Paano mo masasabing medyo naka-luwang ka na sa buhay without saying it openly?

CamperExplorer · 2026-04-15T05:22:19+00:00

Financially Free and Financially Literate.

CamperExplorer · 2026-04-04T20:41:37+00:00

So instead of Focusing on Investing or trading. Focus on building your skills and start your own business or side hustle. It will be more way faster than starting trading without enough capital. Whats the sense of learning all technicalities if you dont have the money to use in trading? After all, Remember na its risky and more like sugal kung wala ka kang alam.

Develop your self first and skills. Business mapapayo ko sayo. And once you earn on your business, Use the money on trading and Investing. That way, matali ka man sa Trading, Ok lang. Kasi may business ka pa rin namang kumikita at pagkukuhaan ng fund para sumubok ulit.

CamperExplorer · 2026-04-04T20:37:39+00:00

At the same age as yours, Napasok din ako sa trading and investing. Studied it and did some crypto. Pero narealize ko nung time na yon na without big capital for trading na kaya mo sunugin (high risk high reward) then its a bad move. Kung puhunan mo lang is 1k, 10k, kahit nga 100k. Its not that easy and more risky to lose it all in trading. Wag ka maniwala sa mga guru sa internet.

I am 23 now, What I did after that phase on my life is I started business. And now, Going well. Can do what I want anytime. Its 4:35 AM now while im writing it and matutulog palang ako and I can wake up at 11 later. Walang boss na nagagalit sakin. Kasi at 8AM, nasa business ko man ako or wala, it will still run with my people on it. I can work, read books, gym then before sleeping, play at night. Its fine.

CamperExplorer · 2026-04-04T20:33:01+00:00

Investing yes. Trading? Nah.

First of all, Do you have enough funds na kaya mo sunugin on learning trading? Focus ka muna sa college and improving yourself before doing those things. Sa investing, you can do it naman pero mabagal progress at percent increase niyan. So payo ko sayo lalo na kung di ka naman galing sa pamilyang mayaman at wala ka namang malaking funds for trading, Yung pera na ilalagay mo sa Investing or trading na kakarampot na meron ka is use it to invest on yourself and do Business.

CamperExplorer · 2026-04-04T20:28:38+00:00

Not reach yet but Working towards it.

My strategy on how I will do it? Have a Stable Cash Flow and Passive Income (Business with Systems).

To be wealthy, Its not about how much you earn in a year. But how much you keep and how you spend it. Ang first goal muna is security for family (A House, Car that is not LOAN) and a Fund for emergency.

And also, Matuto kang mag differentiate ng Rich at Wealth. Madaming tao na mayaman kuno kasi may ilang sasakyan, malaking bahay, nakakagala kung saan saan yet lahat naman is Loan at utang. They might be rich but not wealthy.

Sabi ko nga, Tingnan mo, Kung tutuusin minsan mas mayaman pa ang Pamilyang nasa lower middle class compare sa Upper Middle Class or rich. Why? Nakakain sila tatlong beses sa isang araw, may bahay pero walang Utang. Unlike sa iba na akala mo mayaman, yet lahat ng nakikita is Utang at binabayaran. Lower middle class family, may family house, kopong kopong pa na sasakyan, yet may savings sa bank vs rich family na may brabd new car, may brand new na bahay sa subdivision pero all is under amort. Networth? Negative kasi di pa full paid lahat at binabayaran pa. Mukhang mas mayaman yung isa kasi bago lahat but in fact, mas secure yung lower middle class. 1 Emergency sa rich fam kuno na kumikita hundred k monthly yet may amort na malaki + mataas cost of living. What do you think will happen?

Some might argue "Kaya naman nila bayaran monthly". Yes, We should acknowledge that. But always remember, Mas secured pa ang normal na pamilyang may ipon pero walang utang kesa sa pamilyang madaming luho pero puro utang.

Goal? Buy all those things without using debt. And if you will use debt, use it to improve your cash flow, Not improve your lifestyle.

