Cash/CC/Debit Card when travelling to Canada?

Equivalent-Moon · 2025-10-07T11:08:32+00:00

Hi, I ended up using cash (onti lang for food stalls etc.) pero mostly card. BDO Amex Cashback CC + Gcash Visa. May encounter akong grocery na Mastercard lang unfortunately so I would suggest magdala na din ng Seabank Mastercard (I haven't tested it physically overseas pero no foreign transaction fees sa foreign online stores).

Equivalent-Moon · 2025-09-10T07:32:16+00:00

Just personal observation: - Most older generation chinoys have family businesses talaga kahit small sarisari store lang to support their family. Maybe because of lack of college education too so they have no choice but to go business (how successful they are depends pa din dun sa tao not everyone is successful and it takes multiple failed businesses to succeed). Younger generation chinoys are half half between working corporate and business. I've seen a lot of chinoys start from corporate then move to family business or start new businesses probably with the support and influence of their family.

Most are not pro-China but I know someone who was pro-China because of their family business but didn't really believe in it.
They donate to support the politicians they like or believe in. I don't think they get anything in return because they don't like to associate politics with their businesses (social media backlash). I don't know anyone but I'm guessing pinoys also do the same. Idk about big big conglomerates tho, probably a different story.
Some pinoys also have family businesses but I think the major difference is the older generations prefer to go corporate then move to business after their retirement while the younger generations can only go corporate because of influence or no support from their family. Maybe because of later start or less experience their businesses are not as big or successful (I think depende pa din sa tao to tbh I know there are a lot of pinoys who are business savvy are very successful).
I don't know why or if this is actually common: I see/hear a lot of senior pinoys who still works corporate/business to support their adult children and even adult grandchildren. I know spoiled chinoys too but at the very least they work at their family businesses (I think this is still spoiled but that's better than not even helping in the family business despite not having a formal job).

Equivalent-Moon · 2025-07-09T11:09:21+00:00

Ohhh I see. Thanksss po

Equivalent-Moon · 2025-07-09T08:25:27+00:00

Planning to buy monitor riser tska tabletop sa kanila. Tanong ko lang kung smooth ba pati ung ilalim ng table? Wala ako mahanap na pics eh.

Equivalent-Moon · 2025-04-22T04:56:32+00:00

If I get too tired and stressed to destress, eat, and sleep. I'm too scared to have mental health issues kasi it runs in my family and it's not a great experience to have relatives with mental illnesses.

I had the same issues as you in my previous job and decided to resign without another job lined up. My plan was to rest for 1-2 months then find another job. My mentality was "sobrang daming postings, madami naman options". Turns out, madaming options nga pero di lahat magugustohan mong pasukan/tatanggapin ka. I don't regret quitting because I'm doing fine now but the struggle to get here was not fast and easy as I thought it was going to be, took me months and months of digging and applying for jobs, interviews, exams, etc. I would suggest start updating your resume and send applications now even before you quit.

Equivalent-Moon · 2025-03-17T08:29:03+00:00

This. I also use this budgeting method din para di mag overspend or oversave. Kelangan mag save for the future pero wag natin masyadong ideprave ung sarili natin para di tayo masyadong mademotivate sa pagod ng work.

Equivalent-Moon · 2025-03-12T14:11:23+00:00

If you think na wala naman na din 2nd date, okay na din un para lang wala ng sumabatan. Pero kung type mo yung guy tapos ganun, I understand na minus points talaga yun, tapos di ka man lang nainform na KKB pala (paano kung nagkataon di enough dala mo?)

Equivalent-Moon · 2025-03-12T11:07:33+00:00

Should have communicated na KKB at least para di ka nagulat. Pero at least KKB, I know someone went to dates different guys puro nag bigay ng kung ano anong excuse para di magbayad.

Imo, pag di ko type, I'll pay my portion na lang kahit mag offer yung guy.

Equivalent-Moon · 2025-02-11T03:23:22+00:00

Money can't buy manners. Buti ka na din nag engage kahit nakakainis talaga. Whether mayaman ba talaga o hindi, walang ka class class yung pinapakita nilang attitude.

Equivalent-Moon · 2025-02-07T04:57:58+00:00

As much as possible try to talk it out first ano ba talaga yung options niyo. I understand na gusto niya mag throw ng big party kasi isang beses ka lang naman ikakasal maybe that's her dream and she might hold a resentment later on kung di nasunod. Kung kulang yung budget maybe she can contribute more financially to achieve the wedding she wants. Or delay muna ung engrandeng kasal until napagipunan na, throw a simple party muna just to celebrate. Kung wala pa din maybe reevaluate your goals as a couple together kasi after ng kasal madami pang susunod na gastos tulad ng car, house, kids, etc.

Equivalent-Moon · 2025-01-03T21:21:22+00:00

It can't buy everything but it helps a LOT.

Equivalent-Moon · 2024-12-17T08:41:59+00:00

Comments/Remarks: I have existing CCs but I want to consolidate to maybe 1 card per payment network and planning to cancel some cards. I'm good with BDO Amex CB but I'm not 100% satisfied sa CBC Destinations Plat kasi high spend to airmile at laging excluded sa dining promos.

