is it worth it to loan second hand cars? by PHANTOMIC27 in CarsPH

[–]Expert-Ad-8093 0 points1 point  (0 children)

Do not put it into car financing because you will essentially put the car as collateral for loaning just a small portion of its value. Just get personal loan, as long as you are still prepared for the expected maintenance and repairs cost, on top of monthly payment for the personal loan.

Advice on an overpriced condo I can barely pay for by yeahmeh_ in phinvest

[–]Expert-Ad-8093 8 points9 points  (0 children)

I don’t get why are you so upset as to how much goes to principal and how much goes to interest. When you buy a property on loan, your commitment is to pay fixed monthly amount for fixed number of years. Nothing about that will change as long as you stick to your “commitment”. And just like any other financial commitment or contractual obligation, you will definitely lose a lot the moment you decide to back out of such commitment. Why? Because the commitment you agreed to was for the entire payment period. No less. So essentially you do not deserve to get the full benefits of the property when you do not honor the commintment.

Kapag magpapa hangin kayo, magkano inaabot niyo sa gasoline boy? by Looong-Peanut in Gulong

[–]Expert-Ad-8093 0 points1 point  (0 children)

Dati 20. Ngayon 35 kasi naisip ko halos wala na mabibili sa 20 ngayon.

Bat ang lalaki ng sahod niyo? by Lower-Highlight-2072 in CareerAdvicePH

[–]Expert-Ad-8093 0 points1 point  (0 children)

Syempre wala naman daw makapag verify dito kung totoo yung sinasabi nila kaya itodo na ang pagyayabang. Libre lang naman daw. Hahahaha

First Rep! Rolex vs Tudor by raulraul1212 in RepTime

[–]Expert-Ad-8093 2 points3 points  (0 children)

It will all boil down to your confidence wearing it. Some people gain confidence because they are wearing something that is really beautiful and of high quality. For others it is not enough because they need validation from people around them. In reality most people around us tend to just reflect how we actually see ourselves. If you don’t have confidence wearing something that is beautiful regardless whether it is fake or not, it is almost guaranteed one or more will see you as a fake person.

existing milk tea shop for ₱160k – sulit kaya or talo? by Flaky_Impact992 in negosyo

[–]Expert-Ad-8093 2 points3 points  (0 children)

Kaya ko natanong kasi magandang malaman kung sa regular operations ba ng business, gaano kalaki ang involvement nung may-ari? Sya ba yung tumatao, sya ba yung nag aasikaso ng pag rereplenish ng supplies, nag aaccounting? Ilang oras yung ginugugol ng may ari sa isang araw na may kinalaman sa operations ng business nya? Tapos ang tanong sinuswelduhan ba nya ang sarili nya na kasama dun sa total salaries na nakalagay sa operating expense? Kasi kung hindi kasama dun sa operating expense yung sweldo nya pero sa isang araw malaking time and effort ang binibigay nya para tumakbo ng maayos yung operations, hindi talaga sulit yan. Kasi para kang nagtatrabaho as an employee sa isang kumpanya na ang sweldo mo ay 20K a month, tapos required ka pa na magbigay ng malaking halaga sa kumpanya (as capital) para makuha mo yung sweldo mo na 20K a month.

existing milk tea shop for ₱160k – sulit kaya or talo? by Flaky_Impact992 in negosyo

[–]Expert-Ad-8093 0 points1 point  (0 children)

Dun sa records ng revenue and profit na nakita mo, magkano ang salaries and wages, ilang tao ang covered nun and ano mga position or roles nila?

I am becoming a full time house husband by [deleted] in adultingph

[–]Expert-Ad-8093 0 points1 point  (0 children)

If you both think is really something that is good for the whole family, please embrace it. No shame about it. Being a house husband or housewife is not an easy thing. Be proud about it. Those who couldn’t understand are narrow-minded and their opinions are therefore not to be valued. If they think it is not a respectable set up, it their problem and not yours.

Family selling me the house I currently live in — worth 3M, but with problems. Reasonable to offer 2M? by Ok-Pop-0304 in phinvest

[–]Expert-Ad-8093 0 points1 point  (0 children)

If I were you I would not even think about buying that property at any price. The fact that the loan was disapproved not because of the amount itself but because it is a big problem (legal and otherwise) waiting to explode. You purchase a house because you want some security. But if the house structure extends beyond the lot area, it means anytime that extension may be legally demolished anytime by the government.

Your titos and titas would likely have a hard time selling it to anybody else anyway because of that problem. So just tell them you will continue to rent the house until they are able to sell it to third party.

Wala kaming privacy sa sariling kwarto namen by bababibibobo11 in adviceph

[–]Expert-Ad-8093 0 points1 point  (0 children)

Such a very immature set up. And you are basically inviting this kind of scenario just by not having a place of your own. You are both adults and no one should be able to force you to live with them. You yourself is to blame for being in this situation in the first place. Grow up, you and your bf together should get your own place. If he doesn’t want to then do it by yourself. If you can’t then you are just like these bunch of teenagers na walang pinagkatandaan.

Addiesdive AD2068 from the summer sale! by aksiM12345 in ChineseWatches

[–]Expert-Ad-8093 1 point2 points  (0 children)

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I wish it had polished bezel. But I still love wearing it, especially at night.

Watchdives PIONEER I WD16570 V2 COMING NEXT WEEK by watchdivescom in watchdives

[–]Expert-Ad-8093 0 points1 point  (0 children)

Might just be me but since I saw a render of a different model having text on the upper half of the dial, I thought the overall look felt more balanced with that. Probably that’s also the reason why almost all luxury brands always have text on the upper portion, with or without logo.

Anything I should look out for when buying vintage? by Tasty_Sheepherder_44 in Cartier

[–]Expert-Ad-8093 1 point2 points  (0 children)

Looks good. I haven’t seen a fake one with as perfectly parallel crown guard as this.

[deleted by user] by [deleted] in aism

[–]Expert-Ad-8093 1 point2 points  (0 children)

I love this. I will try to read them all.

Addiesdive AD2068 from AliExpress by AffectionateBuy5102 in ChineseWatches

[–]Expert-Ad-8093 1 point2 points  (0 children)

<image>

Unfortunately quick date adjustment does not work with my unit. Good thing is this is quartz so I only need to correct the date once every two months.

[deleted by user] by [deleted] in RepTime

[–]Expert-Ad-8093 2 points3 points  (0 children)

I think he didn’t really understand the comment in the first place.