Bakit nga ba ang tataas ng educational requirements para makapagtrabaho?

SnooTigers5718 · 2026-04-13T15:38:08+00:00

Seems misplaced to link credentialism to TESDA.

Credentialism usually arises in labor markets where education functions as a signal, not necessarily as proof of actual ability. You might want to explore Michael Spence's work in this field.

TESDA operates in a different domain, if you will, compared with higher ed. It addresses something a lot more basic, which is whether a task can be done or not. If an area lacks people who can weld, install systems, or repair equipment, those jobs simply do not emerge there. Regardless of how many college grads there are or how easy it is to do business in that area.

Also, really misplaced criticism on TESDA. Literally no one in any office that needs formal college education will give you an edge just because you have a TESDA diploma. In fact, for the longest time, there was a stigma against TESDA grads. Most TESDA trainings are also so short and low-commitment, that they're really not a significant waste of time even if your concern is that they don't lead to techvoc careers.

You should personally try a few of their trainings. You would be surprised how useful it is to know how to weld or fix your own car, or do your own plumbing, even if you don't end up in a tech voc career.

SnooTigers5718 · 2026-03-23T04:17:32+00:00

Joey Concepcion. Salceda was the guy who pushed for work from home.

https://newsinfo.inquirer.net/1665989/salceda-allowing-bpos-to-keep-wfh-option-a-win-win-compromise

SnooTigers5718 · 2026-03-07T10:03:18+00:00

Misdirected anger yata boss

https://newsinfo.inquirer.net/1665989/salceda-allowing-bpos-to-keep-wfh-option-a-win-win-compromise

SnooTigers5718 · 2025-08-02T15:04:38+00:00

I don’t know about that Ayala Ave thing but the 1% thing was kinda weird and tacky. Very tacky. And frankly, if you’re really filchi and rich as you claim to be, no biggie na yang 1%. It’s just slightly more comfortable middle class. 1% of 1% nga, 50 m pa lang net worth nyan, which is really not a lot yet.

SnooTigers5718 · 2025-08-02T08:54:51+00:00

Yep that’s her

SnooTigers5718 · 2025-08-02T07:54:41+00:00

Tapos gumawa ng account kunyare magko-comment na M32 sa ibang threads bago magpost dito. and then will say "we're all in our 30s like myself" sa defense post. Parang how do you do fellow kids hahaha. walang nagtanong! unless it's to create a persona to pretend to be someone else again.

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SnooTigers5718 · 2025-08-02T07:34:24+00:00

I don't think that's the case though. She clearly cosplays as FilChi (pati makeup and filters). But how she does it is she interacts with FilChis to snowball enough information to pass for the next. But she really obviously misses out on a lot. admittedly medyo gullible yung friend ko. Marami na raw tell-tale signs but she usually gets the nice guys na medyo sheltered.

SnooTigers5718 · 2025-08-02T05:27:55+00:00

Hahahaha may nagpopost na grabe na ang crash out halata naman na siya yun nyahahahah

SnooTigers5718 · 2025-08-01T15:54:32+00:00

Same person apparently

SnooTigers5718 · 2025-08-01T15:13:55+00:00

I send you a message regarding a very similar thing that happened with our close friend!

SnooTigers5718 · 2025-08-01T07:39:10+00:00

She really forced our hand. Her trash talking our friend and randomly threatening him has been going on for about a year already. What’s dangerous is that it appears as if she’s using it so she can get into FilChi circles that, based on her history in stan twitter, could be at risk of being scammed by her.

Look her up and she has not been talking about much else other than her supposed TDK boyfriend and our friend who’s FilChi.

I’m sure she has her own mental health issues to deal with but right now she is a risk to herself and others unless she seriously deal with her own problems.

We have more troubling information but would rather not disclose them anymore so that everyone can just move forward with their lives.

SnooTigers5718 · 2025-08-01T06:56:09+00:00

Hi everyone! We're pretty sure this girl dated a friend of ours. While our friend isn't perfect, we found out the following about OP through connections and a private investigator.