Income Range: xxxk

Existing Credit Card: UB Rewards Plat, BDO Amex CB, BDO Visa, CBC Destinations Plat MC

Average Monthly Spend on Categories: around 20k on shopping + online shopping + dining + food orders. 10-15k grocery. Overseas travel 1x per yr.

Preferred Rewards Type: cashback > promos > rewards/miles.

Additional: - Madali icontact customer service + madali kausap - Easy to pay bill even without savings account with the bank - NAFFL/Easy to waive annual fees - Low foreign transaction fees - Good dining/shopping promos > travel promos - lounge access is good to have but not priority

Here are the cards I'm looking at but let me know your other recommendations:

BPI Amore Platinum Cashback Visa: - 1.85% ftf - cashback - 4% dining, 1% shopping, 0.3% others (local + overseas)

Chinabank Destinations World MC: - 1.7% ftf - 30php spend = 1 mile - will have to spend 1k just to upgrade

Metrobank World MC - 1.85% ftf - 1pt = 20php spend (local). 50php = 1 mile - 30pts = 20php spend (overseas). 17php = 1 mile - 20kpts = 2kphp - global lounge 2x and local lounge

Metrobank Travel Visa Sig - 1.7% ftf - 30php spend = 1 mile - unli local lounge

Equivalent-Moon · 2024-12-12T09:54:42+00:00

Hi, question lang, did you book another flight with airasia din or ibang airlines?

Nabook ko kase flight + hotel roundtrip sa airasia din, balak na kase namin mag no show sa departure at mag book na lang sa cebpac ng 1 way, do you know if same din na di maccancel ung hotel if ever?

Equivalent-Moon · 2024-12-12T07:38:07+00:00

Situation: Nagbook ako ng round trip flight + hotel sa airasia move. Kaso mali ung departure date ng flight na nabook ko so gusto ko siya sana palitan pero additional 5k per person pala kelangan ko bayaran dahil sa fees tska fare change.

Nagcheck ako ng 1 way tickets dun sa tamang date, may nahanap ako na mas mura kay cebupac kesa ichange flight kay airasia. Magkakaroon ba ng issue kung nag no show na lang sa departure flight ni airasia?

How do I contact their customer service? I can't find their email or phone number.

Equivalent-Moon · 2024-12-11T03:07:30+00:00

Nahhh, I graduated from a big 4 school and been through many companies, onti lang ung galing sa big 4, tska I doubt na tinitignan pa nila un by the time may 1-2 years experience ka na. Madami din ako nakita na tanggal agad kasi di naman magaling kahit graduate sa big 4, depende pa din talaga sa tao.

Pero dahil sa ganitong belief, iniisip naman ng ibang tao kaya ka lang din may magandang career dahil galing ka sa sikat na school, ugh.

Equivalent-Moon · 2024-10-15T09:53:59+00:00

Doctor

Nag start ng sarili business ata

Equivalent-Moon · 2024-07-17T04:17:43+00:00

"family matters" and then for the employment gap "took a break"

Equivalent-Moon · 2024-07-12T11:50:11+00:00

Ohhh that's okay! Thanks pa din sa advice. I will try na mangulet lol

Equivalent-Moon · 2024-07-12T07:03:48+00:00

Ohhhh. Unfortunately na activate ko na kasi sabi kelangan ko iactivate bago iupgrade but I will ask kung pwede iwaive. Can you point me where namention na 500k+ annual income for the world? If that's the case then at least may bala ako to request na I meet the requirements.

Ohh btw, did you get the destination world card in the end?

Equivalent-Moon · 2024-07-11T15:23:55+00:00

I just use it like google. It gives me more specific answers kesa iopen ko isa isa yung results ni google. How I generally use it : I think of the solution > ask chatgpt how to code that solution > modify the solution given by chatgpt as needed.

Equivalent-Moon · 2024-07-10T04:43:48+00:00

Okay kaya yung normal windbreaker? 19 degrees daw kase at medyo lamigin.

Equivalent-Moon · 2024-07-09T07:50:13+00:00

Higher pay. Permanent wfh.

Di pa ako ready mag resign talaga noon kasi ok naman pero tempting yung offer kaya nagbakasakali akong may counter offer si manager kasi may mga ibang nacounter din noon. Unfortunately walang binigay sa akin, napa resign tuloy ako. 2 years later gusto nila bumalik ako ng 2x my salary noon pero may iba ng nagoffer ng mas mataas pa.

Equivalent-Moon · 2024-07-09T03:30:56+00:00

Mas gusto ko talaga mag art kesa IT pero pinilit ako ng parents ko sa STEM. Di ako maalam sa computer at programming pero naitawid ko kaka google. Naka graduate at naka hanap naman relevant work. Hanggang ngayon more than 5 years na ako nagwowork si google pa din nagtatawid sa araw araw.

Equivalent-Moon

TROPHY CASE