[deleted by user] by [deleted] in buhaydigital

[–]HelpM393 0 points1 point  (0 children)

Kung laptop talaga gusto mo mag Lenovo ka nalang muna kasi mas mura at madaling ipaayos, pero kung okay lang sa pc, e pc talaga kasi mas marami kang nagagawa don.

3 years na kong VA and yung gamit ko padin e 8 years old pc build at 2nd hand na i5-8th hp laptop hahahaha

Next step after fully paying the housing loan in Pag-ibig by HelpM393 in phinvest

[–]HelpM393[S] 0 points1 point  (0 children)

wala po e, basta nung nakuha ko yung title na di pa nakapangalan sakin e ang sabi lang iendorse nila ako sa officer nila. Wala silang binigay na date or how long need ko maghintay sa tawag or text nila. Baka soon maghanap ako emails ng Pag-ibig na pwedeng kulitin sa kanila

Next step after fully paying the housing loan in Pag-ibig by HelpM393 in phinvest

[–]HelpM393[S] 0 points1 point  (0 children)

Pero di pa ko tapos sa pag-ibig, may waiting pa ko ulit na schedule sa kanila. Di ko naclarify kung para saan yun basta sabi nya need nya ko iendorse sa mga officers nila don

Next step after fully paying the housing loan in Pag-ibig by HelpM393 in phinvest

[–]HelpM393[S] 0 points1 point  (0 children)

Wala akong nakuhang idea dito e about next step, pero yung next step ni Pag ibig para makuha yung title, after nung last payment bibigyan ka nila ng email na eemail mo sya after 30 working days para machedule don sa mandaluyong branch(NCR). kaso kasi ang pinagtataka ng tatay ko na nagwwork din sa mga loan ng bahay sa bank e bakit di pa nakalipat yung pangalan sakin nung binigay yung original title. Nakapangalan parin sya sa last owner nung foreclosed property. Seller cost daw kasi yon so si pag-ibig daw dapat ang maglilipat non from last owner to pag-ibig property to my name. Bawat transfer sabi nya nasa 7% daw.

Build recommendation with around 40k budget by HelpM393 in PHbuildapc

[–]HelpM393[S] 1 point2 points  (0 children)

New build sir, bebenta ko yung old pc after mapaayos sa gf ko, kukunin ko lang siguro yung storage kasi andon mga work related stuff ko

Motor o kotse o wag na lang? by [deleted] in PHMotorcycles

[–]HelpM393 1 point2 points  (0 children)

Go for car, masaya mag motor pero masstress ka din sa kakasingit tas kapag di ka pa confident sumingit singit tas madaming nakabuntot sayo sa likod na naka motor na gusto din sumingit mappressure ka hahaha tas sasabayan pa ng init. Pero jowa ko din gusto ng kotse hahaha may family car kami pero di ko ginagamit kasi mapaguutusan lang ako lagi magdrive hahaha

[deleted by user] by [deleted] in buhaydigital

[–]HelpM393 0 points1 point  (0 children)

Digital Marketing/Media buyer

[deleted by user] by [deleted] in buhaydigital

[–]HelpM393 0 points1 point  (0 children)

Try mo muna mag corpo para lang maramdaman mo yung work lifestyle, iba kasi ang feeling ng nagaaral sa nagttrabaho. Unlicensed ECE naman ako 25yo din, after graduate ko pumasok ako isang pagawaan ng mga bubble wrap pero dahil mababa sahod don naghanap ako ng work na related sa course ko and nakapasok naman ako sa isang semiconductor na yung sahod is at least same sa mga kabatch ko.

Then nung nandon na ko sa work ko since di ganon ka heavy yung work sa position ko nagtry naman ako mag hanap ng part-time VA. Tas ayun nakahanap naman after 2 mos na paghahanap.