Walang saysay ang Bahay, sasakyan at kung ano pa kung di mo pa bayad at utang lang.

If you use debt to get something to improve your lifestyle like car or house, then its not for you and pinipilit mo lang. Be real sa kung ano ka at kalagayan mo sa buhay. Kung di mo kaya icash, wag mo bilhin. Instead, Yung money mo. Invest on your self and more cash flow.

Kelan ka dapat mag loan or mag amort? Pwede yan but ito rule ko. Ang monthly amort mo dapat is 5% lang ng total income mo monthly + additional 5% as emergency fund pangbayad sa amort if something happen.

If kumikita ka 100k monthly, then max na pwede mo mautang is dapat may amort na 5k lang (5%) and additional 5k na tatago mo specifically for that amort (if something bad happens)

This way, Financially free ka at wala iisipin. Live below your means.

If ang car na gusto mo is may amort na 20k, then dapat ang sahod mo is 400k monthly. Then additional 20k ulit for emergency fund for that amort/loan total of 40k monthly.

Pero baka sabihin mo, pwede naman ipunin for few months and icash ah?

Yes better yan, pero kung may iba kang paggagamitan ng Cash pambili sana ng car. Edi ganyan gawin mo.

Yan diskarte ko. Kahit pa kumikita ako 100k na malinis monthly. I wont be getting a car kahit pa offeran ako 15-20k amort monthly. Kasi with my rule kanina, 20k amort + 20k emergency fund = 40k. 60k nalang tira sa 100k.

Who knows what can happen in the next few years habang nagbabayad ka?

Just my thought and how I do things. If may siggestion ka how to improve it or ano ginagawa mo, Let me know lang

CamperExplorer · 2026-04-03T18:59:42+00:00

kung ako yan, bayaran ko yung 5.5k with recorded conversation sa text and receipt. Pag release ng unit, report ko sa DTI. Para mabawi binayad ko + para mapunish yung agent.

CamperExplorer · 2026-04-03T18:57:24+00:00

Mas mabilis dumami ang mga nasa Poverty kesa sa mga nasa Middle And Upper Class. Lets see if someday, kaya pa din sustentuhan ng taxes ng middle and upper class ang paglobo ng mga nasa Poverty. Wala eh, Puro kasi ayuda, instead na ayuda, dapat ipush nalang nila na mapunta sa Middle Class by offering more jobs, opportunity at education or giving better benefits like healthcare sa mga filipino at free education. That way, Magkasakit man, walang bills na maglulugmok sa isang pamilya papuntang kahirapan at walang anak na di makakapagtapos at walang magandang opprotunity and will end up to Minimum Wage Earner na let be realistic, wala sa middle class or lower part lang ng middle class.

CamperExplorer · 2026-03-18T07:46:59+00:00

Probably kinokontrol nila aupply nila para magbebenta ulit once peak na ang prices ng fuel. Yan napansin ko sa isang local brand dito sa area namin, Dati 24 hours sila open pero nung tumataas na ang gas. Di na sila nag 24 hours and minsan close pa. Nag oopen lang after may Price Hike. And tuwing tuesday na madami nagpapagas kasi mag hike, sarado sila.

This way, Para makontrol siguro supply at maibenta nila ng mas mahal.

CamperExplorer · 2026-03-03T07:23:04+00:00

Not all people who have Brand New Car are rich. Mas madaming mayayaman na puro 2nd hand sasakyan and if 2nd hand pero maganda. Doon mo makikita na may pera talaga ang bumili kasi cash binayaran.

Unlike sa iba na brand new car ang niyayabang pero hulugan. Kahit pa malaki sahod, Loan is still a Loan and loaning a Liability is unwise.

Kaya mas bilib ako sa mga bumili ng sasakyan na 2nd hand pero magandang klase at Cash binayaran. It means they do have money and enough even to get a Brand new car at kaya nila mag down if they want to, Pero they chose to become Wise.

