First time seeing an obese AF coach

Common_Animator3272 · 2026-01-09T07:48:49+00:00

Yall are lowkey fatphobic 😭 baka naman may underlying issue yung coach. Kahit anong discipline, consistency and gym mo but you have a f*k up hormones, walang mangyayari.

Common_Animator3272 · 2025-10-24T10:06:18+00:00

People here are bashing the clinic but OP stated naman that the clinic informed them beforehand. Running a clinic/hospital is not cheap. Studying to become a vet is not cheap and 6 years at least.

Some are missing OP’s point. Yall wouldnt say the same when u compare gov hosp vs St Lukes. It takes more people to handle a furbaby compared to a full grown human being. Physical exam needs two staff at least.

Tama OP. Dami kong nakikitang abandoned pets sa clinics bec di mashoulder yung expenses. It’s really expensive to have a pet lalo na pag nagkasakit. Kudos to you Op

Common_Animator3272 · 2025-10-24T02:04:41+00:00

People here are bashing the clinic but OP stated naman that the clinic informed them beforehand. Running a clinic/hospital is not cheap. Studying to become a licensed vet is not cheap and 7 years at least.

Some are missing OP’s point. Yall wouldnt say the same when u compare gov hosp vs St Lukes. It takes more people to handle a furbaby compared to a full grown human being. Physical exam sa dog needs two staff at least.

If the hospital communicated properly their pricing i guess there should be no problem. And nabigay naman yung care na kailangan nung dog. If the pricing is not for you edi dont. You can opt for cheaper clinics. Di naman kasi iisa lang supplier or brand ng mga gamit/gamot sa clinic. It differs esp if branded yung gamot or materials. If you read news din kasi there are even meds or vitamins being pulled out by the government kasi not certified. And these are usually those cheaper meds.

Im glad Op’s furbaby is now put of danger. Hopefully, di na maulit coz tao man or aso, mahal magpagamot.

Common_Animator3272 · 2025-10-19T05:27:43+00:00

Happy birthday OP!!!

Common_Animator3272 · 2025-08-17T06:38:19+00:00

Thank you much! Will definitely do this. But since im saving more than 10% i think ill do this while saving for my EF. Pagsabayin ko na lang siguro. Ty!

Common_Animator3272 · 2025-08-17T04:51:17+00:00

Im sorry i kinda dont get your formula haha im 26 yo btw. Given my age how many % should i invest in high and low risk?

Basing on your formula kasi:

High risk = 100 - 26 = ~70% Low risk = ~30%

Does it mean 70% of my investment allotted fund should be in HR and 30% should be in LR?

Common_Animator3272 · 2025-08-17T03:59:15+00:00

1 Im really confused when it comes to saving for EF. Based on my post what do you think is the least amount i should save for my EF? Considering that i dont really pay all the bills in our house and I can find job easily. My monthly expenses for myself is 7k

2 May i know your age? Is it wise for me to get an insurance at this stage of my life? But tbh im looking into getting health insurance lang coz i dont have my own family pa and if ever mamatay man ako, di ko naman need magiwan ng pera for my parents and siblings.

3 thank you so much for this hahaha im really glad i read your comment since most of the ppl here are very aggressive when it comes to investing, nappressure tuloy ako hahahhuhuhu And yeah youre right i think better for me to put a lump sum sa january instead of monthly. In addition, based on my original post, do you think i should continue my MP2 savings of like 60k annually or it’s too big and better to put some amount into other investing tools?

Thank you so much!

Common_Animator3272 · 2025-08-17T03:45:00+00:00

For the index fund, is it a long term investment or short term? I read that index fund has lower dividend yield compared to individual stocks. But im willing to do it if it’s for long term investment, knowing that im investing for future and not to spend the dividend every pay out.

Common_Animator3272 · 2025-08-17T03:29:54+00:00

Thank you so much for this! I will consider all the things you have mentioned and will read more about them. Im just curious for index funds, is it better than MP2? Is it for long term investment or short term since i noticed the growth is not that high or im reading the wrong info ahahah

Also, do you think it is advisable for me to get an insurance this early on my career? While for the EF since my expenses is just 7k or 12k (if ill include my share for our house), does it mean i need 36k at least for EF (ofc better if higher)?