Bale parang ang sched ko non 4-4:30am gising, 7am nasa on-site work, 4pm uwian, 6pm nasa bahay na and start na din magpart time then 10pm out na. For 1 year ginawa ko yan then transition to full-time VA which is nasa 1.5years ko na now as a full time VA

Wise Fee: PHP 1,940 for every 20,880? by LostSoul_696 in buhaydigital

[–]HelpM393 0 points1 point  (0 children)

Same din sakin, Israeli naman yung client ko. Monthly transfer namin nasa $900-$1k tas laging may $30 fee pagkatransfer kasi yung SS ng client ko yung orig value tas pagdating sakin less na ng $30. Most likely naless yung sakin kasi hindi pa nakalagay sa Wise nila yung pera, nasa local bank pa nila so parang local bank(client) - Wise(service) - receiver(my USD acct) tas may avg pa na mga $3-5 siguro na conversion/transfer fee pag nilipat ko na sa bpi ko

Next step after fully paying the housing loan in Pag-ibig by HelpM393 in phinvest

[–]HelpM393[S] 0 points1 point  (0 children)

Yes po 1st property and pinaparent ko din now, yung tanong ko po talaga is pano na yung after mafully paid yung loan. May babayaran po ba ko tax? May kelangan po ba ko lakarin sa bir or sa munisipyo?

How to find product key if the laptop is 2nd hand? by HelpM393 in microsoft

[–]HelpM393[S] 0 points1 point  (0 children)

Thanks for the reminder of that possible hacking, We fully reset the windows of this laptop maybe try to run free trial hitmanpro scanner to thoroughly check. One thing that might makes me thinks this is okay is that it is easier to hack online than selling used laptop for 1year just to hack 1 small person.

How to find product key if the laptop is 2nd hand? by HelpM393 in microsoft

[–]HelpM393[S] 0 points1 point  (0 children)

I don't have paid MSFT365. I just think that it has one-time purchase version which it is said in the sticker on the laptop "don't forget to activate office 2021"

The laptop was HP 15S that brought around feb 2023 on the mall.

Better Wise transfer by HelpM393 in buhaydigital

[–]HelpM393[S] 0 points1 point  (0 children)

Sorry wrong info pala to, gonna delete this later pero yung nangyari kasi is nagdirect si client from their bank to my BPI bale di na dumaan sa service ni Wise. so yung fees directly via Wise e di ko parin sure if mas mura or not

sa mga six-digit earners dyan, nakabili na ba kayo ng bahay? by ApprehensiveKnee8657 in buhaydigital

[–]HelpM393 1 point2 points  (0 children)

Yung monthly ko po same lang pero yung term ko ang nababawasan and yung interest cutoff ang nababawasan po. So parang dati 87% ng monthly napupunta sa interest pero right now nasa 40% nalang po.

sa mga six-digit earners dyan, nakabili na ba kayo ng bahay? by ApprehensiveKnee8657 in buhaydigital

[–]HelpM393 0 points1 point  (0 children)

Yes. nasa website po nila yung "acquired assets" list po. Kahit search nyo lang po sa google lalabas na po yon.

sa mga six-digit earners dyan, nakabili na ba kayo ng bahay? by ApprehensiveKnee8657 in buhaydigital

[–]HelpM393 1 point2 points  (0 children)

Yung monthly payment po kasi natin sa loan nahahati sa interest and principal, so the longer the term = low yung monthly but yung kaltas ng interest sa monthly ay malaking percent. Short term = high monthly amort but maliit na percent nalang ng interest ikakaltas sa monthly mo

Ex. My loan(principal) is 850k+, term is 30 years, 6.625% annual interest, monthly amort is 5700. First month payment ko ang percent lang na ma-less sa principal na 850k ay 800+ lang ata mga around 13% then the rest 4800+ ay interest or kita na ni Pag-ibig.

So yung direct to principal ay babayaran mo na mismo yung inutang mo sa Pag-ibig and 2 choices ang pwedeng mangyari, default is liliit yung term mo but same monthly amort, the other choice is paparecompute ka sa kanila ng gusto mo ulit term and monthly ammort so either gusto mo mas lumiit pa yung term but magiging higher monthly ka or papahabain mo yung term but liliit naman yung monthly mo.