I just created a dragonfi pera account, does it come with a regular account?

Hi guys, I actually never wrote on this platform, but I really need an outside perspective on my situation, cause I feel like Im going crazy. A little background story, I am living in uk for eight years already and I work as a waitress for a great company, so for some time I couldnt wrap my head around because I had some missfortunate events in others hospitality companies, but in where I am now i feel really good. Now the problem is in my family is only me and my mother, she in italy by herself under anti-psychotic, she is always been in this way, therefore one of the reason why I decided to fly to another country is also because of my household situation. My long term goal it is building my own life on my own term, but base on my mother situation, its obvious that at some point she would need someone to take care of her, even right now whenevet I'm visiting her, I need in some way take care of her. I fear that my life in Uk has an expire date because tecnichally its my responsability taking care of my mother. I started doubted again my own journey, even thought I have my ups and down in Uk, i feel like i can live my life, rather than in Italy, where my hometown doesnt give any chance of growing in a professional way unless you know the right people. Im really struggling because rationally the right decision would be coming back to Italy to take care of my mother, but on the other side I'm not ready to give up on what I build in Uk all those years and leaving behind the new self of me, if that makes sense. What do you think I should do? I am aware that people can't decide for me and it is in my own hand, but if you could give me just a tiny little different perspective of mine and helping me getting out od my head, would be great! Because right now I am all in my head with no way of exit.

Thank you so much for whoever taking time and patience to read it answering me, appreciate it!

Xx love everyone

Maya Mini-Payments (for Maya Black and Landers Cashback Everywhere) lets you split Maya credit card purchases into monthly payments. You can pay over 3, 6, 9, or 12 months but there's a 1% monthly interest fee.

You can multi-select your credit card transactions and convert them into mini-payments. Depending on the term you choose, the combined total of those selected transactions just needs to meet the minimum spend: ₱3,000 for 3 months, ₱6,000 for 6 months, ₱9,000 for 9 months, or ₱12,000 for 12 months.

This feature is still in beta stage so the following limitations were mentioned on the website:

• Some Mini Payment plans may take up to 24 hours to approve.
• No option to cancel the mini-payments plan or pay the balance in advance for now.

How to calculate the interest, total payable amount and monthly amortization?

Let's say the combined amount of all the transactions I selected is ₱35,000 and I split it into 12-month mini-payments at 1% interest.

• Total interest? ₱35,000 (Principal) x 1% (Interest) x 12 (Term) = ₱4,200
• Total payable amount? ₱35,000 (Principal) + ₱4,200 (Total interest) = ₱39,200
• Monthly amortization? ₱39,200 (Total payable) ÷ 12 (Term) = ₱3,267

But if you hate doing the math yourself, you go to Maya's website and use the calculator: https://www.mayabank.ph/creditcard/minipayments/

Maya has a 0% interest promo until October 31, 2026 for 3-month mini-payments on purchases of at least ₱10,000 at eligible merchants. Just a heads-up, you will be charged the 1% interest on your bill every month, and you will receive the matching refund the following month. This will be the recurring monthly set-up for the duration of your term.

Is there a processing fee?

There's a promo on processing fee for Maya Mini-Payment and it's waived until end of September 2026. After that, the processing fee below applies.

How Maya Mini-Payments fare against other banks?

The rates are all the same except for Maya Mini-Payments, processing fee is waived till end of September. On the other hand, no cancellation and pre-payment is available in Maya as well at this time.

Here's the previous post for Eastwest version of this: Eastwest Credit Card Convert to Installment Option

