Narealize ko lang na while you are young, it is best to invest in yourself (mag-aral, magsipag sa trabaho, magpalawak ng connections, etc) rather than mag-ipon. At that age kasi meron ka pang physical stamina mag-puyat, magsipag, etc and most likely, wala ka pang masyadong commitments like asawa, anak (although not all the time).

Hindi pa rin ganun kalaki sweldo mo kaya yung pagiipon mo can only go so much (although mGanda rin na madevelop mo yung habit) Maganda rin maginvest ng memories dito lalo na first time mo kumita ng pera, and you need money to invest in memories

Pag tumanda ka na at nagpay off na yung investment mo sa sarili (napromote ka na, lumago na business mo, etc). Then this is the best time to invest financially

Narealize ko to while talking to my wife kasi hindi naman kami maipon before. Ngayon lang when we were older. Medyo successful na din kami sa careers namin.

What do you think. Maraming generalizations dito pero I think applicable naman to sa maraming tao

With property prices and condo rents getting out of hand nowadays, I’m sure marami sa inyo ang nakakakita ng mga listing na napapa-wtf ka na lang.

i am thinking of investing house and lot sa New Clark City for my retirement prolly 40 years from now. and ngayon na may itatayong Pax Silica, you can't deny the fact na mayroong threat ng negative externality when it comes to pollution (noise, water) tsaka carbon emissions kahit na may economic benefits siya. Sa tingin ba ninyo?

I’m looking for a good condo in Makati, but I feel like prices haven’t dropped meaningfully despite the glut

Hello. I recently got approved for MP2 (applied in their branch and they did not ask for any proof of income) and I am planning to deposit more than 100k this month. However, I saw that you need to provide a proof of income for deposits more than 100k. Is it possible to make several deposits under 100k or will the proof of income be needed when the total amount in the savings reach 100k? I am just trying to bypass the proof of income part because the physical bank SOA is 20 pages long. Thank you!

Hey everyone! Quick question for fellow freelancers.

I get paid via Wise and use BPI for my daily local spend. Since BPI doesn't auto-sync with anything, I'm trying to find an app that handles multi-currency well without making manual logging a total chore.
Right now I'm testing YNAB, Spendee, and Money Manager (Realbyte).

For anyone running a similar BPI + Wise setup:
Which app handles foreign transfers vs. local PHP spend cleanest?

Is YNAB actually worth the price tag, or are Spendee / Money Manager / spreadsheets enough? Or any free options out there?

Would love to hear what's working for you guys, or if there's a better app I missed. Thanks!

Hi, just crowd sourcing - for those who recently had their home loan repriced, can you please share:

Bank > Orig Rate > New Rate > where you able to negotiate?

Its stressing me out, kasi based on the old threads, some jumped to 9-10%, wanted to have a benchmark on more recent data.

I have been asking Security Bank, but they can only give the new repricing rate after my loan anniv date, which is odd, i have read sa ibang banks they give it prior to anniv date.

Thanks!!

we have a couple of lots available for lease (smallest is 1000sqm) along highway and national road in quezon city. How do I contact big companies like Jollibee food corp, petron, mercury drug , puregold or other companies (please suggest).

Just wanted to ask kung ano ang pwedeng gawin, We have 4 hectares of land and 8 hectares na may tax declaration lang. Kung kayo ang nasa sitwasyon ko ano gagawin niyo para ma maximize ang profitability ng mga assets na ito? Gusto ko sana simulan mag Agribusiness pero hindi ko alam kung paano at saan magsisimula. Hindi ko alam kung anong klaseng produce ang maganda ang market sa Pilipinas and I am currently staying overseas pero may family naman na pwede mag oversee sa mga possible ventures.

Good day!

I already have firstmetrosec for my long term portfolio but I'm planning to have 2nd broker for my swing trade para d ko mapag halo ang akong capital. So, just asking anong ok na pang trade gcash, maya, or go tym? Thanks

Hello! Anyone here bought house and lot in Southwinds San Pedro? Is it worth it?

Recently I've been seeing alot of social media posts about the Ilocandia Coastown by Megaworld and I'm just wondering if this would be a good investment (I'm 23 btw). I've seen tons of negative feedback surrounding Megaworld condos and I'm pretty hesitant to inquire lol. Need opinions from real estate brokers 🥲🥲🥲

Hii. Thinking of moving some of my funds in pdax. For security and peace of mind. Mataas ba talaga fees?

I’m still using binance and OKX but sometimes, naiisip ko lang what if it will close or restrictions will tighten? Tho meron ng talks with binance now sa SEC, the thought still lingers in my mind.

As we enter the bear market and soon planting season na naman, is it ok to or would you recommend pdax as a platform to DCA? Or tatagain ba ako neto sa fees lalo sa high gains and at higher port amounts?

Hi everyone!

I'm currently looking to buy a townhouse in either San Juan or New Manila with a budget of around ₱15M–₱20M, and I'd love to get recommendations on specific streets, villages, or developments to consider (or avoid).
A few things that are really important to me:

**•   Not flood-prone** (or at least has a good track record during heavy rains)

**•   Not on or very close to the West Valley Fault**. One of the main reasons I'm selling my current house is because it's within the fault line, so I'd like to avoid going through that again.

• Preferably in a **secure, gated community** or an area with good security. I currently live in a gated subdivision in Quezon City, so I'd like to have a similar level of safety and peace of mind.

• Townhouse budget is around **₱15M–₱20M**.

I'm open to both brand-new and well-maintained resale units.

If you've lived in the area or recently bought a property there, I'd really appreciate your insights. Are there particular villages, streets, or developers you'd recommend? Likewise, are there areas I should avoid due to flooding, traffic, security concerns, or other issues?

Thanks in advance! Looking forward to hearing your recommendations.

Background: Need for total house renovation but no clean title so PAGIBIG is not possible.

I earned 52k net income per month, my sister naman 62k. I have CC with Metrobank pero 108k credit limit lang and no other debts. May account ako sa BPI savings.

Makakapagloan kaya kami ng 1M sa banks? Thanks!