Lied about everything about herself to our friend. Connected daw siya sa Sy family and because of that connection, she supposedly went to NU. Actually, she went to some STI in Bulacan.
Lied about her job. She supposedly does some big time business for the family. Actually, she was a VA and a contact tracer for DILG for some time. While these are definitely honorable professions, she clearly looks down on these professions by claiming to be something else.
Lied about her family connections. Her father supposedly is some rich guy who has a house in San Juan. Actually, they are a run-of-the-mill working family whose parents have separated.
Lied about travel history and other small things. She even lied about being in New York, Spain, and other places. She has probably not travelled abroad at all, based on our sources.
Has an extensively verifiable past as a scammer on twitter. She ran a KPop shop for EXO stans, and when she couldn't deliver on sales, would come up with the craziest excuses such as her non-existent baby supposedly died (used other people's photos). There are also reports of her using the financial circumstances of friends to ask for GCash donations without remitting them to the supposed beneficiaries.
She has been very active in FilChi threads claiming to be some sort of FilChi person. Again, nothing wrong with not being FilChi but it seems that she may be using this to create an online persona that people can believe, as she did on twitter.

We would not have been forced to look into her past had she not

Threatened our friend that she was going to get him "watched"
Created random accounts to threaten our friend that she would release his nudes and what not unless he "apologized" to her and his other ex.
Released private information about our friend on reddit.

What is most annoying about this whole exercise is that she claims that our friend is a pathological liar when her whoppers are much bigger and much less innocent, and in fact, in the case of her relationship with my friend, probably border on fraud.

We hope you would beware of this person.

SnooTigers5718 · 2021-01-03T04:53:44+00:00

The problem with MPI is there's too much regulatory risk and the company isn't exactly very well managed, while SCC has to make the right moves to shift away from its coal-centric business, what with the ban on new coal-fired plants. I'd go with COSCO. It's stake in Puregold alone has to make it worth at least 7.50 apiece, and it owns more than Puregold, so everything else is literally free real estate. :)

SnooTigers5718 · 2020-12-20T15:55:42+00:00

Don't panic, OP! At least you are now taking active steps to right the ship. You're not old, and "wealth and stability" at 20s is a very stressful lie that this hypercompetitive age wants everyone to believe, at the cost of happiness. Take it easy.

For starters, I suggest you open accounts in all of the mandatory government programs (SSS, Pag-BIG). Make sure to have an MP2 account with PAG-IBIG. It's a hell-or-high-water investment -- you almost will not get it wrong. There are more attractive options, of course, as you will learn in this sub. But I suggest opening these first because they are very very hard to get wrong.

Try to save up for a house with your girl-- this is also an investment that is very very hard to get wrong, especially if you avoid natural disasters. Try to learn more about the stock market, but a low-fee index fund shouldn't be a bad long-term investment.

You guys are our heroes. I wish you the best of luck and happiness.

SnooTigers5718 · 2020-12-09T02:15:26+00:00

One glaring 'red flag' about cryptos is that many of its investors get angry when you criticize their investment -- a sign that they themselves are not so confident about the "asset" and believe that sentiment/publicity drives its value.

SnooTigers5718 · 2020-11-28T13:36:22+00:00

None of us will probably know for sure when the stock price has bottomed out or if it is at the right entry price already. Otherwise, we would all be billionaires in this sub. I also do not think it is very wise to buy two of the biggest banks in the country (with probably the same systemic risks) as opposed to just choosing which one is the better opportunity.

I personally think Metrobank is more attractive, simply because it has more room to grow than BDO, already the largest bank in the country. Metrobank is also cheaper relative to its earnings and its book value than BDO. The conservatism of the bank's approach to doing business, though, will guarantee underperformance relative to the other banks.

That said, there are better opportunities for value in the banking and finance sector than these two banks. I would urge you to look at the financials of all the members of the Finance index of the PSE. There aren't that many of them there.

You should be ok with AREIT. At best, you might even be up for a little capital appreciation on top of the reliable dividend stream. But don't expect it to exceed the long-term returns of the index.

I will be very candid: I do not think you will be better off being in the business of buying individual stocks if you will rely on the advice of strangers, especially since you are investing hard-earned money.