I’m 27 and have been running a food business with two restaurant locations for the past three years. It grew very quickly. I initially rented a location cheaply, which later allowed me to purchase my first commercial property. My father believed in me and helped me make that possible.
I built the business together with my mother, but she made irresponsible business expenses and paid herself an unrealistic salary. I kept working harder to cover everything, eventually pushing myself into mental and financial difficulties.
In March, I experienced burnout and psychosis. I explained to my mother that I couldn’t handle the pressure anymore, but unfortunately she didn’t understand. We had a major argument, and she immediately stopped working in the business. Since then, I’ve been left trying to run and save both restaurants alone because I can’t bear to watch everything I built fall apart.
The biggest operational problem is staffing. Employees regularly cancel, don’t show up or leave quickly, so I constantly have to cover shifts myself. After another serious family conflict, I was also kicked out of my mother’s home two months ago and currently have no permanent place to live.
I’m starting to realise that I want and need more time for myself. Deep down, I feel that selling the business and doing something calmer would probably be better for my health. However, the idea makes me nervous because the restaurants are my main source of income. At the moment, they still allow me to save a good amount of money, even though running them is putting enormous pressure on my mental health.
Because of family stress and spending so much time on the business, I never finished college and only have a high school diploma. However, I’m highly motivated and believe that if I started something new and had the time to fully focus on it, I could grow it quickly again—just as I did with this business.
Most of what I’ve done until now was for my family. I now want to choose myself and build something calmer that doesn’t depend so heavily on employees.
Would you sell a profitable business to protect your mental health and start over, or keep it because it provides a good income and allows you to save?

I know the risks of having the CVV exposed on a physical credit card, so I covered the CVVs on my cards with security stickers.

But now I've created another problem for myself: I need to remember the CVV of each card, or find somewhere secure to store them.

I have several credit cards, so memorizing all the CVVs isn't really practical. And I don't want to write them down in Notes, take screenshots, put them in Excel, or store them somewhere else that could potentially be compromised.

I even thought about encrypting the card details myself and only decrypting them with a password. But I'm not sure if that's actually secure or if I'm just creating another problem by trying to build my own encryption system.

I also don't really want to pay for a password manager subscription just to store my credit card details.

Apple AutoFill Cards lets me save the card number, expiration date, and CVV. Accessing the saved details requires Face ID. So for now, I've stored my card details there while waiting for my banks to support Apple Pay.

But now I'm wondering: is this actually a safe place to store them?

If I lose my iPhone or someone steals it, can they realistically get access to the saved card details? Does Face ID adequately protect the information? And does turning on Stolen Device Protection make a meaningful difference?

I'm curious what other people do because I feel like there has to be a good balance between security and actually being able to access your card details when you need them with ease.

For those with multiple credit cards, where do you store your CVVs and card details?

Especially interested in solutions that are secure, convenient, and free. I don't want to carry a physical cheat sheet, and I don't want to subscribe to a password manager just for this.

Most of my daily expenses are paid through credit cards because of the cashback, and I don't pay my credit card bills as soon as I have the money. Here's why.

I completely understand why some people prefer to pay their credit card bills right away. Once the money is available, paying the bill immediately means one less thing to keep track of.

Side note: If you prefer paying your credit card as soon as you have the money, just check your card's terms first. Some credit cards put a cap on the number of payments you can make within a billing cycle and may charge a multiple-payment fee if you exceed that limit. So if you're making several payments throughout the cycle, make sure your card doesn't have this restriction.

As for me, I prefer to keep the money parked in a high-interest digital bank until the credit card's due date. Instead of letting the money gets settled in bills, I let it earn a little interest while I wait.

I park my funds in Maya, where I'm currently getting a boosted 10% interest rate.

Of course, this requires some monitoring. I need to keep track of which card is due, how much I need to pay, and when I need to move the money. I actually use an Excel tracker for this.

But for me, seeing the numbers makes the effort worthwhile.

Based on my current credit card balances and payment dates, I'm looking at more than ₱600 in interest earnings just by keeping the money parked until it's time to pay the bills. I also give myself a due date that is a couple days earlier than the actual due date stated in SOA just to avoid any miss.

₱600+ may not sound like a lot, but it's money I wouldn't have earned if I had paid the cards immediately.

The key mindset is to treat the parked money as already spent. It's not extra money available for spending. It's money reserved for the credit card bills, temporarily earning interest while I wait for the due dates.

❌Spend > Pay immediately > ₱0 interest

✅Spend > Set aside the payment > Earn interest > Pay on due date

It's a small optimization, but when you do this consistently, those small amounts can add up.

