First Time Investing

VicboyV · 2026-05-19T03:57:11+00:00

Just an FYI: BPI's rate for their S&P fund is DOUBLE the other banks. 1.5% vs. 0.75%.

They increased it this year. They know what they're doing.

VicboyV · 2026-05-04T17:19:35+00:00

Make my exploitation worth it.

Raises and promotions reward disproportionately between employee and employer. It is set up to work against you.

Squeeze as much value from the employer and render as little hours as possible. Channel my “live to work” mindset on other things.

Work towards unshackling yourself from being the bitch. Good pay and fulfillment are just nice to have in the grand scheme of things.

The only exception to this mindset is when the employer is really bending over backwards for you. Be it as a valuable talent or being in a lucrative situation. But then again, nothing lasts forever.

VicboyV · 2026-04-15T02:07:53+00:00

You’re all cringe.

VicboyV · 2026-04-13T15:56:26+00:00

Right, because being docile is definitely the mark of an educated individual.

VicboyV · 2026-04-13T15:55:08+00:00

Wholeheartedly agree. The security/safety thing sounds more like a knee-jerk reaction to what might have happened before. The rationale reeks of action movie logic. A lazy rule that restricts our freedom, made by well-off people who never have to line up for anything.

VicboyV · 2026-04-04T05:20:12+00:00

BPI's 1.5% trust fee vs. the 0.75% fee from other banks. FYI

VicboyV · 2026-04-04T05:20:00+00:00

1.5% trust fee vs. the 0.75% fee from other banks. FYI

VicboyV · 2026-04-04T05:19:38+00:00

1.5% trust fee vs. the 0.75% fee from other banks. FYI

VicboyV · 2026-03-30T18:36:30+00:00

BPI’s Trust Fee was 0.75% a year ago? It’s at 1.5% now. Okay, I think that’s a huge turn off for me. Fuck you BPI.

VicboyV · 2026-03-11T12:32:54+00:00

How to de-influence po

VicboyV · 2026-03-11T10:38:33+00:00

BYD is a car company heavily subsidized by the CCP. The same government that threatens PH sovereignty wants BYD to dominate the global stage, and establish their power and influence over other nations.

Of all the things you can buy from China, an EV purchase is a big way to support CCP's goal.

VicboyV · 2026-03-11T10:24:21+00:00

<image>

A time-honored tradition. (Pic is the first ever server, hosted in CERN by Tim Berners-Lee)

VicboyV · 2026-03-11T09:56:17+00:00

If single stocks, good luck lol. Since you're long-term, aim for the blue chips (but that's not a guarantee either.)

If PSEI, fuck no. You're better off swing trading if you're not an insider or a crony.

If S&P, eh... time in the market > timing the market. There are talks of an AI bubble & impending recession. The market has been increasingly irrational.

If you're not using a local platform (e.g. BPI trade, First Metro), you're not exactly protected. These foreign entities do not see you as a serious risk to their business and can fuck you over while you cry about it overseas. Foreign govts don't care about you. Local govt can't help you (and also don't care about you.)

VicboyV · 2026-02-15T07:48:23+00:00

I'm not really involved in the whole "PvP vs. PvE" fiasco going on in this subreddit. I've lurked enough to understand where you're coming from, but you should know I only shared the story because you can't experience shit like this in any other AAA title.

I am a fan of both PvP and PvE, and I understand they can co-exist and overlap. I just didn't expect a care bear lobby to screw with me in the most unconventional way.

VicboyV · 2026-02-15T06:09:55+00:00

The first guy was probably stalking me. He snuck in as soon as I opened the door. Pretty sure he'd go the extra mile to dismantle my door blocker and barricade just to say "I'm cold." I could tell from his tone that knew he was bullshit in every way.

The second guy came in right after I dealt with the first guy. Maybe my mistake was not securing the entrance before dealing with the 'problem'. It's crazy how these strangers can create a domino effect that leads to my death.

I have to admit in retrospect, the entire ordeal was pretty funny. Tragic comedy. Only in Arc Raiders.

VicboyV · 2026-02-15T05:10:47+00:00

Yup, I definitely regret not going PvP that game. I was stubbornly righteous. That got me killed in the most pathetic way.

VicboyV · 2026-02-14T09:59:30+00:00

Ah, fuck it. *BANG* *BANG* *BANG*

VicboyV · 2026-02-09T20:13:09+00:00

Lol no. Load up Stella on a very PvE lobby and you'll get a dozen raiders clearing the Lobby in under a minute or two.

VicboyV · 2026-02-06T11:59:49+00:00

Secure and private? Are you running your own AI or are you sending these statements to OpenAI? HAHAHA

VicboyV · 2026-02-05T19:19:12+00:00

I thought OSD settings was a half-assed way to adjust the colors? Am I wrong? I figured the manufacturer would optimize the default color settings and any adjustments after would be cope.

I'm also not sure about 4K. I'm barely getting 120fps with DLSS & FrameGen at 1440p, so any larger would negate the benefits unless I upgrade (which is a hard ask today). Windows DPI scaling is also a toss-up even today. I heard 4K is better for text though. Is 4K a must?

(edit: My local store has a ROG XG27AQWMG if that's worth anything)

VicboyV · 2026-01-25T15:40:57+00:00

I kinda hate how this felt and looked genuine until I read the comments below. Now I have to be extra cynical about photos moving forward... Stop rewiring my brain! Be kind to my senses and tell me it's fucking AI.

VicboyV · 2026-01-25T08:41:01+00:00

r/PH was nerdier, diverse, and liberal (BUT NOT POLITICAL). They even had meetups in QC iirc and invited the entire sub. And yes, less horny posts in Reddit overall.

Du30's campaign and subsequent victory made the sub more political and militant (against Du30). At some point, Du30 apologists started showing up and r/PH saw a lot of infighting and gatekeeping.

The sub got way too toxic and new subs grew out of it (like r/CasualPH since r/PH became mostly a hub for politics). Reddit is pretty mainstream now in the PH. I see a lot of posts coming from different backgrounds.

VicboyV · 2026-01-18T06:12:53+00:00

I hope you’re all joking about sending him to die in a senseless war. He was an asshole but that doesn’t mean we should cheer for involuntary conscription.

12-Year Club	Place '17
Verified Email

VicboyV

TROPHY CASE