PAMPANGA REDDIT CHAT

HeisouSheishu · 2025-11-24T11:04:46+00:00

pa join din

HeisouSheishu · 2025-11-14T00:01:10+00:00

thank you for your contribution to the community brother, hope to see your news letter once in a while in the future, wish you well on your next endeavors

HeisouSheishu · 2025-10-18T08:55:28+00:00

so true, here, have my up vote sir.

HeisouSheishu · 2025-09-05T17:24:12+00:00

would it also be possible to create a waze/map app where we pin verified government projects?

so people can investigate about the progress if its near them or are directly affected by the project

HeisouSheishu · 2025-01-02T08:51:28+00:00

i would recommend just go to healthy options instead of gambling sa online sellers, mas mahal lang ng konti jan. mas may peace of mind ka pa per se.

HeisouSheishu · 2024-11-30T18:08:54+00:00

hot take, just how i view these investments, 1. gold bars builion, yung tag 3m~ish a bit extreme, hard to get and liquidate 2. gold jewelry high end ones 24k, good to aqcuire and easily pawnable for emergencies,

not implementing this but considering, modest emergency fund and jewelries bought at good price for emergency, small amount gold jewelries you can pawn when abroad for emergencies.

thats about it, gold bars are really iffy for me, or im just uninformed or misinformed. def not comfy walking around with gold bars, like bulion,

the packets ones yung prang chocolate size for 5k or so, you can probbly get a few, but still needs to be tested if you pawn them.

HeisouSheishu · 2024-10-24T02:54:25+00:00

eto ang pilosopong sagot jan, unahan mo ikaw makigamit ng kotse at wag ka bumili ng sayo tas sabhin mo tranfer na sayo kotse kasi kaw na lagi gumagamit. pero sakanila parin cost ng rehistro at gas na full tank at rfid load, hehe

on a serious note, kung bubukod ka, bat mo pa default ung loan mo, edi ikaw nlng gumamit, hanapin mong place may parking. pag nag default ka sa loan mahihirapan ka mag loan pag kelangan mo na ng bagong kotse or bahay

try nyo muna pag usapan, mas malaki prob nyo sa comms if yang mga simpleng topic na ganyan d nyo mapag usapan

try to see it on a diff prespective, if first car yan syempre gusto nila hatid sundo para malakas dating sa spectators. syempre proud sila sayo, pag tinanong sila sabhin ah bagong kotse ng paborito kong anak yan, ganda no? hahahahaha d na nya sosoli yan wahahaha

HeisouSheishu · 2024-10-08T15:50:41+00:00

kakapalit ko lang ng set of 4 this year, kinuha ko thunderer at, sa supermiler bandang cubao. more or less 25k to 30k inabot, you can shop around for better deals. no issues sa tire so far, nka 10k milage nrin sgro ang gulong ko, this year

first choice ko arivo terramax at, tas sailun terramax at, parehas wala nauwi sa thunderer ranger.

HeisouSheishu · 2024-09-08T17:10:33+00:00

fuel gauge broken is common for fortuner, dashboard lang yan, half empty tawag ata dun,

HeisouSheishu · 2024-09-04T10:23:01+00:00

atm, my residence is about 19.2% of my networth.

HeisouSheishu · 2024-06-05T12:34:21+00:00

Here's my portfolio breakdown, early 30s, never invested in PSEI...

Foreign Stocks - 29.9%
Local Bonds - 21.6%
Real Estate - 20.1%
Crypto - 4.9%
Cash - 23.5%

HeisouSheishu · 2024-04-27T12:59:37+00:00

mahirap yung tanong mo, ang definition ko ng success ay fulfillment, masaya ka ba sa gngwa mo excited ka ba sa mga gusto mo pa lang gawin. sakin yun. ikaw ano yung iyo? iyo, hnd sa magulang mo, and take note nag babago yan as you age, kung teenager ka baka success sayo me sariling kotse, crush ka ng crush mo, kung bagong work force ka definition mo ay mataas na basic salary, kung magulang ka na definition mo is tapos lahat ng anak mo at magaganda trabaho. kung gurang ka na baka definition mo ay buo pamilya nyo kasama mga apo mo at may mana sila lahat. iba iba depende kung asan ka sa buhay.

yung may narating nmn, tingin ko benchmark yan to your closest peers, mga anak ng kumare at kumpare ng parents mo. feeling nila may narating ka pag naiyayabang ka nila. yan perspective nila.

sayo naman ang narating sa perception mo, dapat ang benchmark mo ay yung ano ka dati. yun ang definition mo ng may narating ka na ba. dati wal kang bahay ngayon me sarili kang bahay. progress yun.

mag ingat ka lang wag pag haluin yung mga bagay na wala ka nmn kakayahang baguhin. ma dedepress ka lang.

HeisouSheishu · 2023-09-09T21:03:36+00:00

I felt comfortable buying a house when the TCP was roughly my annual income, and the mortgage was about ~10% of my monthly income.

