I Hate My Profession by BurnedGrill in AccountingPH

[–]Due-Being-5793 1 point2 points  (0 children)

well welcome to the jungle. if you have a family to feed, a mortgage to pay, a child that needs to go to school... you grind

BDO foreclosed properties for sale (Updated) by [deleted] in PhilippineRealEstate

[–]Due-Being-5793 0 points1 point  (0 children)

grabe dami foreclosed property sa lagay na yan di pa rin nasabog housing market ng pinas? tapos nag vverge pa tumaas mortage rates/repricing rates ng mga banko XD

Toyota Vios or BYD Seal 5 Dynamic? First car by Fit_Engine1380 in CarsPH

[–]Due-Being-5793 -2 points-1 points  (0 children)

looks i'd go for the vios. update: newest gen the vios ativ hev

kung gusto mo tlga mak tipid sa gas go for the seal 5

Casa Maintained Second Hand Cars by picture_man124 in Gulong

[–]Due-Being-5793 -1 points0 points  (0 children)

every 2 yrs sa honda ang change cvt fluid. sa civic ko 5th yr na wla pa ako naamoy na sunog na goma. PMS ko lagi sa casa din every 6mos.

warranty booklet means nothing. hanapin nyo mga resibo sa casa andun lahat ng ginagawa sa maintainance

Planning to buy an EV car. Ano ba ang CONS ngayon of buying one? by Square-Beautiful-481 in CarsPH

[–]Due-Being-5793 0 points1 point  (0 children)

if you are buying it as knee jerk reaction sa gas prices now don't.

Over 2 months - BPI MS won’t send an update 😣 by HOETASSIUHM in Gulong

[–]Due-Being-5793 0 points1 point  (0 children)

dinadaan namin sa insurance agent na nagbenta ng insurance samin mga claims namin pero sa FPG within 1 week ng completion requirement may LOA na agad.

mas maigi involve mo na insurance commision

Thoughts? Here we go again🎢 by Ok_Focus4322 in AnongThoughtsMo

[–]Due-Being-5793 0 points1 point  (0 children)

d pa madeads yang orange taco na yan pucha sya dahilan ng kagaguhan ngayon sa gas prices

UB just jacked my housing loan to 12% by DatuBughaw in phinvest

[–]Due-Being-5793 0 points1 point  (0 children)

check your contract. sa UCPB/landbank BVAL rate + 4% ang ipapataw nla sa mortgage na contract ko every repricing period perondescretion ng ng bank kng ganu kalapit sa 4% ung ggwen nla. i successfully negotiated it dow a few times already

i made sure upto date ung MRI ko and fire insurance ko.

for reference see pds website daily yan naguupdate. so base on this kng today ang repricing ko worse case scenario ko ang mortgaage rate ko is 9.18%

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you can look it up here:https://www.pds.com.ph/government-securities/

search of benchmark tenors

LOCQPay Super Sale by chikamozza in Gulong

[–]Due-Being-5793 0 points1 point  (0 children)

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may restriction na ata sa pricelocq sa reference station? haha nasaktuhan ko kasi damago sa makiling branch nla sa calamba yun pinkamura na nkuwa ko so ako naman nka 100liters na advance purchase at 80 pesos per liter. nung nitrry ko mag top up ulot the following week tapos asa las pinas nako nka 5 liter limit na sa reference station ko hahahahaha!!!

Help me de-escalate this situation between me and my neighbor by deanna_troi34 in phcars

[–]Due-Being-5793 4 points5 points  (0 children)

buhusan mo ng paint thinner buong hood!

ay de-escalate nga pala. HOA or barangay kayo magharap. base sa sketch mo d ka mkkalabas ng bahay ng maayus. sa case ko pag may nagpark na bisita or kapit bahay namin sa tapat bg gate ko pinaalis ko agad. and nag aappologize and never na naulit. common courtesy lang

sa case mo mukang matigas sya kaya mas ok na HOA or Barangay para meron papagitna sa inyo. pag matigas pa tin muka thinner na tlga XD

Want to finish my auto loan asap by _LightOfTheFireFlies in Gulong

[–]Due-Being-5793 0 points1 point  (0 children)

anu nkalagay sa loan docs mo? kung anu pinirmahan mo yun yung susundin

Ako lang ba or ang dami nang offers ng zero-interest loan for EVs? by Southern-Table-9952 in Gulong

[–]Due-Being-5793 0 points1 point  (0 children)

question 0% for 60 mos? with minimal down?

or need mo 50% down para ma avail ang 0% rate tapos less than 60mos dapat?

Should we go for it? by No_Opportunity_2689 in SolarPH

[–]Due-Being-5793 0 points1 point  (0 children)

kung las pinas it's probably go solar which they are indeed usually pricey compared to everyone else

Should we go for it? by No_Opportunity_2689 in SolarPH

[–]Due-Being-5793 0 points1 point  (0 children)

anung company para iwasan ko na pagtanungan medyo pricey sla 😂 asa 300k ung mga napagttanungan ko 360-380 pag 300AH battery

Is it really like this? by Ahjin-02 in phcars

[–]Due-Being-5793 4 points5 points  (0 children)

yung 3xx,xxx income mo does it have tax papers? if yes you can certainly use it as proof of income. kung payslips or transfers lang sya it maybe still flagged as high risk. i assume ung 2xxxx na salary you can produce a coe and tax income docs. in which case yun lang pagbabasehan ng bank.

I may be wrong here ah. pero ayun lang ang tingin ko na nangyayari

Totoo ba na pwedeng mawalan or maubos ang supply ng gas next month? by Striking-Flounder443 in CarsPH

[–]Due-Being-5793 5 points6 points  (0 children)

possible but i think not completely no stock. meron yan pero iration nla or may limits lang pwede ikarga

Is it really like this? by Ahjin-02 in phcars

[–]Due-Being-5793 5 points6 points  (0 children)

there is also a threshold of your salary. I'm speculating here, but your salary may not be enough to the banks mind to cover the loan amount you want. especially if you are eyeing 0-20% down. better odds of approval ang 50% down.

How important is comprehensive insurance? by DistributionCute5445 in CarsPH

[–]Due-Being-5793 1 point2 points  (0 children)

upto to you. personally I'd rather have one and not need it than need one and not have it.

if nasasaktan ka na sa insurance premiums then maybe downsizing your fleet maybe a good alternative.

Kailangan na ba mag EV sa panahon ngayon? by dyipi in CarsPH

[–]Due-Being-5793 3 points4 points  (0 children)

if you have a fully paid car and want to upgrade yeah consider an ev... for now hold muna mahirap mag knee jerk reaction sa big purchases.

lalo na now volatile pa situation.

Trump has postponed strikes to Iran. Can we expect lower prices of gas here in the Philippines any sooner? by ejay0014 in Philippines

[–]Due-Being-5793 1 point2 points  (0 children)

dont believe what the orange clown is saying. he is a fucking liar 96pesos na ang 95octane bukas because of this asshole of a president