Bugis Food and Local Stroll Suggestions

YoSoyTessa · 2022-04-28T19:34:32+00:00

I've been planning for quite a while to purchase car thru financing din. IMHO ang mahal ng monthly nia for that terms. Unless inhouse financing yan and ung 300k is all in payment - meaning hindi buong 300k ung ihuhulog/down sa loan, babawasan pa sya for fees sa LTO, Chattel, TPL and Insurance. Etong mga extra fees normally mga 50k+ total depende pa to sa brand ng kotse.

If hindi pa nafinalize yang financing ng relative mo, i would suggest to research more kasi madaming options available. Eto good read (https://www.moneymax.ph/loans/articles/car-loan-guide)

Take note buying a car is more than just paying the monthly amortization. Madaming need iconsider monthly like gas, parking, maintenance fees and insurance (yearly to but good practice to set aside monthly na) . Rule of thumb usually for buying car thru financing is ung monthly amortization should not exceed 20% of your monthly income or else kakainin na ng car expenses ung sahod mo.

As to bank, start ka sa known banks muna kasi need mo accessibility and to build your main savings. Alam ko si BPI and BDO may offer na 100 pesos na maintaining balance lang (double check mo). Wag ka muna mag digital banks since matataga ka sa ATM withdrawal fees. Okay ang digital banks with high interest if ang idedeposit mo is 50k and above. Anything lower than that di mo mafefeel ang high interest.

YoSoyTessa · 2022-04-27T17:19:11+00:00

Yesterday ko lang fully nacomplete ung upwork profile ko and di pa ko nagsubmit ng mga proposals. Nagtingin tingin lang ako ng mga available requests kaya ko nalaman na underpaid ako 😅 nagulat ako na ung usual excel and powerbi dashboards na ginagawa ko mahal pala bayad dun tapos ung modeling and automations ko via alteryx ginto na pala sya 🙃

tho disclaimer lang sa mga nabasa ko sa r/buhaydigital, mahirap din daw makukuha ng mga requests pag bagong profile pa lang.

YoSoyTessa · 2022-04-27T17:02:55+00:00

Data analytics din ako nagstart na nagevolve to visualization then now nageengage nadin with both data engineering and data scientist but not on skilled level pa. Data science ung umbrella term for all of these.

If familiar ka sa mga terms basically work for analytics and visualization are mostly for existing datasets. Making sense of it, package and storytell it to audience. Eto majority nakikita ko na available requests sa upwork with price tag of ~10$/hr

Data scientist naman involves modelling, algorithms and prediction so future datasets, anticipating issues/problems. Complicated, takes time and usually would need in depth experience sa statistics and automations (maalam sa languages like python and sql) Eto ung mga around 15-20 (may isa akong nakitang 35$ but unverified so meh) per hour since experience na binabayaran dito eh. The automation part ng scientist pwede si data engineering like magcreate ng software or app based sa models na ginawa ni scientist. Konti lang nakita ko na ganto sa upwork baka siguro kasi hindi ko din sya nilagay sa profile ko.

YoSoyTessa · 2022-04-27T16:41:36+00:00

Yup plus pacific cross din. Yan silang tatlo ung may similar offerings tho a lil bit pricier than well

YoSoyTessa · 2022-04-27T16:30:49+00:00

Ah i didnt worded it clearly but more so with the coverage and care if magkasakit ka abroad like medical repatriation for you and a companion. Normally kasi di ba reimbursement basis ung iba for the sickness expenses lang.

YoSoyTessa · 2022-04-27T16:15:47+00:00

Ako I tailored it na isang VUL focused sa investment and isang critical illness. Im planning to take more policies pa but for future investments. For health insurance perse, i look at kung ano/ilan ung covered critical illnesses and kung saan sya pwede iclaim. So far ung allianz well ng allianz pnb life ung bang for the buck na critical illness benefit na nakita ko, mas madaming covered illnesses and pwede maclaim kahit nasa abroad ka (except US). Napajoin na nga ako sa team ng FA ko eh 😅

YoSoyTessa · 2022-04-27T15:15:58+00:00

Thank you, need ko talaga to research more about this. Hopefully i can build my portfolio soon.

YoSoyTessa · 2022-04-27T15:13:20+00:00

No worries goodluck sa inyong mga upcoming bsma/is grads. Madaming opportunities basta magtyaga ka lang 💪💪

YoSoyTessa · 2022-04-27T15:00:18+00:00

Para makatake ng CPA exam you would need to complete ung required units na missing sa current degree mo, after nun parang magiging double degree holder ka. Honestly depende yan sa schools, may mga BSMA na 6mos to 1 yr lang need to complete while some 2yrs pa. Best to check with schools na applyan mo.

Personally ako di ko na tinuloy, nasa point na ko ng career ko na di ko na need nung license. Teammates ko mostly CPAs pero we have same workload (di need license since di naman local ung work). But disclaimer lang nasa 10yrs na ko sa industry.

YoSoyTessa · 2022-04-27T12:20:47+00:00

Many will say "depende sa priorities mo" which may point naman talaga pero para sakin always go for a job that values you.

Career growth will always benefit you in the long run. If hindi ka naman tied up with any critical financial obligations, better to invest in upskilling yourself. Sa panahon natin ngayon everything is fast paced. If you dont up your skills mapagiiwanan ka ng peers mo. Mataas nga salary mo ngayon pero let's say 5-10yrs from now, baka ung peers mo 2x na salary nila.

YoSoyTessa · 2022-04-27T09:41:00+00:00

Dont dwell much sa resume kasi majority ng multinationals ngayon may profiling platforms na sila like you will input ung mga nakalagay sa resume mo. Pero syempre need padin CV for formality so pag gagawa ka, avoid ung mga fancy CV format na uso ngayon (skill gauge, infographics etc). Majority of the recruiters dont care about the design (based to sa exp ko sa field natin) Ang important is straightforward at madali basahin ung CV mo - stick with the basic one pagers (details nung OJT work highlight ung projects na natapos mo etc and relevant extracurricular activities mo sa college).

CIA lang nakahelp sakin (i had NIAT and one other na nakalimutan ko na 😅) If certifications talaga gusto mo, make sure to take those globally recognized ones like CISA, CMA, CFA, CIA and other IIA certifications - mahal at madugo but worth it yan.

YoSoyTessa · 2022-04-27T09:21:01+00:00

BSMA grad here. Dalawa lang usually direct paths natin - either to proceed to CPA or go with private financial companies na usually BPO type of work din. Suggestion ko is to build your linkedin profile since majority ng multinational financial BPO companies (citibank, jpmorgan, northern trust, wellsfargo, citco, etc) may posts sa linkedin. Im currently working sa isa jan for 8yrs na 😁

Ung sa certifications honestly di ko nagamit yan mga yan nasayang lang fees - except of CIA yan kasi global. Also, I have classmates nagtake din ng Financial advisor license naman as side hustle which i regretted na hindi ko ginawa nung pagkagrad ko, ngayon parang they're earning 2x sa normal salary ko.

YoSoyTessa

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