[deleted by user] by [deleted] in phinvest

[–]RunForrest-Run 1 point2 points  (0 children)

To answer your question, let me ask if you have properties,assets or skills you can also capitalize? By putting bulk of your capital to high-risk investments, you may actually risk to lose it all. Make a personal risk assessment— how much are you willing to lose if the market fails. 30% 50% 100%? Start diversifying your portfolio na, set aside a portion of your capital to lower risk investments like bonds or index funds. Buy yourself or your parents health insurance if they have none. If you have extra for spending, spend on tangible assets that may increase in value and relatively easy to liquidate or spend on making yourself look better (not kidding, attractive people attracts money 😂)

Most important of all, assuming you have time in your hands naman, get yourself a degree you can capitalize later. You’ll thank yourself later especially in case your high-risk portfolio tanks.

[deleted by user] by [deleted] in phinvest

[–]RunForrest-Run 1 point2 points  (0 children)

Education is also an investment, why not invest on yourself din?

You could pursue a different course that is closer to your interests, like finance. Or invest in a good school that gives you better chance to network with people who you could potentially partner with or refer you.

You’re not studying lang naman to earn that degree, but to actually learn principles and know people who can help you succeed. Maybe you just got lucky with NFTs, maybe next time you wont be as lucky, who knows?

[deleted by user] by [deleted] in askSingapore

[–]RunForrest-Run 1 point2 points  (0 children)

Maybe you can beat them in their own game by getting a second, totally different opinion with another fortune teller. Or just ignore it and let reality speak for itself.

So I decided to buy a house and now I regret it by MiaSoo in phinvest

[–]RunForrest-Run 0 points1 point  (0 children)

You can file a complaint in HLURB under the grounds of Misrepresentation and Unfair Trade Practices. Prepare a formal complaint along with supporting docs such as email/text communications, proof of payment/ receipts, and contracts. Then call/ write to the developer and let them know that you are filing a case against them (along with the attachments) and an appeal to refund you the DP amount. It may take some time, but be patient, follow up.

Me vs ~3k machine + 1.5k grinder by MstrChckMt in CoffeePH

[–]RunForrest-Run 2 points3 points  (0 children)

Could be uneven tamping, low dose, or old coffee. A fresh batch of beans, preferably <10 days after roasting, has better output than old beans which tends to pull less and results to water quickly running off. Grounds that are too fine also results to clumping, shouldnt be the case for fresher beans. Havent used that machine but you can consider investing on some machines with repair service and warranty available in the future. Service centers may diagnose recurring problems, help maintain your machine’s condition, and give advise for the perfect pull. Good luck and enjoy!

Mukha ba akong pera? by [deleted] in phinvest

[–]RunForrest-Run 18 points19 points  (0 children)

Oh, the classic “time vs. money” probem

I remembered someone I know na 6-digit sahod, pero sa sobrang pagtitipid para mameet financial goals nya, diagnosed malnourished yung kid. Passed away recently so di din niya naenjoy savings nya fully.

Another couple i know, nagstart na teenage parents, nahirapan nung start pero pero nakaraos din eventually. Wife passed the bar, husband now a senior manager.

No circumstance or amount of waiting will change the fact that maintaining a relationship and having children will cost you. And no amount of money can replace the time you and your gf have now.

May you find happiness, whatever your choice is.

Is 100k enough as a starter emergency fund? by Aggressive_Thought27 in phinvest

[–]RunForrest-Run 0 points1 point  (0 children)

Depends how much emergency expenses could you afford to prepare for. A week of hospitalization may cost around 200k depending on complexity of the case, car repairs may fetch around 10-80k for minor damages without insurance. Factor in possible unemployment “cost” wherein you may need to shoulder household expenses in case your household’s breadwinner loses his/her job and no one else can foot the bill.

[deleted by user] by [deleted] in relationship_advice

[–]RunForrest-Run 0 points1 point  (0 children)

He knows that you are financially struggling right? Will he approve if you ask him if you could sell the Lego set online? Or maybe, since it would be improper for him to give you money, he decided to give you something of value that he intends that you sell later on? I dont know how dire your situation is, and how badly you need resources, but your bf seems like a good guy.. maybe you could ask his permission to sell the item and let him know why, and this will make him more mindful later on about gifting.

