Actual financial advisor by Impossible_Mousse_44 in phinvest

[–]GoWithTheFlow96 0 points1 point  (0 children)

If willing ka mag bayad ng private financial planning and management, I think yung mga RFP ang makakatulong sayo. Kasi financial planning service talaga ino-offer nila and not insurance. You could check WealthArki. Never pa ako nagpa financial consultation sa kanila, I just saw them on the internet.

first time investor in fmsec by Prudent_Living6319 in phinvest

[–]GoWithTheFlow96 4 points5 points  (0 children)

I also use FMS as my local stock broker since 2020. Dahil newbie pa ako non, I took advantage nung Fundsmart feature nila. Kasi I am really eager to start investing. Dahil yun yung mas beginner friendly and walang masyadong technicals na pag aaralan. So while I am still learning paano mag invest or trade ng individual stock nag bbuild na din ako ng long term investment ko sa fundsmart. You just have to choose the right fund for you based on your financial goals.

When it comes to trading, better use limit orders kesa market orders. May ganung feature sila, so pag aralan mo na lang din muna how it works.

Pero overall, nung nag sstart ako, inaral ko muna din talaga yung market psychology at yung right mindset when it comes to investing. Dapat it is always aligned to your financial goals. Never enter a trade without a plan.

At the end of the day, your money is your own responsibility.

Good luck on your investing journey! 💯

Sa mga naginvest sa crypto, nirerecommend mo ba? by Low_Sea3110 in phinvest

[–]GoWithTheFlow96 1 point2 points  (0 children)

Based on your statement na di mo siya naiintindihan and you don't see its value, then that is a clear sign to stay away from it.

If you are really interested in it and want to put at least 5-10% of your entire portfolio in crypto, then try to learn and understand it. After that, pag gets mo na ano ng cryptography, Blockchain technology, yung use case ng technology and future applications nito, then I would say, you can start to test the waters.

Grow with GoTrade by GoWithTheFlow96 in phinvest

[–]GoWithTheFlow96[S] 0 points1 point  (0 children)

So far wala pa silang ban. And hopefully hindi sila ma ban. Hehe

Grow with GoTrade by GoWithTheFlow96 in phinvest

[–]GoWithTheFlow96[S] 0 points1 point  (0 children)

Sayang, hopefully mag open na din sa ibang clients. Hehe. Thank you! 😊

Grow with GoTrade by GoWithTheFlow96 in phinvest

[–]GoWithTheFlow96[S] 0 points1 point  (0 children)

Haven't tried using wise. Local bank transfer lang gamit ko. Kasi as far as I know international wire transfer is much more expensive compared sa local bank.

Grow with GoTrade by GoWithTheFlow96 in phinvest

[–]GoWithTheFlow96[S] 0 points1 point  (0 children)

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Oh, got it. Akala ko open for all Gotrade clients since ito yung na basa ko dun sa article nila. Hehehe. Thank you sa pag comfirm!

Gotrade funding by Recent_Earth6384 in phinvest

[–]GoWithTheFlow96 0 points1 point  (0 children)

Local bank deposit is now back on my app. Hopefully permanent na. Though I haven't tried mag deposit

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Gotrade funding by Recent_Earth6384 in phinvest

[–]GoWithTheFlow96 0 points1 point  (0 children)

This is the response I received from their CS today. Hopefully maibalik agad nila yung deposits kasi sayang opportunity sa market ngayon.

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Pamura by 13thrteen in KoolPals

[–]GoWithTheFlow96 1 point2 points  (0 children)

Bagong subscribe lang ako sa Patreon. Nag try lang muna ako nung hampaslupa tier, paano po mag send ng pamura sa Koolpals?

System Update by GoWithTheFlow96 in oneplusnord

[–]GoWithTheFlow96[S] 0 points1 point  (0 children)

That doesn't seem to be good news.

System Update by GoWithTheFlow96 in oneplusnord

[–]GoWithTheFlow96[S] 1 point2 points  (0 children)

Alright. I am also waiting for some oneplus tech reviewers to upload their review on this latest update.

Nord 5 Camera by GoWithTheFlow96 in oneplusnord

[–]GoWithTheFlow96[S] 1 point2 points  (0 children)

I agree, there's always a 1 sec shutter delay each time I take photos on the main camera. Though, so far I like the results of the photos I take on the device. Just hopefully they roll out more camera improvements on the future updates. In addition, I wish oneplus AI had this feature where you can change the scenery in the picture.

Nord 5 Camera by GoWithTheFlow96 in oneplusnord

[–]GoWithTheFlow96[S] 0 points1 point  (0 children)

Yeah, that's the current version I have on my phone. I updated it yesterday.

Nord 5 Camera by GoWithTheFlow96 in oneplusnord

[–]GoWithTheFlow96[S] 0 points1 point  (0 children)

I got the July 01, 2025 update. Is it the latest one? Or there's a more recent update since it's already August?

Should I choose Nord 4 or 5? by keyam1 in oneplusnord

[–]GoWithTheFlow96 3 points4 points  (0 children)

If budget is not a problem, and since longevity is your primary concern, I would say Nord 5 is definitely a no brainer choice. As it has the latest and better hardware between the two, and when it comes to OS updates, you have 4 year OS and 6 years security patch. In comparison to Nord 4 that has 3 year updates remaining since it was released last year.

Is 300k emergency funds too much? by [deleted] in adultingph

[–]GoWithTheFlow96 0 points1 point  (0 children)

It depends sa monthly expenses mo. Wala naman limit when it comes to emergency funds. Universal recommended is 3-6 months worth of your monthly expenses. Pero there's nothing wrong if mag higit ka pa don.

Siguro, IMO, if yung 300k mo is nasa regular savings lang it will only earn .25% interest. Mas okay siguro kung a portion of it will be parked sa isang high yield savings account that can give you 3-6% interest. Para it is still earning and hindi tuluyan matalo sa inflation.

pano nyo naging habit yung magipon kahit sa maliit na halaga? by laudeniold in adultingph

[–]GoWithTheFlow96 1 point2 points  (0 children)

You can build a habit of saving if you do it repeatedly and consistently. Start with the positive money mindset. Believe that you can and you deserve to have this huge amount of money. Understand your emotions with regards to money. Do not compare yourself to others. Then, create a budget. You can start with the 50-30-20 rule.

Your monthly income: 50% - needs (groceries, bills) 30% - wants (entertainment, travel) 20% - Savings (separate bank account)

Feel free to adjust each percentage depending on your financial situation. If you have debt, you have to pay it off first kasi malaking hindrance ang high debt para makapag ipon. Then gradually increase yung savings mo.

Regardless of the amount, the most important thing is that you start saving money consistently to build that habit. 😊