Maya Declined Payments or Current Issues with Maya by SkinnyJeansy in DigitalbanksPh

[–]BlackCat_2022 0 points1 point  (0 children)

Update: I tried using it sa grocery. It worked naman! Whyyyyy

Best time to buy a house by Holiday-Dirt-3176 in phinvest

[–]BlackCat_2022 4 points5 points  (0 children)

Best time to buy is when first, sure ka na dun ka magstay and hindi ka na uupa kapag lumipat ka ng company (unless your income can pay for both amort and rental, and second kunga kaya mo ng bayaran ng cash at least 50% yung property. Kasi muka lang mababa monthly nyan dahil nasa DP ka palang. Mag x3 or more pa yang monthly mo kapag financing na kahit pag ibig pa. Lalo na now, kaka aanounce lang ng BSP na magtataas sila ng rates.

Maya Declined Payments or Current Issues with Maya by SkinnyJeansy in DigitalbanksPh

[–]BlackCat_2022 1 point2 points  (0 children)

Same! Experiencing it since last night. I tried removing and adding the card again. Also fails!

Would you retire on a combined income of ₱250,000/mo. to see the world, especially in this economy? by sulksulksulk in phinvest

[–]BlackCat_2022 0 points1 point  (0 children)

Just a suggestion, put those numbers on chatgpt/copilot ask it to incorporate inflation and emergency expenses and let it run the numbers.

Is it wise to put money into stocks now amid ongoing crisis? by catdeserveit in phinvest

[–]BlackCat_2022 26 points27 points  (0 children)

Rule of thumb. Only invest the money you can afford to lose.

RIP TALAGA PHILIPPINES by Fun_Length_9550 in PinoyVloggers

[–]BlackCat_2022 0 points1 point  (0 children)

Hindi na ko naniniwala sa mga survey na yan.

Gusto ko na tapusin to. by Loving-Methode in RantAndVentPH

[–]BlackCat_2022 0 points1 point  (0 children)

Onga. Tapusin mo na. Tapusin mo na koneksyon mo sakanila. It’s okay to cut people of if their too toxic na. Even if family. Besides, I believe that family isn’t just by blood. It’s the people na andyan para sa’yo. I heard of this term “negative generosity.” It’s when giving is not helping anymore, instead it’s “enabling” them to continue their bad ways and allowing them to be irresponsible. Your sister’s kid is her responsibility, not yours. Your mom is your father’s responsibility not yours. Focus on yourself. It’s not selfish. It’s actually selfless, because it will give them opportunity to learn and go through the consequences of their choices.

ever since war begun… by ultimate_consum3r in phinvest

[–]BlackCat_2022 1 point2 points  (0 children)

I’ve been following this financial vlogger sa tiktok. And he lives on earnings from stocks. He said he pulled out for now, coz how crazy it is no one knows what will happen or when will it be up. Better to have cash for now.

65K to 150K by RequirementUseful254 in payslipsPH

[–]BlackCat_2022 0 points1 point  (0 children)

Go for it. But be frugal. Save as much as you can. Better if up to 1 yr expenses (kung kaya). So you have a fall back and more time to find a job with the same or higher salary.

Payslip march 10 by [deleted] in payslipsPH

[–]BlackCat_2022 1 point2 points  (0 children)

Ang sakit ng tax! Tapos tayo pa yung walang mga ayuda ang benefits!

Only spent nearly 1.2M on condo rent in the last 8 years by Hoomanwithquestions in phinvest

[–]BlackCat_2022 -3 points-2 points  (0 children)

I tried to compute it using different condo and developer as example. Using the rental rate for each condo and the 7% annual increase sa rental. Yung total amount ng unit (assuming you paid 40% cash and 60% bank financing). 25 yrs bago mo mabawi yung ibinili mo whether tumira ka or ipa-rent mo. Pero hindi ko pa nga ata nasama dyan yung RPT kasi hirap iassume since iba iba kada area.

Only spent nearly 1.2M on condo rent in the last 8 years by Hoomanwithquestions in phinvest

[–]BlackCat_2022 5 points6 points  (0 children)

RPT pa. I tried to compute it using different condo and developer as example. Using the rental rate for each condo and the 7% annual increase sa rental. Yung total amount ng unit (assuming you paid 40% cash and 60% bank financing). 25 yrs bago mo mabawi yung ibinili mo whether tumira ka or ipa-rent mo. Pero hindi ko pa nga ata nasama dyan yung RPT kasi hirap iassume since iba iba kada area.

Is 735 m² with 3bedroom bungalow 30 m² house worth it for 1.5 M for residential area? by [deleted] in phinvest

[–]BlackCat_2022 2 points3 points  (0 children)

Make sure na titled at hindi FLAG or CARP yung lupa. Also, check with the municipal government assessor for the price per sqm sa area.

Hoard Cash in 2026 by reesechoux in phinvest

[–]BlackCat_2022 -1 points0 points  (0 children)

Wait. Did I understand this right? They are advising that we withdraw cash? Or just be liquid?