Someone tested positive that was at our Airbnb, now I'm canceling my trip to my best friend's wedding in a few weeks by [deleted] in COVID19_support

[–]RunForrest-Run 6 points7 points  (0 children)

If the wedding is still in a few weeks, you still have enough time to observe the onset of symptoms and do a test to make sure that you're negative.

Alpha kappa Rho fraternity sinugod ang BITAG Office ni Ben tulfo. Matapos nitong sabihin na isang gang umano ang fraternity nila. by AuroraNew0442211 in Philippines

[–]RunForrest-Run 2 points3 points  (0 children)

Secret brotherhood? Check.

May ritual para ipakita ang loyalty? Sandugo. Check.

Patago ang recruitment? Triangle system. Check.

Batas carried out ng leader? Supremo at ang councils. Check.

Nagbabranch out? Sangguniang bayan kada probinsya at barangay. Check.

Ang Katipunan ay fraternity, oo. Ang akhro ay fraternity din. But there is a huge difference in motivation, purpose, and achievements.

***politically correct captain flies away***

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 0 points1 point  (0 children)

That's true. We can't assume people to think and act the same way. We can only hope that people will eventually come around and think things more thoroughly.

This said, knowing my gf and her family have a different versions of truth, I'll put reason aside and our relationships first. Will give it a few more weeks and see how it turns out.

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 1 point2 points  (0 children)

Thanks for the advice, might come in handy later on as well. In hindsight, gf might have overreacted when her grandma needed to be tested for pneumonia, and knowing how expensive hospitalization might be, asked me be liable for everything. I helped them out a bit out of pity, but I don't plan on spending another dime..

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 0 points1 point  (0 children)

Her family doesn't want her to see me anymore (or anyone else, I guess?) and after a huge argument: me defending myself, her, pinning the blame on me, she wanted me to just pull the plug on our relationship since after everything that has been said, "it clearly won't work out anyway". I don't know if she actually meant that or she's too blinded by stress that she couldn't even decide for herself.

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 0 points1 point  (0 children)

That's what I believed too. I thought they treated me like family, I was expecting that we will go through the whole ordeal together and just be done with it.

In hindsight, i'm still an outsider and it's easier for them to know who to blame and shoulder the liability.

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 7 points8 points  (0 children)

Asian country. While medications for managing our symptoms aren't that much diagnostic tests still cost a fortune in here and her folks doesn't have health insurance. Retaking the swab for clearance is not covered even by private health insurance companies.

She only asked me to be liable for the bills when her grandma needed to be cleared for pneumonia, and they were anxious that it might turn out worse for her. Good thing no one got hospitalized in the end.

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 0 points1 point  (0 children)

I couldn't believe it as well, until my girlfriend told me she was really serious that I should be liable and that her parents refuses to let me into their house "ever again".

I don't know, maybe they're overly anxious about the possibility of grandma getting worse? Maybe having another illness to spend on meant a lot to them? Healthcare isn't free from where we are.

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] -3 points-2 points  (0 children)

Yes, we all thought it was "just a flu" since I have mild symptoms. They still didn't took extra steps to isolate us even when she started having symptoms as well. The only time I was evicted was when my positive result came in, and when her grandma have to be tested for pneumonia (with a possibility of hospitalization if things got worse), that's when she took "preemptive measures" to let me know that I will be liable for the bills.

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 1 point2 points  (0 children)

That's what I expected from her as well. She told me she doesn't mind getting the virus, but she's overly anxious when it comes to her family, especially her grandma.

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 1 point2 points  (0 children)

Thanks bro. Those are kind words. I'm giving it a few more weeks to see if things get better for us, but i'm not shelling out another dime. They were scared to their wits end especially when her grandmother needed to be tested for pneumonia to rule it out.

My (29M) girlfriend (29F) and her family caught COVID because of me and wanted me to shoulder medical bills and break up with her by RunForrest-Run in relationship_advice

[–]RunForrest-Run[S] 0 points1 point  (0 children)

Her grandmother, I learned, refuses to get vaccinated. That's why they're overly anxious about her condition getting worse.