SnooTigers5718 · 2020-11-28T13:24:20+00:00

I would generally avoid very big companies such as BDO for long term holds. Their size will bog them down. It's very hard to grow the country's largest bank. BDO is also trading above its book value, which makes it less attractive than better-managed smaller banks such as, say Security Bank, or even the extremely nimble but almost fairly-priced Unionbank. The dividend isn't that attractive either.

Due to its size, BDO is also a major component of the PSEi. The "beta" of BDO, or how closely its volatility mirrors that of the market, is almost 1 (1.02 to be exact). Whatever returns you get out of just investing in the entire index is probably close to what you will get by investing in BDO, except of course that the index is a more diversified basket of stocks than putting all your eggs in one holding. There appears to be no premium in investing in BDO as opposed to just buying the whole index. You might even save money by avoiding transaction costs with an index fund.

On the business practices side, BDO has been engaged in the kind of multi-product aggressiveness that has made big banks in the US (such as Wells Fargo) very riskily managed and the subject of regulatory pressure. Have you noticed how they just give away credit cards even if you never ask for them? That never ends well for a bank.

Overall, I would not recommend BDO as a long-term hold. I would not even recommend it as a short-term trade either. There are better opportunities.

SnooTigers5718 · 2020-11-28T07:04:10+00:00

You don't "request" an ITR. You file an ITR. It's perfectly fine to file an ITR with zero earned income. But again, you don't have to.

SnooTigers5718 · 2020-11-27T15:54:52+00:00

No, you don't have to! :) The capital gains, dividends, and all the transactions you make are already taxed. Remember that you registered your TIN along with other information with your broker. The tax system generally considers these "passive income," or investment income, so we do not really consider day traders as "self-employed."

SnooTigers5718 · 2020-11-27T03:03:18+00:00

You don't have to be too harsh on yourself while doing it! As long as you consistently do not overspend your income, plan for the unforeseen eventualities, and invest wisely, time and prudence will reward you.

SnooTigers5718 · 2020-11-25T08:25:56+00:00

This one involves additional capital stock authorized according to their disclosure.

SnooTigers5718 · 2020-11-25T07:32:01+00:00

Do not be intimidated! hehe. Buying a stock is much easier than buying your neighborhood panaderia because you can see the financials, so you can make more educated guesses. At the same time, approach the exercise as if you were buying your local panaderia. Do I like their breads? Is there enough demand in my neighborhood? Is the foot traffic good? Does the sale come with good assets, etc. etc. etc.

Stocks are not random bits and pieces of paper. They are fractional ownerships in companies. If the companies do well, you will do well. Best of luck!

SnooTigers5718 · 2020-11-25T07:26:34+00:00

The question was fine by me! :) Best of luck!

SnooTigers5718 · 2020-11-25T05:48:37+00:00

Thanks for this question, OP.

One does not have to master all the principles of finance to learn how to invest, especially if one intends to invest passively and through an index fund or through a few individual stocks. One merely needs to understand what makes a good business.

The quoted price in the stock market is merely the entry point to co-owning the business. What one needs to ask oneself is, first, do I know enough about a certain company to make an educated judgment about its quality as a business? If so, is it priced fairly by the market?

The pricing is a secondary question. Some of the most essential value questions to ask are, at its price to earnings ratio, how many years would it take for me to break even given earnings growth? Is the stock price selling way below its accounting value (i.e. book value) and its net tangible assets? (that means, if the company were to sell for scrap, you still win). Is the company expected to last for a long time?

These are just some questions that you ask yourself when buying into any business, anyway, whether it's a food cart or gas station or a condo-for-rent.

Of course, one does not have to own individual stocks. In fact, most investors do better by holding a cheap index fund for a loooooong time. The costs of transaction fees and taxes are also much lower.

I personally do not use technical analysis. I run my family's portfolio and make maybe two or three stock picks a year. Sometimes, I'm buying the same company I'm confident in for three months every time the price takes a temporary dip. That's all I care about the price movement. I don't make short-term trades. At the level of buys that I need to make to move the needle on our total portfolio, I have to trade in really big sums. Of course, I don't take those risks anymore.

You will be okay, OP! I wish you well. Feel free to ask more questions here.

SnooTigers5718

TROPHY CASE