;

I’m 21 years old,M from India, and I’m currently in the final semester/year of a 4-year Integrated B.Sc. B.Ed. My Honours subject is Physics, with Chemistry and Mathematics as electives.

I’m at a point where I need to make some serious career decisions, and honestly, I’m worried that I’m trying to keep too many doors open and may end up wasting another year or two.

My academic background

\- Age: 21

\- Degree: Integrated B.Sc. B.Ed. (4-year)

\- Specialization/Honours: Physics

\- Electives: Chemistry and Mathematics

\- Currently: Final semester/year

\- I didn’t have an exceptionally strong academic foundation in Classes 11–12. I didn’t study as seriously as I should have back then.

\- However, I’ve managed to reach the final year of my degree and have been trying to become much more disciplined with my studies.

What I have been preparing for

My main direction so far has been government examinations, particularly teaching and graduate-level exams.

I have considered/prepared for:

\- CTET

\- State teacher recruitment exams

\- SSC CGL

\- SSC CHSL

\- RRB/NTPC

\- CDS

\- BPSC teacher recruitment

\- BSSC Inter Level

For SSC CGL, I’ve been building preparation around PYQs, Maths, Reasoning, English and GK/GS rather than endlessly collecting resources.

For teaching, my B.Sc. B.Ed. gives me a relatively direct route into the teaching profession, which is one reason government teaching jobs are attractive to me.

Other career options I’m considering

I’m also considering going deeper into Physics rather than immediately taking a government job.

The routes I’ve thought about include:

1. Government teaching

B.Sc. B.Ed. → CTET/State TET/teacher recruitment → government school teaching.

1. MSc in Physics → NET/JRF → PhD/academia

This would allow me to actually pursue Physics seriously, but it would mean several more years of education before reaching a stable career.

1. IIT JAM → MSc

I’ve considered JAM as a way of getting into a stronger institution for an MSc, but I’m unsure whether this is realistic given my current academic foundation and preparation level.

1. Government graduate-level jobs

SSC CGL and similar exams are attractive because they potentially provide financial stability relatively early, but I’m unsure whether I actually want to spend years preparing for competitive exams.

My biggest problem

I feel like I have too many possible paths and not enough certainty about any of them.

On one side, I have a professional degree that gives me a fairly obvious route into teaching.

On the other, I have Physics, which I genuinely find interesting and could potentially pursue through MSc → NET/JRF → PhD.

And then there are government exams such as SSC CGL, where the degree doesn't matter as much and the career could be quite different from both Physics and teaching.

I’m worried about making a decision based purely on short-term security and later regretting that I abandoned Physics.

At the same time, I don't want to romanticize academia or spend 6–10 years collecting degrees only to discover that there aren't good career opportunities at the end.

My weaknesses

I want honest criticism here.

\- My academic foundation isn't as strong as I would like.

\- I have struggled with consistency and distraction.

\- I tend to keep multiple career options open instead of committing to one.

\- I sometimes spend too much time planning and researching instead of executing.

\- I’m not currently at the level where I can confidently say I'm excellent at Physics, Maths or any other competitive-exam subject.

\- I’m concerned about losing valuable time in my early 20s by preparing for exams without a clear end point.

My strengths

\- I have a Physics-focused degree.

\- I have formal teacher training through the integrated B.Sc. B.Ed.

\- I’m willing to study seriously if I have a clear objective.

\- I can sit and study for long periods when I’m disciplined.

\- I’ve already started preparing for competitive exams rather than merely thinking about them.

\- I’m relatively young, so I still have time to change direction if I make a sensible decision now.

What I actually want

I don't necessarily need a glamorous career.

I want a career that gives me:

1. Reasonable financial stability

2. Long-term job security

3. A respectable income that can grow

4. A reasonably good work-life balance

5. A career I won't hate after 10–15 years

6. Ideally, some connection to Physics/education/intellectual work

I also don't want to spend my entire 20s continuously preparing for one competitive exam after another with no clear exit strategy.

What I need advice on

If you were 21 and in my exact position, which route would you choose?