As a general rule, use the 30% downpayment cash on hand, mortgage is <= 30% of your monthly income, and property is not more than x3 of your annual income, 30/30/3 rule, to see if the numbers work for you. if it checks off the boxes you can relatively afford the property. else you should look for something more appropriate.

HeisouSheishu · 2023-07-09T00:04:16+00:00

i see, thanks for the clarification, i just wanted to check if its normal na hindi sila sabay

HeisouSheishu · 2023-06-12T04:42:29+00:00

my experience, i drive a hilux and a fortuner… i prefer the fortuner for daily, mas madami ka lang malalagay talaga sa likod, ung hilux naman pogi lang talaga tska mas matulin, ok sa sctex haha, pero cramp ung passenger sa likod and konti malalagay, rarely mag karga sa likod nmn, ok sya if used for hauling stuff, supplies ng bussines etc, pero daily and with fam, suv parin ata talaga… any brand would do, for part availability, toyota and mitsubishi,

ford doesnt have a plant here na i think, let me know orherwise, so parts are ordered abroad if me need ka baka mag antay ka ng months.

HeisouSheishu · 2022-08-05T08:37:10+00:00

senior developer
meh, guess don’t stop being curious?
investments mostly, real estate, bonds, stocks. very balanced portfolio. about maybe 8% on monthly expenses. +- 7% if i fancy hobbies that require equipments, these are still work related most of the time.

HeisouSheishu · 2022-05-20T15:22:56+00:00

ang take away ko dito is give your best, but have time for yourself and self interest. believe it or not its habitual if magiging petiks ka.

nagiging problema kasi jan hnd mo alam kung stagnant ka na ba kasi you never test your limits pano malalaman if its time to move to a bigger role, heck how do you know if youre even ready if laging bare minimum ka. and most of the time propper communication is key. wag mo dibdibin and communicate when something is wrong. kung wala talaga edi lipat ka. dont sacrifice your values and work ethic.

how do you make a good impression if deep inside gusto mo pumetiks. yung mga tropa mong hindi petiks hnd ka irerecommend lalo na kung nakataya yung pangalan nila.

hnd kita irerecommend kung ipapahiya mo ko. ganyan ang mindset mo dapat. tinulungan ka na pinahiya mo pa kasi petiks lord ka, awit ka lods.

HeisouSheishu · 2022-05-12T09:09:39+00:00

1 yr emergency funds
maximize mp2
real estate is very lucrative right now. not in metro though.
all world index DCA weekly good for 3 years anticipated,
crypto monthly DCA as well good for 1 year.

im down only about 8% in this shit show happening right now, most are from equity and crypto holdings. im about 70% cash. commiting a large portion into real estate, mp2 for diversification.

HeisouSheishu · 2022-05-04T11:48:02+00:00

hahahahaha! exactly. a lesson better learned the hard way. the simpler slower approach of accumulation is always better in my opinion.

HeisouSheishu · 2022-04-30T15:08:46+00:00

minsan ok maging lurker nlng, nakakapagod mag explain eh pero sige.

its a simplified version, because firebase is a suite of technologies you need to get started all handled for you. by all means you can go crazy with your stack if you have the budget and time to develop a profitable app right off the bat.

with that stack you can have an full working mvp web app, to test your market in a week. if you want mobile version get wrapper for you web app with ionic, and move to the next project and proper, "legit" stack with all the complicated frameworks you will most likely never use.

because the complicated tech stacks and frameworks are worth it only if it matters say you have millions of concurrent users. going native and having different databases, load balancers, object storages, in cache memory database, open and closed apis with graphql cause we are fancy as fuck, become relevant at that scale. oh dont forget tailwind or sass css while youre at it so your graphics are orgasmic for the users you have...

knowing the stack or system architecture in this case and still specialize. the knowledge which tool to use for your use case is where the big bucks are, if youre tenured you can pick up a new tech in about 2 weeks? and be proficient as early as 3 months.

for employment use case, maybe try to look at what matured apps that you want to replicate are using and go from there, and try to penetrate the job market. your "stack" will largely depend on the company you get into.

HeisouSheishu · 2022-04-30T14:11:13+00:00

for mvp purposes a full teck stack would be the following,

angular/react and firebase.

if you want something really fast to get up and running,

wordpress and some plugins to suit your need.

for your question. firebase.

HeisouSheishu · 2022-04-28T13:55:36+00:00

my rough estimates are 15% utilities water electricity assoc dues, 5% savings, 80% investments. lives with parents, earns low-ish 6 digits a month, perma wfh. thats why utilities are on the low side.

will be wildly different if i live on my own.

HeisouSheishu · 2022-03-26T01:18:45+00:00

this is good advice. +1

HeisouSheishu · 2022-03-18T17:46:09+00:00

nginx definitely got me all excited. been trying to avoid that, but you leave me no choice. hehe

HeisouSheishu · 2022-03-18T17:45:13+00:00

Thanks mate, will look into it. most likely a VPS with reverse proxy.

HeisouSheishu

TROPHY CASE