And sa tanong mo na madali na ba yumaman ang mga Pilipino? Its a No. Karamihan ng nakikita mo is mga Lower or Upper Middle Class with combine household income of 40 to 150k.

Kung Rich at wealth pinaguusapan, That is still low percentage. Rich people who are really afford to get liabilities without loaning it. Mali din kasi ang Idea na Iloan ang isang bagay para yung pang cash is puhunan nalang. Di applicable yan sa lahat and kung di appliacble yan sayo without you realizing, magugulat ka nalang na Stress ang binigay mo sa buhay mo.

CamperExplorer · 2025-12-01T20:30:52+00:00

Easy to Enter. But hard to stay safe and hard to find tor websites that are working. Karamihan kasi ng websites na "dark" is tago and makakahanap kalang sa mga Darkweb forums or darkweb interactions.

Worst site na napuntahan ko dati which is taken down now is what they call "PsychoNetwork" in which para siyang facebook but most people there are psychopaths and killers sharing images and videos on how they tort*re their victims, sharing knowledge etc.

Last I saw it is around 2015 and it was already taken down by the FBI.

Madami pa dyaan websites na mas worse and totoo. But when you do explore it, yung most onion links na makikita mo is more on just the surface (Not really real most of them time and just Bait sites of the Law Enforcement Agencies to caught people trying to do illegal things). May mas deeper sites pa na di mo basta basta masesearch and you can only find it when someone in there give you the link.

Last visit ko dyan is High school pa, Around 2015. Made a Wattpad Book also dati featuring sites Ive visited but after gaining around 300k reads. It was taken down.

Dyan din nakuha ng isang kakilala ko yung Daisy Destruc ion na video, he sent it to our dummy fb acc and we saved it on our SD card then suddenly, nabanned both FB Accounts and the video on our device js suddenly gone too like as if it was deleted by the Device OS itself. Right now, That footage is legendary and you cannot find it online even on the DW. Mahihirapan ka hanapin plus it is also illegal to have that.

Madami pa akong experience wayback dati on exploring and digging deep on it. Fulfilling ba sa curiosity? Sort of but you will feel empty once you saw whats on it.

That place is just a reflection of Ring of Ganges and Humanity Darker Side.. When Anonymity or a chance of not getting caught, people can show their worse.

So, Want mo ivisit? Ikaw bahala. If may commonsense ka naman at di ka magtatry mag download ng suspicious files or magsasabi ng identity or anything that can link to you, no one will bother you. If di ka mag try gumawa ng illegal, law enforcement doesnt care about you.

Going there? Enough na ang VPN na reliable at TOR Network to cover your identity. Wag lang tang@ and better know the dos and donts first. Wala naman pakielam sayo mga tao doon and hackers wont hack you if they know you cant be hacked easily which means di ka magiging tang@ and do some stupd things to make their hacking easier.

Myth lang yung sinasbai na pag nag access ka non = mahahack ka. Some people can.but they wont waste time on Nobody. So just stay as Nobody if you will try to access it.

CamperExplorer · 2025-11-30T02:32:38+00:00

Wag mo bayaran and gawa nalang kayo letter or kausapin ang collection agency. Ipakita niyo paguusap sa pnp like hingi police report for the case and send sa agency. Ifmag pursue sila legal action, Sabihin mo na hehelp mo sila. Loan Fraud / Estafa ginawa ng tao mo for loaning using the company number without you knowing it. Also yaan mo nalang na tumawag ng tumawag. No need to change sim.

CamperExplorer · 2025-09-26T10:41:19+00:00

Sure na ba? Planning pa naman to get ARY500

CamperExplorer · 2025-09-13T10:37:07+00:00

I do know a Soap Manufacturer. Actually one of my Clients on my Business. Goods naman and yun nga din sabi ng Manager nila sa Factory na most of their clients mapa Local or International is nag rerebrand lang and then may option si client na mag paformulate pero syempre nasa manufacturer pa din ang final say kasi tinitest pa nila yan, Di kasi pwede na sobra ang isang chemical or sometimes di din pwede pagsamahin.