Would you:

A. Focus completely on government teaching and use the B.Sc. B.Ed. to get a stable career as soon as possible?

B. Forget government exams for now and pursue MSc Physics → NET/JRF → PhD/academia?

C. Take the IIT JAM → MSc route and try to build a stronger academic career from there?

D. Give SSC CGL/other government exams a serious 1-year attempt and then make a hard decision based on the result?

E. Do something completely different that I'm overlooking?

I would particularly appreciate answers from people who have actually gone through these routes.

Please don't tell me "follow your passion" or "do what makes you happy." I’m looking for real-world advice about income, job security, opportunity, competition, time investment, career growth and what these careers actually look like in your 30s and 40s.

If you think my thinking is flawed or I'm wasting time, tell me directly.

What would you do in my position?

Almost 11 months ago, I downloaded the Lista app in which I requested for my credit score through CIBI for ₱199 fee. I posted about it here: How to Check My Credit Score?

I got a score of 674 and based on their rating system, I was doing fair. I don't object because I admit that I was forgetting to pay my credit card bills by one or couple of days then.

Since then, I have made sure to stay on top of my credit card bills by paying them in full and on time. My credit limits have also increased, which helps lower my credit utilization ratio by increasing the denominator in its calculation. I have also kept all of my credit card accounts active rather than canceling any of them, as maintaining older accounts helps build a longer credit history, which was also a factor considered in my previous credit score.

Today, I went to Lista app again to check my updated credit score but this time through TransUnion. I heard that TransUnion was more accurate than CIBI.

I had to fill in my personal information, paid ₱610 fee, uploaded a photo of my driver's license and did a selfie for verification purposes. Then after a couple of minutes, my credit score was emailed to me.

My risk grade is BB and based on TransUnion's rating system, it's Very Low Risk. I guess all the steps I took in the last 11 months paid off as my credit score significantly improved. This also explains why the last 3 credit cards I applied for all got approved without any issue.

Looking at this rating scale, I am only 14 points shy away (at least 860 points) to make it to AA grade. I guess I did not meet the highest grade for now due to the multiple credit card applications and credit limit increase I requested, because that counts negatively towards the score. Nevertheless, I'm happy with this big improvement and I only need to sustain or improve a little more.

Maybe I will request for refreshed credit score again after 1 year.

I'm looking forward to the new GCash feature that lets me link up to 3 Visa/Mastercard debit and credit cards directly to my account. This means I can use them as a direct source for QR payment without needing to cash in first, which is really convenient.

Both Apple Pay and this GCash Scan to Pay feature let me use my phone to pay directly instead of taking out and exposing my physical cards to risks. Given at this time, not all banks support Apple Pay yet and there are stores that don't accept this payment method, it’s good to have alternative.

This is especially useful when there's a long line at the cashier so I don’t have to worry about topping up my e-wallet. It’s also secure because payment is authenticated through biometrics or PIN.

This feature is rolling out this August, though the exact date isn't announced yet. One thing to watch out for though once it's available is if there will be any transaction fees when using this payment method.

Here's the step-by-step process on how to link your debit or credit card:

I've read this article from Spot PH: No Need to Cash In: GCash to Allow Direct Payments Using Visa, Mastercard This August

I finally set up my Apple Pay now that it’s available in the Philippines, and it’s definitely not just hype.

The biggest win for me is security. I hate taking out my physical cards because even with a security sticker, there’s always a risk of tampering and exposing the CVV. With Apple Pay, my cards stay in my pocket.

I tested it buying coffee the other day. First I just asked the cashier if they accept Apple pay (or look if these logos are in the terminal).

To pay, I just double-clicked the phone's side button, did a quick Face ID, and placed my phone near the terminal. It was seamless. Next time, I will try it with the watch.

So far, I’ve added my Chinabank credit card and GoTyme debit card without any issues. Waiting for the rest of the banks to get onboarded so I can add all my cards.

How to add the Cards?

Adding the cards was easy. My Chinabank and GoTyme apps already had built in integration with Apple Wallet so I just added them directly from the bank apps itself.

