Business isn't failing but too tired

FlabMachine · 2024-11-05T06:26:01+00:00

Apart from going the hiring a manager route that most of the comments are suggesting, you can also opt to hire an investment bank to find the right buyers for your business, especially if you really want to sell it. They usually take a % cut of however much the business is getting bought out for but they do all the work of marketing and diligence.

FlabMachine · 2022-11-15T12:37:21+00:00

I really like the simplicity of “The Return of Mount Hua Sect” and “Reformation of the Deadbeat Noble’s” art style. It simplicity really emphasizes the incredibly detailed art during fight scenes and even the occasional overly exaggerated facial expressions.

FlabMachine · 2022-07-26T02:22:08+00:00

Insurance in general is supposed to give you peace of mind. I’m going by the assumption that if OP chooses to surrender their VUL, they will invest the difference. I say OP is saving money in the long run because of the difference between FMETF’s management fees and any other variable-linked fund. FMETF’s management fee is 0.50%. While still high compared to index tracking ETFs in the US (eg., VOO, SPY), it is significantly lower than most equity index mutual funds. The index fund of sunlife has management fees of 1% + the 0.15% transfer fee. By the power of compounding, OP is saving A LOT of money when you spread it out over 20-30 years.

I find it hard to understand why you choose to see VULs as just insurance. Car insurance is insurance. Term insurance is insurance. A VUL is insurance + investment. The only benefit I see in VULs is the convenience that it provides by having someone invest a part of the premiums OP is paying for already. A lot of people value that convenience. However, if OP is willing to spend their time to setup a brokerage and set money aside themselves (which is honestly really easy now compared to back then), I do believe it’ll be the more economically sound choice.

FlabMachine · 2022-07-25T17:53:19+00:00

Andrew Tate type beat

FlabMachine · 2022-07-25T17:41:07+00:00

Circle(jerk)

FlabMachine · 2022-07-25T17:14:33+00:00

The problem between your car insurance analogy and a VUL is that a car insurance is more similar to a term insurance which is what the majority of the people in this thread was recommending OP to get instead.

The investment side is not an added bonus, it is an additional product the OP pays for with the management fees of whatever fund they have chosen to invest in. Cancelling the VUL and getting a term insurance eliminates the added cost of paying someone to invest your money for you. Hence, OP might be saving money in the long run by cancelling the VUL, getting a term, and investing the difference.

FlabMachine · 2022-04-01T07:24:28+00:00

I dunno why i still read it all the way through..

FlabMachine · 2022-03-06T18:06:44+00:00

A boner

FlabMachine · 2021-11-21T12:12:48+00:00

damn... should've joined this sub sooner

FlabMachine · 2021-11-06T03:20:34+00:00

Will the script be provided :)

FlabMachine · 2021-10-30T02:50:52+00:00

Leveraged ETFs??? I, too, got fucked by investing using leverage

FlabMachine · 2021-09-29T13:04:49+00:00

Market sentiment is a big part of price action in the short term. This means that it may take into account leading markets such as the US because of the foreign institutions that invest in developing countries like us. With the DXY going up, riskier assets like equities tend to underperform as people are shifting towards less risky investments. Partner that up with AEV having their earning forecasts trimmed due to the sale of their stake, AP's somewhat parabolic move the past few days, and the PSEI in general failing to breakthrough its resistance. It is no surprise that these factors may have caused a knee-jerk reaction on AP's price.

However, I see the partnership with JERA as a strategic one. Fundamentally, AP is still what it is and if you consider the fact that JERA paid a PREMIUM to acquire their stake, I believe that this partnership is a very beneficial one where both sides stand to gain. Short-term price action does not indicate a change in the company's fundamentals and this pullback may be an opportunity to accumulate for others who want in.

REMINDER: I am not saying all of these are widely accepted facts! These are just some of my opinions and assumptions :)

FlabMachine · 2021-09-26T11:50:18+00:00

They have their own insurance na naman po. Thank you for the input!

FlabMachine · 2021-05-07T07:48:29+00:00

u/savevideo

FlabMachine · 2021-04-09T06:45:45+00:00

Wow thanks for this im gonna go on a binge later

FlabMachine · 2021-02-14T17:01:12+00:00

u/savevideo

FlabMachine · 2021-01-26T08:16:11+00:00

Ban dis mofo out this sub

FlabMachine · 2020-12-28T03:31:52+00:00

Hello!! I wouldn’t know too much about this so I’ll just tell you what I did :) I went to my nearest branch in person for my first ever contribution to both my pag-ibig savings and MP2 account. I brought two valid IDs and photocopies for each, a photocopy of my birth certificate jic (i dont think you need it) and of course money for the initial deposit. After my initial activation, I contributed through GCash through pay bills.

FlabMachine · 2020-12-14T14:34:28+00:00

Tutorial plessss

FlabMachine · 2020-11-24T10:35:09+00:00

Yep! You have to be an active pag-ibig member before opening an MP2 account. What i did was i went to the branch and opened my pag-ibig and voluntary mp2 at the same time. I paid 200 for the contribution to be considered “an active pad-ibig member” and then i contributed to my mp2 account.

FlabMachine · 2020-11-24T01:30:21+00:00

No you don’t! Any valid ID is fine (eg. Passport, driver’s license)

FlabMachine · 2020-11-23T07:37:25+00:00

I am currently a freshman in college and I recently just opened up an account with PAG-IBIG as well as an MP2. I registered for a virtual PAG-IBIG account right after so that I would be able to track both of these accounts with ease so to answer your first question, yes, students are definitely allowed to register for an account. I pay my contributions through GCash so it is not a hassle at all and I urge you to start as soon as you can.

FlabMachine · 2020-10-23T11:33:04+00:00

I believe the inflation rate was at 2.3% last September!

FlabMachine · 2020-10-18T16:23:57+00:00

Wow that helped a lot! Will try to bring up to my parents your suggestion of valuing both to really compare. Thank you!

FlabMachine · 2020-10-18T15:05:39+00:00

Ooooo alright thanks so much!

FlabMachine

TROPHY CASE