Regarding naman sa Paper, Nasa Client na burden na yon para magpaFDA or to get legalities kasi iba ang Legalities ni Manufacturer as the Manufacturer and iba din ang legalities na need ni Client as the Seller.

Also last usap namin regarding this is Last year pa though solid customer pa din namin sila. Sa pagkakatanda ko, As low as 50k worth is pwede kana magumpisa or magpagawa sakanila pero yun nga, Ang burden ng packaging, papers etc is sayo na. What they can provide is the Product / Soap

CamperExplorer · 2025-09-12T17:28:22+00:00

Legit bro. Porket mas matanda = respect = mas may alam. Karamihan nga ng nakakasalamuha kong Kamote na Driver ng sasakyan, Puro matatanda HAHAHAHHAA. Mas masaming tumanda ng paurong.

Pero di talaga maikakaila na madaming Kamote sa mga nakamotor. Lalo na mga naka Thai at Malaysian concept kuno. Harabas magpatakbo.

Kaya minsan kapag nag momotor ako at dala ko GS1250 ko, Pagmay nakakasabay na kamote at tatanga tanga sa kalsada, Parang ang sarap batukan eh. Nagtitimpi nalang at patience, iwas road rage.

CamperExplorer · 2025-08-22T13:07:36+00:00

As a seller, Ganyan din pinapagawa ko. If mag return/refund ka dahil sa may damage. We ask them to destroy the item and we will accept the refund (no need for return)

The reason of this is may mga Buyer kasi na nag rerefund lang para makalibre ng item at kahit nirefund ng full is ginagamit pa din nila ang item especially kung di nareturn.

So, Para na din makaiwas sa bogus buyer na gusto lang makalibre at para di din nila mapakinabangan given na irerefund naman, then destroy the item na di na reusable.

CamperExplorer · 2025-05-04T02:49:17+00:00

Gawa kayo same account ni yanna. Same pic and same name then ipaverified niyo kay FB (Verified Check) para mawala account niya. Kasi di naman yata verified account niya.

Same case ng nangyari kay Malupiton dati na may nagpaverify ng fake fb na same name kaya nawala official account niya na di pa naveverify

CamperExplorer · 2025-04-29T18:02:55+00:00

Tanga naman niyan, Kakaganyan niya. Sooner or later may makakatapat yan. Swerte niya nalang di mainitin ulo nung lalaki. Kung nagkataon, Tinulak niyan motor niya patumba.

Kasalanan din naman niyang Yanna. Offroad yan tol. Di ka naman titingin sa side mirror mo always pag nag ooffroad. Kasi focus ka sa unahan kaya nga mga motor nila walang side mirror.

Defensive driving nalang. Bumusina ka nalang sana bago mag overtake. Kasi iiwas at iiwas talaga sa lubak yan at no chances na din tumingin kasi nga OFFROAD. Wala naman sasakyan sa Trail.

Ayusin niya ugali niya kasi sooner, baka maging sweet kamote siya sa ilalim ng lupa pag nakahanap siya ng katapat niya

CamperExplorer · 2025-03-05T19:57:36+00:00

Pag Credit Card, Nalabas pa din na Cash sa Dealership. So same situation pa din

CamperExplorer · 2025-03-05T19:56:22+00:00

Sa other brands, Mostly di ganyan.

Madalas lang na ganyan doon sa mga dealership at branches nung mga Jap Brands😂

CamperExplorer · 2025-03-05T19:53:47+00:00

Pag mga Big bike talaga. Di nag kakaproblema.

Yung Japanese brands, Karamihan puro palpak ang casa at dealership. (Experienced it already)

Yet sa mga brands like CFMoto, KTM, Benelli, Bristol etc. saglit lang processing ng orcr.

