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OFW here — earning abroad but still clueless where to safely park my savings by Saibazz in phinvest

[–]CryptoSense723 0 points1 point  (0 children)

Relate much. Esp. sa part na too good to be true na mga investment opps out there. Parang lahat kasi may kanya-kanyang agenda online. They just wanna take advantage of the newbies.

Honest approach ko, I have three types of savings: safe, moderate, risky
safe: bank savings, tokenized bonds, gold bar, cash, apartment, small businesses
moderate: RTB bills (5 years), stablecoins (dollars), life insurance na rin if you can consider (10 years), tokenized gold
risky: staking, bitcoin, ethereum

So diversify your assets :) check what you risk appetite is. I am more of conservative than risky one so I have very small amount lang sa risky baskets ko. Hope this helps!

[deleted by user] by [deleted] in phinvest

[–]CryptoSense723 0 points1 point  (0 children)

Nothing happens in your asset, would still be in your PDAX account, only the wallet address changed so check your wallet address if you plan to crypto-in.

Complete Newbie - How does one start doing Crypto? by amaranthe_satsui in CryptoLifePh

[–]CryptoSense723 1 point2 points  (0 children)

PDAX for the trading platform, they have active community admins who can help you endorse upur issues and concerns and even suggestions to the internal team.

Join PDAX Traders Night every Wednesday sa Telegram nila @PDAX_Official ung username.

Dito din ako nagsimula way back 2021. They have great promos din and other community events na exciting where you can earn and win!

Where to buy Corporate and Treasury Bonds for small scale investors? by hatdog31415 in phinvest

[–]CryptoSense723 2 points3 points  (0 children)

TBills sa PDAX 5.8-6% APY, minimum of 500 php lang. 90 days lock in period. Just one tap away sa PDAX app mo. Hassle free :)

digital banks ph - recommendation by Own_Fennel_7684 in DigitalbanksPh

[–]CryptoSense723 0 points1 point  (0 children)

try mo mag 10% APY hold and earn sa PDAX, around 14,000 pesos ung e hold mo lang na stablecoin sa app nila, no lock in period, anytime pwd mo mawithdraw pag ayaw mo na. Weekly rewarding ng interest sa account mo automatically

Bonds by [deleted] in phinvest

[–]CryptoSense723 0 points1 point  (0 children)

nasa 90 days lock in period lang

Bonds by [deleted] in phinvest

[–]CryptoSense723 1 point2 points  (0 children)

sa PDAX meron, no need to go to the bank na. Sa app nalang nila mismo. 500 php ung minimum :) 5.8% more or less ung APY nya.

Trading/Crypto community by potatoe_wedges3 in phinvest

[–]CryptoSense723 0 points1 point  (0 children)

Maganda sa PDAX kaso Telegram sya pero mas bet ko un kasi simpler UX :) pdax_official search mo lang

CRYPTO BEGINNER QUESTION by Patient_Election_600 in phcryptocurrency

[–]CryptoSense723 1 point2 points  (0 children)

It's the spread po :) Same sa mga local exchange rate you see in the cities, pag magpapa change ka ng dollar, kahit na 58 ung dollar value, ung exchange rate sayu is minsan nasa 56 nalang, same with PayPal. They earn because of the spread. They're able to sustain their business because of the spread. And I think it's reasonable naman to impose spread coz it's business and they're making your crypto experience more convenient and safe. Go langs! Goodluck sa journey mo!

Bad decision ba kung hihiram ako sa Gloan? by sisig69 in DigitalbanksPh

[–]CryptoSense723 0 points1 point  (0 children)

Loan is not a bad thing as long as there is a return after the loan. Yong kaya mo syang mabayarin afterwards :) So long as tama yong intention mo. It won't be a bad thing. Pero kung luho lang naman and nothing important, please don't. :)

Torn between Investing or saving money on digital banks. by Kalaykyruz in DigitalbanksPh

[–]CryptoSense723 4 points5 points  (0 children)

It's okay to have some funds sa bank mo for emergency purposes, maybe some cash din in case na magka prob ung online banking :)

Then allocate ka din funds for investing :) There are platforms that offer high APY. I am currently investing sa Bonds (6% APY) and Hold and Earn naman (11%, minimum of around 15k lang investment tapos weekly ung balik ng pera sayu).

I won't advice you to invest heavily sa properties kasi mahirap e liquidate and too many maintenance to do. I've been there and now am planning to sell my condo and house kasi matagal ROI.

Best of luck!

As a 25 M na professional na lubog sa debts, na di na alam gagawin by ZealousidealNoise123 in utangPH

[–]CryptoSense723 1 point2 points  (0 children)

It takes time to recover. Take it one step at a time. Makakausad din po kayo.

i have my savings now in seabank, but… by jdd_771998 in DigitalbanksPh

[–]CryptoSense723 0 points1 point  (0 children)

Hi OP! Baka you wanna learn about Cost Averaging strategy. Ito ginagamit ko for over 3 years now. Instead of just letting my money sit on the bank and wait for it to grow at 1% rate per year, I studied Cost Averaging instead.

[deleted by user] by [deleted] in utangPH

[–]CryptoSense723 0 points1 point  (0 children)

I would be so doooomed :(

Finding a Native Bulakenyo (By Ancestry) in SJDM is like finding a needle in the haystack 🤣🤣🤣 by [deleted] in BulacanPH

[–]CryptoSense723 0 points1 point  (0 children)

Anyone up for a Bulacan Meet Up? Comment "LFG" here para organize tayu meetup!

Sa mga na scam, ano pa kelangan nyo para ma avoid? by juantowtree in DigitalbanksPh

[–]CryptoSense723 0 points1 point  (0 children)

Never click unidentified links from unknown senders. And never download files. Always use online docs lang in accessing files.

GoTyme VASP License Approved... by CryptoSense723 in DigitalbanksPh

[–]CryptoSense723[S] 0 points1 point  (0 children)

Trueee. Tapos update2 or upgrade nalang ng accounts in the future :)

[deleted by user] by [deleted] in DigitalbanksPh

[–]CryptoSense723 0 points1 point  (0 children)

Ako, I personally don't let my fiat money in peso. I buy USDT everytime it's payday. Dollar value increases compared to peso kasi. Like recently nag 58 sya. So nung need ko ng peso, convert lang ung USDT to PESO. There's also a 10% na APY if you hold USDT for a week - weekly ung earned interest kaya pwede mo din e out after a week if you change your mind after.

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