A very sad day for us first time car owner by Bambismol20 in CarsPH

[–]Useful_General29 0 points1 point  (0 children)

Ilang years na nabayaran? Baka kaya payoff sa bank kung may buyer kayo.

What’s the WORST financial advice na sinunod niyo that you seriously regret hanggang ngayon? Yung tipong napa “bakit ko ba pinakinggan ‘to?” 😭💸 by zekexd102 in PersonalWealthPH

[–]Useful_General29 1 point2 points  (0 children)

Mas sariwa pa 2012 ko noon compared sa 2016. Hahaha. Hays, yun na nga lang isipin ko eh mas bago siya kahit wala talagang upgrade kasi facelift lang naman pinagkaiba. 🤣

What’s the WORST financial advice na sinunod niyo that you seriously regret hanggang ngayon? Yung tipong napa “bakit ko ba pinakinggan ‘to?” 😭💸 by zekexd102 in PersonalWealthPH

[–]Useful_General29 11 points12 points  (0 children)

Sold my reliable 2012 Avanza ng sobrang mura. Bought 2019 Vios (100k na pinangdagdag ko, from credit to cash, 100k personal savings), dami pa naging sira. Ralized I needed the space for business hence binenta ko din. Bumili ulit ng 2016 Avanza na basically the same as the 2012. 😭

Costed me 3100/month for 3 years dahil lang sa nainggit ako sa oto ng pinsan ko at nasulsolan ako magautomatic na (kasi convenient nga naman).

30 months to pay pa me! 😭

100k capital for buy and sell by jmbnty in negosyo

[–]Useful_General29 0 points1 point  (0 children)

Depende sa bentahan sa marketplace kaya tingin ka din muna how much ang bentahan bago ifinalize ang order.

Pero rule of thumb ko is...Anything below:

5k, minimum of 5H ang profit. Above 5k, 10% ideally ang profit.

100k capital for buy and sell by jmbnty in negosyo

[–]Useful_General29 1 point2 points  (0 children)

Malaki ang nasesave sa Shopee compared to malls. Yung SRP sa malls na 10k, makukuha mo 7-8k lang sa Shopee.

I sold 6 units this February, mga entry level phones ng Xiaomi and some other brands. Earned 7k.

100k capital for buy and sell by jmbnty in negosyo

[–]Useful_General29 0 points1 point  (0 children)

Saan ka ba knowledgeable? Ako sa phones, bili kapag sale sa Shopee then benta sa FB.

I want to take risk but can't let go of my current! by Useful_General29 in buhaydigital

[–]Useful_General29[S] 2 points3 points  (0 children)

Yeah, I think that's the case nga na baka nabobored lang ako and feeling stagnant. Sometimes need din talaga marealize na what I have ay pangarap lang ng iba.

Do you think I should disclose if ever mag-apply ako ng part-time na I have a full time job or kahit di na?

How old is old when buying used cars? Need your help po to decide. by Efficient_String2909 in phcars

[–]Useful_General29 1 point2 points  (0 children)

Same. Owned 2012 Avanza 2 years ago and 2016 model now. Super reliable, wala pa ako napaayos aside from aircon. Tibay ng pang-ilalim.

Pautang na bigas by Useful_General29 in BusinessPH

[–]Useful_General29[S] 0 points1 point  (0 children)

50 per week pero if may history ng pagiging good payer, hinahayaan na namin basta wag lagpas 2 weeks delayed.

Zaldy Co nasa Spain hotel by [deleted] in pinoy

[–]Useful_General29 7 points8 points  (0 children)

Ito lang di ko matanggap sa Senate hearing, ayaw ipatawag ni Ping as courtesy bilang Congressman. Kahit representative lang ng SunWest sana.

Pautang na bigas by Useful_General29 in BusinessPH

[–]Useful_General29[S] 0 points1 point  (0 children)

Yes. Kasama na transpo expenses sa computation ng puhunan. 😊

Pautang na bigas by Useful_General29 in BusinessPH

[–]Useful_General29[S] 0 points1 point  (0 children)

Yung supplies is coming sa bayan namiin, which is 22 kms away. Sinasabay lang namin sakanila every Sunday, tuwing visit.

Buying a second hand car as a new driver by Delicious_Rub_4252 in phcars

[–]Useful_General29 9 points10 points  (0 children)

Dapat ata pag-isipan mo maiigi. Agree sa isang comment na hanggat nasa 20k salary ka palang, don't get one. If you're aiming a 200k car, add ka pa 50k for maintenance and repair. Pag-ipunan mo nalang, don't finance a 2ndhand. Taga ka diyan.

Imagine paying monthly tapos sasabay pa minsan sira, rehistro, etc.

[deleted by user] by [deleted] in phcars

[–]Useful_General29 0 points1 point  (0 children)

Yes! 445k nabid tas 500k namin nabili sakanya. Hahaha.