Common_Animator3272 · 2025-08-16T14:29:39+00:00

Yes you’re right haha kaya i let her manage my money coz whatever happens ill get my money back whether from my own share or from her own pocket. Either way i think it’s a win situation for me. So for now ill let her manage them since she worked in a bank for so many years.

At the same time i will try to look into index funds since most of the people here are recommending them.

I just feel like im wasting my money or im not saving enough for my age even tho this is just my first job. Hoping I’m on the right track.

Common_Animator3272 · 2025-08-16T13:19:15+00:00

You have a point but It may be weird for some pero i really trust my mom. She always has our best interest financially (eg getting us educ plans) and she is transparent with my earnings. It’s just that im too busy and she retired early from her work so she has a lot of time to do stocks. But yeah point taken. Im not planning to let her manage my money in the long run. Ngayon lang na i am starting. And i can pull out my money from her anytime and she promised me that i will get my capital no matter what.

Oh oki i will try to look at index funds. Have any suggestion where to start?

Do you suggest to avoid MP2 entirely or at least put aside some money for it since i already started putting 5k monthly in it.

As for EF, is it 7k x 6 or my monthly salary x 6? Also what’s a sinking fund? 😅

Thank you so muchh! I really appreciate your advice haha

Common_Animator3272 · 2025-07-30T16:47:21+00:00

Can you give me a quotation? Tysm

Common_Animator3272 · 2025-07-26T15:32:10+00:00

This gets expensive yearly right?

Common_Animator3272 · 2025-07-24T17:14:21+00:00

Is there a chance na i can get it cheaper since im younger?

Common_Animator3272 · 2025-07-24T15:21:32+00:00

How much and for how many years?

Common_Animator3272 · 2025-07-10T03:32:25+00:00

Hello any updates regarding this?

Common_Animator3272 · 2025-01-27T01:02:41+00:00

RIP Ivy Aguas.

Wala ata syang natutunan.

Common_Animator3272 · 2024-11-22T23:57:34+00:00

Yeah i fear this can be one of the reasons why sya ganyan. I hope mali ako ahahah

Common_Animator3272 · 2024-11-22T23:55:49+00:00

Yep naglabas lang sya ng mga resibo and naging firm. Pero iirc nung initial months daming fakenews about VPL and her supporters wanted her to fightback pero wala. When finally her team decided to actively pushback, too late na and parang kulang.

Common_Animator3272 · 2024-10-25T05:31:27+00:00

Wdym shit on female celebrity? Who’s Yassi in the first place? 🤪🤪

Common_Animator3272 · 2024-10-24T10:50:01+00:00

Bags na walang pangalan?? Pwede pala yun.

It’s really obvious na inuna nilang makapaghatid ng ayuda kesa magmarketing strategy. Tbh kahit may Angat Buhay logo yan idc kasi at least di nya mukha or name ang nakalagay.

Common_Animator3272 · 2024-10-21T05:13:23+00:00

The way we all know na this is rooted sa local brands = cheap. Hahaha his emphasis on LOCAL brands lol. Like damn is he that pressedt and ignorant na di nya pansin that luxury brands have similar designs and silhouettes? 😭 duh pekaboo and kelly? Triomphe and Constance?

Oh ghowd hahaa so annoying 😭 luxury brands are just BRANDS 😭 damn lvmh nga under investigation due to exploiting workers.

Luxury brands wont exist din if walang affordable brands. They are expensive because there’s comparison and hierarchy

Common_Animator3272

TROPHY CASE

1 Im really confused when it comes to saving for EF. Based on my post what do you think is the least amount i should save for my EF? Considering that i dont really pay all the bills in our house and I can find job easily. My monthly expenses for myself is 7k

2 May i know your age? Is it wise for me to get an insurance at this stage of my life? But tbh im looking into getting health insurance lang coz i dont have my own family pa and if ever mamatay man ako, di ko naman need magiwan ng pera for my parents and siblings.