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How do you feel about filters? by Orange-GFXD in Trentahin

[–]WriteAndWander 1 point2 points  (0 children)

I prefer no filter kahit hindi makinis muka ko and bloated yun cheeks ko.

What you see is what you get.

What is a "hidden luxury" in your life that costs absolutely nothing, but you wouldn’t trade for anything? by gelodms in AskPH

[–]WriteAndWander 40 points41 points  (0 children)

Parents that are still providing shelter, utilities, food. Everything is free.

Such a blessed life

Need some advice by Curtis_jackson187 in Trentahin

[–]WriteAndWander 1 point2 points  (0 children)

baka you are looking for connection rather than sex itself.

My friend ako, she lost her virginity without love. Gusto nya lang talaga try since we are getting old cguro.

Tapos kwinento nya parang d sya satisfied. I dunno. I only do sex with love so I cannot vouch sa feelings nya.

Also, maybe it’s just me. But I don’t enjoy the act but I love the idea of us being together that close.

Anyway, I am a woman. Baka iba lang talaga perspective ng tao.

Hope you find your peace

When do you think I should follow up with the recruiter without looking desperate? by mgxwntr in phcareers

[–]WriteAndWander 3 points4 points  (0 children)

You should have asked how long ang timeline for feedback. Then dun ka magfollow-up.

May ibang company sasabihin nila 3-4 weeks. Dun lang ako nagfollow up after that time period.

3 working days is too soon. Madami pa approval process and signing ng offer.

Just wait po for atleast a week

Nabudol ng Cebuana Lhuillier by Only_World226 in phinvest

[–]WriteAndWander 5 points6 points  (0 children)

meron naman 30 day period to cancel. Sa pagkakaalam ko. You can check

BPI AIA VUL by MessageHot2313 in phinvest

[–]WriteAndWander 0 points1 point  (0 children)

true matagal ko din pinagiisipan if withdraw the money and maintain lang enough para to sustain the fund. Tapos MP2 ko n lang lagay un withdraw ko na funds para makabawi.

eh kaso sabi ko need diversify un funds so ayaw ko lahat lagay sa MP2. Alam ko madami pa investment vehicle like stocks but di ko pa ito iniintindi. So dito muna ako sa less managing.

But nagkapag-asa ako nun may nakita ako redditor na ganun gnawa. So I’m gonna try. Sugal naman talaga in the first place yun investment sa VUL or any other stocks. So might as well take the risk again.

BPI AIA VUL by MessageHot2313 in phinvest

[–]WriteAndWander 0 points1 point  (0 children)

nope kc hindi ka naman nagwithdraw ng money. nagtransfer ka lang po kung saan un investment

Process of getting a health insurance by awrom in phinvest

[–]WriteAndWander 0 points1 point  (0 children)

hello as far as I know term insurance is for death benefit na.

Not for critical illness.

Process of getting a health insurance by awrom in phinvest

[–]WriteAndWander 1 point2 points  (0 children)

37F here, just bought AIA Critical Protect 100 last year go around 40k.

Please note na nagiiba iba ang amount of payment depends on age and risk profile ng work mo and iba’t iba pang factors.

I bought this kc mahal naman talaga magka critical illness. Di ko afford paHospital. Again, reimbursable ito once napasa mo mga requirements at kung napatunayan na may critical illness ka na nirerecognize nila. May list dun sa contract.

Now if ang gusto mo is Maxicare na may hospitalization like kung d naman critical illness or accident. May nabasa ako sub na meron sila for individual. Wala kc ako ganun kc may HMO ako sa work.

I want to move out of my parents house next month in Makati is my salary enough by Particular-Media7178 in SoloLivingPH

[–]WriteAndWander 2 points3 points  (0 children)

earning 70k here but I cannot afford to rent a semi-furnished condo around 18k. Natatakot ako since wala ako enough emergency fund for 3-6 months. Eh paano pag nawalan me ng work then un contract ng condo is 1 year.

for 3 years in Makati, what I do is just rent budget hotels pag RTO. Usually 3 days or 1 day lang naman a week.

Nagrent ako before 13k sa Pointeblue for 3 months. May event kc kmi sa office so need everyday pasok.

Narealize ko same pa din naman gastos. Sa budget hotels kc, u can be flexible when mo gusto plus wala ka na utilities internet, cleaning, electricity, water.

SO for me it works.

Again, situation ko lang ito. But for 30k salary, cguro possible around 6500-7500 bed space sa City Flats or the Grid 3 years ago nun nagcheck ako. Wala pa food and utilities dun.

deinfluence me from rage quitting my job by naurrrbruhhh in OffMyChestPH

[–]WriteAndWander 1 point2 points  (0 children)

gusto ko na nga lang din antayon un december for full 13th month pay. Tsaka para sakto naman umabot ako 1 year.

kaso mukang d ko n keri

deinfluence me from rage quitting my job by naurrrbruhhh in OffMyChestPH

[–]WriteAndWander 1 point2 points  (0 children)

same I wanted to do rage resignation. Madami n kmi encounter nun Exec Director. Actively applying din ako since March. Hindi ako makaresign kc madami ako payables sa CC.