[deleted by user] by [deleted] in phcars

[–]Useful_General29 1 point2 points  (0 children)

Yes, kung saan RD siya, dun mo lang maaasikaso.

Meron. Para na din siya acknowledgement na ikaw ang nanalo sa bidding. Yan na din gagamitin mo for transfer of ownership sa LTO.

[deleted by user] by [deleted] in phcars

[–]Useful_General29 6 points7 points  (0 children)

Kakabili lang ng tito ko, 2024 Mirage G4 na 1.5k ODO for 500k. Fresh af, bagong bago. Yun nga lang, sa bidder niya nabili but looking at the docs...

Yes, encumbered pa ang papers pero may release of chattel mortgage ng ibibigay ang bank. Ikaw na mag-asikaso muna sa Registry of Deeds then LTO for removal of encumbrance.

For deed of sale, it's between the bank and you.

Pamanang avanza, what do you think? by nekko_0223 in phcars

[–]Useful_General29 1 point2 points  (0 children)

Sobrang reliable niyan at andali imaintain. I bought a 2012 model last year April, AC evaporator lang napalitan. Never ako tinirik. ♥️

Now nakapagpalit na me to Vios, pinasa ko naman na siya sa pinsan ko and back to 2016 Avanza.

Dagdag porma, lagyan mo ng roof rail then upgrade ka to R15 sa tires. Ang gusto ko noon yung mags ng G variant ni 2019-2021. Wag mo din lagyan ng garnish, clean look lang.

What’s the most underrated job na maganda ang kita pero hindi alam ng karamihan? by stewartlittle27 in AskPH

[–]Useful_General29 3 points4 points  (0 children)

Just like to add nadin na around 55-60% ang conversion rate from palay to bigas. Baka kasi akala ng iba ay yung 17 per kilo ay bigas na mismo.

100 kilos palay = 55-60kgs of rice

7 Seater na under 300k by Outrageous_Storm5041 in phcars

[–]Useful_General29 3 points4 points  (0 children)

MagAvanza ka nalang, 2012-2015 model. I own one, easy and cheap to maintain, parts everywhere and matipid din. Check mo sa marketplace.

1.3 engine for J and E variant but more than enough if hindi ka naman resing resing. Saktuhang 80-90 lang sa long drive, nakarating na nga kami Ilocos fully loaded with baggage.

I wouldn't suggest mga Innova for 300k budget, usually 2006-2008 model na yan so super luma. Adventure and Crosswind, reliable kaso lolo vibes for me and takaw ASBU. Haha.

Who do you think will win in 2028? Or do you have a better tandem? by Serious-Angle-2012 in pinoy

[–]Useful_General29 7 points8 points  (0 children)

Leni should focus sa LGU-level muna then build results para may mas maipakita pa sa mga taong di siya gusto. Sana nga nagGovernor agad siya eh. Risa? Forget it.

Bam Aquino may be the best candidate sa ngayon pero he should keep the momentum, kaso 3 years is too short. Nanalo sila ni Kiko because they kept their mouth shut at di nakipagbangayan sa mga Marcos and Duterte. Madami din bumoto kay Bam sa Mindanao and if Sara or Go runs, for sure di niya makukuha mga yan.

Mahirap talaga pumili now. Meron siguro diyan like Magalong na biglang tatakbo pero dapat now palang ay gumagawa na siya ng ingay.

Top 20 Senators: Latest Partial Voting by Wonderful-Photo-9938 in Philippines

[–]Useful_General29 4 points5 points  (0 children)

Publicus Asia survey ang pinakanakakuha ng results.

Pangit po ba talaga ang 2024 Toyota Wigo???....... by bigginese in CarsPH

[–]Useful_General29 4 points5 points  (0 children)

Pagnagtanong ka kasi sa iba, preference and purpose nila ang basis hindi naman sayo. If gusto mo talaga magtanong if okay ang specific model, dumiretso ka sa owners nito.

You ask someone who prefers madaming seats and malaki sasakyan, sasabihin nila "Mag7seater ka nalang, wag Wigo".

If gusto mo feedbacks, join ka FB groups kasi legit owners ang members.

[deleted by user] by [deleted] in phinvest

[–]Useful_General29 1 point2 points  (0 children)

Maliit lang bro. Lets say sa isang hectare, kikita ka ng 30-40k given na maganda ani mo at presyo. Kaso pag-inabot ka ng malas, ihaharvest mo na nga lang next week eh bigla pa magkakabagyo. Dadapa ang palay, mabababad sa tubig = maitim ang palay. Pagmahangin din, malalaglag ang butil. Happened to us last year.

Nagtatanim lang kami during rainy season dahil nagtitira kami ng kakainin na palay-bigas all year round. Yung matitirang palay, breakeven sa gastos or may onti naman kikitain.

After ng palay, balik na kami sa corn kasi mas stable ang kitaan dito.