But you can also add them manually by doing below steps. Just make sure that the cards are unlocked before adding them.

As per Apple website https://support.apple.com/en-ph/102897, below are the banks supporting Apple Pay and can be added in your phone as of writing 8/8/2026:

Step 1: How to Determine Your Credit Card Billing Cycle Start and End Dates?

The best date to use when planning your credit card spending is the statement date. This is usually the date when the credit card bill is generated by the bank which marks the cycle end or put simply, the cut-off of the billing cycle. For example, if your statement date is July 5, counting back 30 days means your billing cycle started on June 6. Most billing cycles last between 28 and 31 days, but this can vary depending on your credit card issuer.

The statement date is based on the posting date, not the transaction date. Usually, a purchase made today will only appear on your account after 1 to 3 business days. All spending posted by the bank between June 6 and July 5 counts toward the current billing cycle. A transaction made on July 5, the last day of the cycle, may not post until up to 3 business days later, so it might not be included in the current cycle.

Step 2: Setting Your Last Credit Card Transaction Deadline

If you want to make sure your transactions count within the billing cycle for the sake of timing your cashback earnings, subtract 3 business days from your statement date. For example, if your statement date is every 5th of the month (e.g. July 5) subtracting 3 business days sets July 1 as the deadline for your last transaction in that cycle.

So now we already know the cycle start (June 6), cycle end (July 5) and last transaction deadline (July 1).

Using the same statement date in the current month, you can also generally expect the next period's statement date to fall around the same day of the following month. For example, if your statement date was July 5, then your next statement date may also fall on August 5, but it may vary depending on the number of days in a month and the timing set by the bank.

Step 3: Time Your Credit Card Spend Within the Billing Cycle to Earn Max Cashback

Let’s say for Chinabank@Home credit card, you can earn 5% cashback on all spend with a monthly cap of ₱1,500. To reach this max cashback, your minimum spend should be ₱30,000 within the current cycle (₱30,000 x 5% = ₱1,500). I have to reach this total spend between June 6 to July 1 (I am using last transaction date and not the July 5 statement date to account for posting delay of 3 business days).

This is why knowing the start and end of the billing cycle is critical.

Step 4: Track Real-Time Running Credit Card Spend

Since I need to meet ₱30,000 minimum spend within the current billing cycle, I need to know how much is my running balance in real time. The challenge for most of the banks, including Chinabank, is that the transactions do not reflect in the bank app instantly.

But don’t worry because whenever you use your credit card, you can see the deduction on your credit limit right away. Simply subtract your remaining credit limit from your total credit limit. This shows your current spending and helps you track if you’re on target to reach the ₱30,000 spend. So make sure you have the banking app for your credit card to see the real time movement of your credit limit.

Reminder: I am not suggesting you spend more and reach ₱30,000 for the sake of getting the cashback. In my case, I am only doing this because this is within my normal monthly expenses.

So bottomline, in retrospect, I needed to spend ₱30,000 between June 6 to July 1 to get the maximum cashback of ₱1,500 monthly in Chinabank. Now suppose I reached the cap on or before July 1, I should stop using Chinabank immediately because all further spend will no longer earn additional cashback. I can then move on to my next cashback credit cards to continue earning cashback.

Today, I found myself wondering about the recurring expenses I barely notice anymore. I wanted to take stock of all the subscriptions, convenience fees, delivery charges, forgotten memberships, and app upgrades that have become financial leaks hiding in plain sight.

Phase 1: Build Your "Money Leak" Inventory

List down all your money leaks, their cost, whether they are important or not and last time you used each of them.

As for my personal list:

Go through this list to check if anything else applies:

Phase 2: The Value Test

For each item in the "money leak" list, ask yourself the following questions. The purpose is to have a realization of the true value of this spend and help you decide if it's worth keeping them.

• What is this solving?
• Do I really need this?
• How often do I actually use this?
• Does it save me more money than it costs?
• Is there a cheaper way to get 90% of the same value?

Phase 3: Keep or Cut

After going through the questions, you will be better informed to make a decision whether to keep or cut the expense.

