: I live in the US, 28, single, and make a little more than 4k USD. I save about half that amount per month. Our Family recently built a mini mansion w/ a pool in SF pampanga and I was the architech/interior designer(yes I learned how to use sketchup haha) and I'm inspired to...

Dear all, just wanted to share somethinh about what recently happened to us in the process of acquiring our 1st ever property. Way back 2020, we started to pay 2 cuts of lot ( 170 sqm in total) for only 5400/month for 5 years. Around late 2022, the developer has informed us na irerefund na daw...

So I was wrong when I said they won't have a similar promo again this month, but at least it works in my favor as I emptied my CIMB last January, such that I am able to maximize the ADB Growth for February. Mechanics for the promotion are in this link: 8% Prosperity Promo Deposit Campaign |...

Happy Wednesday, Barkada -- The PSE lost 157 points (!!) to 6405 ▼2.4% Shout-out to Shehana Jean loves LK and Funko Collectibles for wanting more CREIT upside from the sale of shares to SM, to CHARToons for noting all the pumping and dumping that was done in AR's name (and in APL's name), to...

Hello fellow redditors, ask lang for help and suggestions, im planning to loan 2.7 M, and currently ang credit history na meron lang ako is UB since nov 2023 lang and mababa siya, 15 K (kakasimula ko lang) So ang naiisip ko is magpersonal loan sa bank gamit collateral is title ng bahay. Ano po...

What steps can I take to confirm my suspicions that my condominium is overcharging my electricity bill? I’m a post grad student residing in Ermita, Manila. I live alone, renting a 37 sqm studio type condo. The condominium does not give us the meralco bill, but gives a unified billing statement...

Hello Pioneer redditors, kindly requesting advise for this. Background : My Father is addicted in having loans. Ever since, gusto niya talaga may utang. According to him, it makes him to work hard more kapag may utang siya. (Hindi na talaga siya napipigilan 55 years na, and he really does work...

hi guys! newbie paper trader here. I have a question and i hope someone can answer, thanks in advanced!. My question is regarding buying position sizing. after watching this video, , at around 3:58 minutes, he discussed the formula for buying position sizing. And it thought i try it with my own...

May kausap ako na sales agent pero ayoko ipadaan yung bayad sa kanya. Kung sa eStore ako bibili, lalagay ko naman yung agent code nya para may commission sya. Respeto na rin sa effort nya sa pag entertain sa akin. I’m paying in full so gusto ko straight to St. Peter yung payment. Pwede naman ako...

Happy Thursday, Barkada -- The PSE closed up 23 points to 6943▲0.3% A huge shout-out and humbled thank-you goes out to our new "Ministop Coffee Crew" patron, Miguel. Thanks for the coffee, Miguel! I can use it this morning. :) (sleep training the baby through teething is... interesting) Thank...

I came across a chapter of a book wherein it highlights the advantages and disadvantages of a father and son from the same lifetime. The gist of it was that the father had it rough because of world war while the son had it easy because he started working after the war. The son actually made it...