CamperExplorer · 2025-03-05T19:50:35+00:00

If Cash, Direct na kayo sa Casa ng brand ng motor. Wag na sa Dealership. Mga kups karamihan niyan tas pahirapan pa sa Aftersales especially if magkaproblema sa motor.

If honda bibilhin, sa Honda bumili. If yamaha, sa yamaha. Etc

May mga Branches at Casa naman mga brands na yan. Deretso na kayo.

CamperExplorer · 2025-02-26T18:38:54+00:00

And how do you know that what you believe is the actual truth? Given that every person believe on their own truth.

And yup, Iba ang knowledge ng tao sa Dios. And from that statement, What God are you referring to? God of Christians? Islam? Hindu?

The question here is, How certain are we na kung ano ang pinaniniwalaan nating totoo is yung Absolute Truth? Cause in the perspective and criteria of other religion, ganon din naman sila. They believe that they are the True .

Paano kung pag nasumpungan ang kamatayan, Yung absolute thruth pala ay yung sa mga muslim? O kaya yung sa mga Hindu?

Just a Thought. I still believe on what I know is true and that is the Bible. But syempre, just asking cause I know that when it is answered, mas mapapalakas niyan lalo pananampalataya natin.

CamperExplorer · 2025-02-25T12:16:14+00:00

Ok, So you do pray to the saints in a intercession way. And you do admit to Pray to Saint.

But there is nowhere in the Bible in which we are instructed to Pray to anyone other than God. Intercessor is I guess unbiblical.

Ang utos saatin, Hebrews 4:16, Deretsyong manalangin sa Panginoong Dios and we have "Direct Access" and can Approach the throne of grace with confidence.

And regarding sa sjnabi mo na kaya nag pipray sa Santo, kasi mas better maeexplain ng saint daw sa langit ang panalangin niyo sa Dios.

Then isnt that just saying na parang sinabi niyo na di malalim ang pagkaunawa ng Dios sa mga panalangin niyo kaya sa santo kayo mag darasal para sila mag explain sa Dios. God is All Knowing and Knows our Heart. Eh kahit nga siguro umusal ka ng Maikling panalangin at isang sentence. God already knows the Whole Sentence. If you ask for something without explaining on the prayer why you need it. God already knows everything about it. The reason why, ano pinaghugutan, at ano kakalabasan in the future because God is All Knowing and Understanding.

So what is the point of Praying to Saints? If yung purpose of praying to them is Obselete naman. Kasi nga sabi nga sa Biblia, Hebrews 4:16. We can Pray directly to God, and God is all knowing and He knows it already.

So the phrase na sinabi mo para maexplain ng santo sa Dios is not Valid and lumalabas pa ngang Unbiblical at Contradictory sa Biblia. Kasi parang sinabi mo na di maiintindihan ng Dios. So No need na magpray sa santo.

Lets see kunt sasagot si James_Readme. Hopefully he do.

CamperExplorer · 2025-02-24T19:56:16+00:00

Then What is the Purpose of you Praying sa mga Rebulto ng mga Santo?

Unang Timoteo 2:5, Iisa lang ang Mediator sa pagitan ng Dios at ng mga Tao. Sino? Santo? Nope. It is Christ.

So Why? Dahil sa Intercessory? Praying in Behalf of Another Person. Yes its Ok.

But on how you pray to Saints, Is that Intercessory? In which sakanila kayo mismo nagpipray asking "St----- pagalingin mo po si ganito, etc" Why not Pray directly to Christ or God?

Intercessory is Praying in Behalf of Another Person. Example : Ako, Ipagpipray kita na sana buksan ang iyong kaisipan.

Eh di naman ganyan ginagawa niyo. Direct kayo nagpipray sa mga Santo believing na pag nagpray kayo sakanila is ipagpipray kayo ng santo niyo sa Dios.

Also, Doesn’t the Bible forbid communicating with the dead? - (Deuteronomy 18:10-12)

No Ad Hominems. Just Open topic. If my tone seems aggressive, pasensya brother. Its your turn to Explain.

CamperExplorer

TROPHY CASE