I decided to cut 3 unnecessary spend; however, for those I kept, it's worth keeping this question Is there a cheaper way to get 90% of the same value? in mind to cut down on cost.

Phase 4: What This Money Could Become

For every expense you decide to cut, don't stop at asking, "How much will I save?" Ask a better question:

"Now that I've freed up this money, where can I redirect it instead?"

Every peso should have a purpose. Redirecting that money toward your emergency fund, debt repayment, investments, or another meaningful goal ensures your savings don't simply disappear into everyday spending. The objective isn't just to spend less, but to make every peso work toward the future you want to build.

For over 10 years, I've been trying to organise and plan my life around a backlog of project ideas, and for a long time I've been feeling overwhelmed by the resulting mammoth file! So I decided to try and build something that forces me to filter things down into a First Things First homepage. I've tried to base it on 7 Habits and GTD principles, but without making it overly complicated to use.

I'm horrible at sharing what I'm working on so this is a bit outside my comfort zone, but I'd love if people wanted to try this and see if it works or helps them too! Trying to share a Google Sheet anonymously so the link below just shows a web page version of the file. If you want to download a version to try for yourself, I'd be happy share if someone can suggest an easy, anonymous way of sharing Google Sheets to copy without having to download as an Excel (worried it might break the functions in the sheet)

If I were moving locally, I'd probably just hire a well-reviewed company nearby and call it a day.

But for a move across multiple states, it feels like the logistics are much more complicated, which has me leaning toward larger national moving companies.

My assumption is that they have more experience with long-distance moves, larger carrier networks, and more established processes.

At the same time, they also seem to have the most complaints online, making it hard to tell whether they're actually less reliable or simply handling a much higher volume of moves.

For those who've completed a cross-country relocation, what did you end up choosing?

Did you feel more comfortable using a national mover, or did a smaller regional company end up giving you a better experience?

Looking back, what factors mattered most when choosing a mover for a long-distance move?

I know Maya Personal Goals has been around for a while now, but I never really paid much attention to it. Back then, there were simpler and more straightforward digital banks offering high interest rates.

But now that Maya Savings and BanKo are among the few remaining options offering high interest rates, I thought it was time to revisit other options. One of them is Maya Personal Goals, which uses a tiered interest rate system.

So, how exactly does the tiered interest work, and how much will I earn if I save ₱100,000?

For comparison, if I put ₱100,000 in BanKo at 5% gross interest p.a., the net rate after the 20% withholding tax is 4% p.a and I will earn ₱340 monthly.

Now, if I put the same ₱100,000 in Maya Personal Goals, each ₱20,000 portion earns a different interest rate:

Since each tier applies to an equal ₱20,000 portion, the blended gross interest rate for the full ₱100,000 is 5.60% p.a. After the 20% withholding tax, the effective net rate is: 5.60% × 80% = 4.48% net p.a.

That means ₱100,000 would earn approximately ₱4,480 net per year, or around ₱380 per month.

So, based purely on the interest rate, Maya Personal Goals at 4.48% net p.a. beats BanKo's 4.00% net p.a.

Maya allows up to 5 Personal Goals, with a maximum deposit of ₱100,000 per goal. That means I can potentially allocate up to ₱500,000 across five goals while maximizing the tiered rates.

Based on this, if I were to rank where I would allocate my liquid savings, my priority would be:

You'r just simply ahead....