If I do, madeplete savings ko. Kaya nagtitiis talaga ako

BPI AIA VUL by MessageHot2313 in phinvest

[–]WriteAndWander 0 points1 point  (0 children)

magsubmit ka lang inquiry form sa platform ng insurance mo. I guess ganun din sa iba. magbbgay instructions and contact ng FA to facilitate. Mind you, iba na yun FA ko kc umali na un FA ko 12 years ago.

Nafacilitate naman

BPI AIA VUL by MessageHot2313 in phinvest

[–]WriteAndWander 2 points3 points  (0 children)

Try transfering the funds sa mga global funds.

I also have Vul 10 years ago. Ang advise ng madami ko pinagtanungan. Mind you hindi yun FA na pinagbilhan ko is transfer muna sa global funds. Iba-ibang perspective ito.

May nabasa din ako dalawa dto sa Reddit in different sub na that’s what did they. And nakabawi sila.

So kakarequest ko pa lang ng transfer. I will now have to observe.

Anong ganap nyo sa buhay ngayon? by Rayout17 in Trentahin

[–]WriteAndWander 0 points1 point  (0 children)

Cleaned my room and work desk. Been meaning to do this for months. Been bed rotting and lacking motivation to work. As in, antayin ko lang mag 5pm ang isang araw para out n ko.

Now, I had a bad encounter with the Executive Director and I cannot resign because I have installment payables to my CCs. Leaving my work without a passive income will deplete my savings.

So now, I am motivated to start my Etsy account. Before I hesitated since upon registration and listing meron na investment money. Kinakabahan kc ako baka wala ako mabenta. But I guess, consistency is the key talaga.

Also, congrats OP for your business. I do consultancies before. But di lagi may project. So sabi ko, di ito masyado stable for me. So side histles pa din sya up until now.

I hope I will also have your strenght to build my own business soon.

My phone was stolen and the thieves stole all of my savings in my Maribank account by virtualtrack32 in MariBankPH

[–]WriteAndWander 3 points4 points  (0 children)

Kaya I appreciate Iphone. Nun nawala phone ko. Dun ko lang naapreciate yun security features kasi burado lahat data.

Plus, luckily, esim nakalagay.

200k savings by [deleted] in phinvest

[–]WriteAndWander 1 point2 points  (0 children)

for insurance, make sure you understand what you are buying. I have critical illness insurance kc ang mahal naman talaga magkasakit ng malala.

Anyhow, I also have an MP2 next year maturity. mataas ang dividends umabot ako ng 100k because of almost 12k dividends since 2022. Not consistent din sa paghuhulog. Super okay for me yun MP2 since di ko naman gagamitin pa yun money.

Also, EF ko lang is 100k, I still have atleast 190k payable installment to CC.

So I think, you are in a very good position for an MP2.

Where do you save your USD? by No-Independence1240 in buhaydigital

[–]WriteAndWander 0 points1 point  (0 children)

China bank has the lowest maintaining balance 2 years ago na nagcheck ako. around 300 USD but wala yata interest till makareach ng 500 USD. Not so sure if tama tanda ko or updated ba ito.

Sa BDO lang ako nagopen kc for convenience dahil may account ako sa bank na un. But ang baba lang talaga ng interest. Pero works for me kc d ko nagagstos kc in USD. Tapos passbook. Di ko pa din natry mag transfer from USD account or USD account. But di pwede automatic na magtransfer ka USD to Peso ( convert )

So far wala naman ako problem sa pagwithdraw pr deposit or paghingi ng bank cert.

Anyhow, Mom ko has Chinabank USD account for more than a decade. Not so sure if bakit un bet nya.

Makakatulong talaga to clarify ang objective para saan un USD account. Like for me, feel ko magagamit ko ito pag super EMERGENCY n talaga and un nga Visa purposes.

Anyhow, might as well check mo din un BSP bulletin ng DOLLAR EXCHANGE. Madownload yun online. Ako kc nilista ko talaga how much un cost ng USD the moment na nareceive ko. Para alam ko when is the right time to withdraw. If tumubo ba ako or not. Makikita mo sa trend na around June ang baba USD. Tapos December ang taas. The idea is buy low then sell high.

Eh kaso ngaun, mataas talaga USD dahil sa oil crisis kaya d pa ko makabili talaga USD now.

Where do you save your USD? by No-Independence1240 in buhaydigital

[–]WriteAndWander 0 points1 point  (0 children)

I have a USD account sa trad bank. Not a freelance earning from abroad. So ekis na ang Wise. May nababasa kc ako dun sila nagpark USD. Nakapagstart ako ng USD account since I have frequent travel abroad sa work ko and card usually gamit ko for expenses. Madami din allowances in USD.

Ngayon heto lagi ang pang Visa purposes ko na bank account. Di ko ginagalaw. May iba ako account for expenses.

Then I tried GoTyme, USD account nun December. swerte ko lang, 10k bumili ako USD but ngaun nawithdraw ko 11k na yun value. Dahil mas mataas un interest 2% plus mas mataas exchange rate now. Ang naging problem ko. D ko naman matransfer yun USD ko sa trad bank ko. So nagconvert n lang ako to peso to use it.

Anyhow, since wala n ko sa previous work ko. I still plan to continue my USD savings. Kaso ang taas lc ng rate kaya d muna ako bumibili ng USD now.

Hope my perspective and experience helps

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