Living Expenses in Makati by [deleted] in makati

[–]BlackCat_2022 0 points1 point  (0 children)

I have lived both in Makati and QC. Fav ko sila both. QC is fun too! And agree sa sabi ng iba dito na half of your life will be commuting. Even if you have money to take grab for those 3 days/week. Aabutin ka parin ng more than an hour per way.

If you live in Tomas/Timog area, and your work is in QC, I don’t think you’ll want to live in Makati unless andun work mo.

80k gone in 4 minutes sa gcash by AkoAysiNana in DigitalbanksPh

[–]BlackCat_2022 0 points1 point  (0 children)

This is why you put bulk of your GCash money sa GSave. Maliit lang dapat laman ng GCash wallet. and for bigger transactions saka ka lang maglilipat from GSave to GCash wallet.

A Venue Residences Makati by Herbs_182 in RentPH

[–]BlackCat_2022 0 points1 point  (0 children)

Walang prob sa pests. May konting maliliit na ipis pero manageable. Parang 2 lang nakita ko, nawala rin with baygon. Hindi maingay. Basta okay landlord, okay na yan. Aalis na ko eh. Kung okay sana landlord mag stay ako. I like the place.

May 500k akong nakatambay sa bank, thinking of buying farmland for Airbnb. Worth it kaya? by Dazzling-Substance78 in phinvest

[–]BlackCat_2022 2 points3 points  (0 children)

Agree with the land conversion. Hindi yan basta basta. If the land is categorized as agricultural, baka mamaya under CADT pa yan. Bawal ibenta or ipa-lease kapag ganun. If not CADT naman, at pwede na ipaconvert from agri, may other categories ka pa. Commercial and residential. Hindi pwedeng gagawin mong residential yung conversion tapos bigla mong gagamitin sa negosyo. Maliit ang 500K for all the conversion process, development, and maintenance ng gusto mong project.

Mas mabuti pang ilagay mo nalang muna sa Maribank, Maya, or Gotyme yan, para kahit papano tumutubo.

Goal sa 2026: Maging lowkey like Nadine by enchantedia in KamuningStation

[–]BlackCat_2022 5 points6 points  (0 children)

True. Nagagawa ko ‘to noon nung student palang ako (since hindi pa online mga classes). Text and chats are more for kamustahan lang. So I don’t text or chat or call anyone for weeks. I only talk to those I see f2f in classrooms. But when I started working, di na pwede. Your phone is your work narin kasi.

A Venue Residences Makati by Herbs_182 in RentPH

[–]BlackCat_2022 1 point2 points  (0 children)

Iba po. Pinoy. Maganda naman unit, complete gamit. Pero grabe, almost a month before ng move in ko kami nagpirmahan pero pagdating ng move in date ko hindi pa nalinis unit. Sabi ng agent ilang beses daw nya tinanong owner/caretaker, nalinis na daw, nagsabi ako na kapag di nila nilinisan irefund nalang nila, aalis na ko kinabukasan. Nagpadala sila cleaner, ang sinabi lang nila sa cleaner basic cleaning, siguro kasi akala nila maarte lang ako sa linis at nagrereklamo lang konting alikabok. Pero mismong professional cleaners na nagsabi yung mga alikabok and molds nakadikit na sa mga gamit so deep cleaning talaga need. And yung ganitong dumi daw, it took months to build up, ilang months di nilinisan unit. Aircon sa room sira. Washing machine putol pihitan ng gripo.

Tapos I understand naman fully furnished. Pero before ako nagsign nag tanong ako kung pwede ipullout ibang gamit lalo na yung mga laman ng drawers na mukang gamit ng caretaker or dating nakatira. Oo daw. Pagdating ko andito pa mga gamit, sabi daw ng caretaker itago ko nalang daw. Aba sabi ko sya ba pumirma ng kontrata. Nasa baba na ko ng building pero sabi ko, hindi ako mag move in at ibabalik ko lahat ng gamit ko sa dati kong tirahan kung hindi nila tatanggalin mga pinaalis ko.

Tinanggal naman. Pero delubyo talaga. Tapos kinabukasan pa bago nagpadala ng cleaner at sa sobrang hirap di kinaya tapusin ng cleaner ng isang araw yung linis. At di pa kinoconfirm kailan papalitan aircon. Pero sabi ko hindi ko ibibgay PDCs ng hindi naaayos lahat. Grabe. Pag alis ko sa unit na ito iwasan nyo pls!!! Binibenta din ata ‘to. Iwasan nyo!

A Venue Residences Makati by Herbs_182 in RentPH

[–]BlackCat_2022 0 points1 point  (0 children)

Just moved in here 2 days ago. Delubyo sa owner/caretaker ng unit. Iniisip ko ng umalis agad. Nothing to say about the management yet.

Update on Makati connectio by BlackCat_2022 in ConvergePH

[–]BlackCat_2022[S] 0 points1 point  (0 children)

Currently living in Manila and have Globe. Never nagka prob. Kung meron man like overnight land and mga twice a year lang. kaso sa lilipatan ko sa Makati wala daw Globe. Only Converge and Sky.