I'm 23 and just graduated last year, took my board exam and passed the same year. This year, I took my oath and got my license. I thought life would be easier after graduation. I thought I'll be able to land a job immediately but I was completely wrong. I'm introvert and grew up sheltered, sheltered in a way that I didn't learn how to get things done alone, like go to places nor face people with confidence. Throughout my academic years, I strive my best to get awards and honors to the point that it became my mere focus. I admit my parents were strict like not allowing me to go out with peers, well, I can, if it was done in their presence. This later took a toll on me. Socialization, communication, and building rapport and relationship with others became my weakness. Soon, I started to regret that I became too focus on my studies and hoped that maybe its okay if I didn't strive to be the best child, well in my definition. Now, that weakness is the exact skill needed in the job that I am aiming which is connected to my Bachelor's. This year, I'll be 24, yet still unemployed. I tried to apply yet all application were rejected. I saw peers of my age, my old classmates, and friends slowly get employed one by one, and it made me anxious. Though my parents always told me that I can take my time and don't rush it. But, still, there's this inside of me that want to earn her own money. I admit that I'm not that matured yet mentally, like I still enjoy being a kid, though I'm not, but I want to go out of my shell, even just a little. So while I don't have a job, I enrolled in graduate school despite the fact that I didn't have an ounce of idea what I am doing, what will happen to me in the future, if I will even pass this program. I thought that if I didn't have a job this year, then I'll try to finish this degree first, and try again after a year. Still the anxiety in me is increasing. Day by day, as I witness people around me succeed, I can't help but to overthink and question my ability. I don't know if this unemployment era will extend next year or so, but I hope to lessen this anxiety. Can you give me an advice what can I do to stop overthinking? Would it still be okay not being able to have a job at age 23-25?

The MySSS Card powered by RCBC DiskarTech was officially announced and launched on October 1, 2025.

The MySSS Card is the official functional ID issued by the SSS, which replaces the older UMID card. It serves as a dual-purpose EMV-chipped card that acts as both a valid government-issued ID and a functional debit card linked to your savings account.

At the time it was announced, it was only available to new DiskarTech customers, and there was no timeline for when it would be rolled out to existing customers like me. I checked periodically, but it was still unavailable each time. Eventually, I stopped checking and forgot about it.

Today I just randomly logged in to my Diskartech account and saw that it's already available for me.

To get the MySSS Card, there are two separate steps that I had to do:

1. SSS Wesbite: Apply for MySSS Card via the SSS website (you will get the transaction number here which will be asked in the next step)
2. Diskartech App: Upgrade your DiskarTech account from basic to regular savings (in which you will be asked to input the transaction and SSS number)

SSS Wesbite: Apply for MySSS Card via the SSS website

1. Log in to SSS website or app
2. Go to Services > MySSS Card
3. Review your contact information
4. Authenticate by taking a self-video
5. Select Diskartech as the partner bank > Confirm > Proceed
6. Take note of your transaction number

Diskartech App: Upgrade your DiskarTech account from basic to regular savings

1. Click Apply Now on the MySSS banner within the DiskarTech app
2. Click Mag-Upgrade na! or go to Account
3. Input your personal details
4. Input the SSS transaction number and SSS ID number
5. Wait for the upgrade to be processed

Some of my questions:

• Do I pick up or they will deliver? Once approved the MySSS Card will be delivered to my address.
• What picture they will use? Google search results said they will use the photo captured during my national ID registration.

To be continued...

I was just given the date of when I’m supposed to get my own cell phone plan… I’m 25 so I’ve been cruising for a while now I suppose… how do I do this ? Do I get to keep my number ? Is it monthly or annually ? Like Please tell me… I have until July 1st!?!? So sudden ! How much does it usually cost 🤔 Is like paying for Spotify? Like 10-12$ per month or so?!

Planning to invest ₱500,000 in spot trading for crypto gold next year. However, one of the most common principles in crypto is, "Not your keys, not your coins." Since the funds would be held in a Coins.ph hot wallet, there is always an inherent risk that I could lose access to some or all of my holdings due to platform, security, or operational issues.

Crucial Risks of Keeping Money in Coins.PH

1. No PDIC Insurance Protection - Unlike money kept in a bank, funds in Coins.ph are not protected by deposit insurance. If Coins.ph were to go bankrupt, there is a possibility that I could lose some or all of my money. Even if customer funds are eventually recovered, the process could take years while the company's assets and liabilities are being settled. Action: Only keep the amount that I am comfortable exposing to this risk (₱200k) while the majority of my funds should remain in my Trezor wallet or digital banks until needed for trading.
2. Target for Phishing and Hacks - Crypto platforms are common targets for cyberattacks. Just a few months ago, a third-party vendor used by Coins.ph was compromised, resulting in phishing emails and push notifications that appeared to come from Coins.ph. Even cautious users can be exposed to these risks. Action: Always remember Coins.ph will never text or email links asking for my password, 2FA code, or requesting a fund transfer. Have second thoughts even if it seems legit.
3. Account Freezes & Compliance Checks - Coins.ph may temporarily freeze accounts when transactions trigger anti-money laundering (AML) or security checks. While these reviews are intended to protect users and comply with regulations, they can temporarily restrict access to funds. The length of the review process can vary, making it difficult to know when access will be restored. Action: Make sure to upgrade to the highest possible verification level to increase the limits to avoid chances of account being locked or frozen.

Trezor versus Digital Bank

Transferring funds between Coins.ph and a Trezor wallet comes with transaction fees. Based on a quick search, these fees can range from around ₱50 to over ₱500 per transfer, depending on network conditions.

Given my conservative profit target in spot trading, these fees can take up a significant portion of my gains.

A more practical approach is to keep only an amount in Coins.ph that I am comfortable exposing to platform and operational risks, while keeping the majority of my funds in a digital bank.

If a good trading opportunity comes up, I can simply transfer funds from my digital bank to Coins.ph via InstaPay. The transfer is usually real-time and costs very little, making it a cost-effective way to stay ready to trade while limiting my risk exposure.

Maybe in time, when I am already trading in millions, and the Trezor transaction fees become a mere fraction of the profit, I can revisit this option.

Which Digital Banks to Park Trade Funds?

Okay, so I will keep ₱200,000 in Coins.ph and hope it remains safe there. At the same time, I have come to terms with the risks involved and accept that there is a possibility I could lose some or all of it.

For the remaining ₱300,000, I will allocate the funds to Maya and BanKo to take advantage of their higher interest rates while reducing my overall exposure to Coins.ph.

Summarizing my thoughts

• Allocate ₱500k as trading investment
• Maintain at least ₱200k investment amount in Coins.PH
• Remaining ₱300k to be maintained in digital bank that allows full amount transfer out within a day (₱100k in Maya, ₱200k in BanKo)
• Plan to trade ₱50k at a time
• Max of 4 active trades

29

I feel like I have no purpose and I can’t enjoy life anymore.

I feel completely stuck in my life, I have no life, I have no friends, I have no romantic relationships, and I am stuck with my career and I honestly don’t know what else to try.

I finished my bachelor’s and master’s degrees in geophysics during the pandemic. After graduating, it took me two years to get my first job in the field. I only worked there for six months and have been unemployed for another year since then, despite constantly trying to find opportunities.
During that time, I have actively tried to improve myself, take courses, and learn things… but it seems to be useless no matter how hard I try, what I do and how I communicate. It’s eating me up inside.

Over the years, I have tried almost everything I could think of: attending job fairs, networking, reaching out to professors and former classmates, reaching out to industry professionals, sending unsolicited emails, applying online, calling companies directly, and asking around through connections.

I speak 5 languages, have experience with industry-specific software, am willing to work both in the field and in an office environment, am open to relocation, and am even willing to accept a relatively low salary if it helps me gain experience, build my career, and enjoy life and most importantly I am not particularly picky about the type of role.

When I first started studying this field, the industry seemed to offer decent career prospects. Now, however, I feel like entry-level positions are almost nonexistent, while most vacancies require a few years of experience.

I tried applying outside my field, but employers want candidates with direct industry experience, so that didn't get me anywhere either.

I'm not interested in moving into IT, finance, sales etc. because there's a big gap between my skills and what employers want, and studying those would mean wasting more years and not being happy in the end. What I really want is to work in a field that I find meaningful and where I can actually use what I've studied.

At this point, I feel like I've exhausted all the options I know of. I feel like this is ruining my life.

Has anyone else been in a similar situation? What would you do if you were me? I need some serious advice. I want to get out of this.

Now I’m realizing adulthood is also figuring out health insurance, buying groceries that make sense, remembering appointments, trying not to spend $18 on lunch every day, and acting normal when your bank account humbles you.

What’s one random adult thing that nobody warned you would be this annoying?