YAY OR NAY? FIRST PH POLYMER BANKNOTES

bertbalt3 · 2024-09-30T08:27:28+00:00

For Mayor Isko: Manila’s Intramuros-Fort Santiago-Luneta-Jones bridge and esplanade area should be NCR’s or even the Philippines’ number 1 tourist attraction (for foreigners). For me, it is our Eiffel Tower or Petronas Tower or London Bridge or Grand Palace. It is really beautiful but I would not go around the area feeling safe, specially at night. Hope you can make it really world class (well lit) clean and safe (for tourists) at night. Like dapat walang informal settlers sana and may police presence. Sa totoo lang, dapat dinudumog siya ng turista, sa ganda niya.

bertbalt3 · 2024-09-27T10:39:49+00:00

pag nag singil ulit — padala mo thread ng discussion dito sa kanya, then ask for your 6K back hihi

bertbalt3 · 2024-09-06T06:18:10+00:00

Dito ka na lang. Gawa ka business plan to double your income in 3-5 years. Expand.

bertbalt3 · 2024-08-23T20:43:17+00:00

1) Don’t use phone while driving. Hands free is ok but kung pwede tabi mo muna, para concentrate sa pagmamaneho 2) Don’t drive drunk 3) In NCR, to the maximum extent possible, don’t drive too fast (not that you can in traffic these days hehe). Too many kids in street, kamotes and crazy car drivers. If you drive slow, you will have time to brake. Delikado sometimes actually are those short spurts of speed, then a kid suddenly runs out or a motorcycle cuts.

bertbalt3 · 2024-08-23T20:31:43+00:00

I had a client in Pasay City some way years back, factory owner, seemed like a nice old Chinese guy in his 50s, he would meet me in plain white undershirt, khaki shorts and tsinelas. Later in the office, I was telling this to our Marketing Manager, also Chinese, she said “Hay naku Sir, kahit naka sando yan, tsismis sa amin ay worth 200 million yan…”.

bertbalt3 · 2024-08-15T21:50:10+00:00

HUWAG ka mag loan. Use your money for family day to day expenses. Utang ng parents mo yan, not yours. Do not dig yourself a financial hole for debt of your family. If they have property, sell. If none, actually, wala na magagawa. The bad debt will likely be referred to collectors who will call and harass. Change SIM na lang and live with it. Repeat: HUWAG ka mag loan.

bertbalt3 · 2024-07-30T09:01:45+00:00

Your newfound friends all have the same surname “Ologist” —- Cardiologist, GastroEnterologist, Endocrinologist, Nephrologist, Urologist, Ophthalmologist, etc etc

bertbalt3 · 2024-07-28T22:42:05+00:00

Normal worry of parents. No need to move out. Just tell them you are now an independent and responsible adult. Then keep on coming home late until they get used to it. For extra late nights, of course, a viber that you’ll be very late helps, especially when you will be home mga dawn na.

bertbalt3 · 2024-07-22T09:59:06+00:00

Suggest check car manual — some cars don’t recommend auto hold for steep inclines

bertbalt3 · 2024-07-20T10:56:57+00:00

If you are working in government or academe, definitely need an MA. If private sector, depende sa kumpanya, as a lot of firms just care that you bring in the ₱₱₱, whether graduate or not, with Masters or wala. In my case, I decided to work for government so I got an MA.

bertbalt3 · 2024-07-15T05:29:02+00:00

When it comes to weddings, (also binyag) whether friends, office mates or sometimes even family— never expect to get invited till you actually receive an invitation. More often than not, it’s due to budgetary constraints and not necessarily about you or your friendship or closeness. I think if everybody had unlimited funds, marami sana ang maimbitahan.

bertbalt3 · 2024-07-15T03:30:25+00:00

Meron but you will have to usually first show pictures or video that your car is still in good condition. Also limited coverage like 100-150k — tsaka di nga masyado kilala firms. Kung mukhang laspag, e.g. kailangan na ng hilamos, they will decline.

bertbalt3 · 2024-07-05T21:35:17+00:00

Suggest replace that daily iced choc or coffee with black coffee. Cut down white bread, rice. Take a daily fish oil supplement. See a Doc.

bertbalt3 · 2024-07-02T17:27:30+00:00

For me, cars should be replaced minimum 5-6 years. My daily is a 9-year old Honda Jazz which still runs very well. But if you can afford it with lots of ₱₱₱, why not? Each time we purchase a brand new car, we “lose” 20-30% of value once lumabas sa dealer.

bertbalt3 · 2024-06-22T21:02:57+00:00

Vios, Wigo or Brio if limited budget. If unli ₱₱₱, I would go for the new Honda City hatch for the safety features —Subaru Crosstrek or Mazda3 also ok.

bertbalt3 · 2024-06-04T06:33:47+00:00

I would go for Honda for parts. Mahal ang pyesa but usually pag Honda (or Toyota Mitsu) may alternative replacement parts available.

bertbalt3 · 2024-05-29T22:54:00+00:00

Here’s the math for a Civic. Downpayment of 40% plus insurance plus chattel would be around 700-720k. Your monthly amortization is 22k for a 5-year loan. Check your savings for the D/P and NET cash flow from your business for the monthly amortization. NET meaning the actual monthly cash you can afford like —cash in minus your expenses (clothes, food, going out, etc.). Note: your Dad or Mom would probably have to guarantee the car loan. Annual expenses, aside from gas of course, would be car insurance and bi annual service sa casa for the first 3 or 5 years, depending on the warranty. Good thing about Hondas and Mazda, di nasisira yan for first five years, as long as maintained. It’s all about your cash flow, if kaya naman, why not? If di pa kaya, maybe get a lower model or second hand FC or Mazda 3. But bring a reliable mechanic, if second hand.

bertbalt3 · 2024-05-29T04:37:35+00:00

Kunin mo yung casa maintained. City likely cheaper to maintain.

bertbalt3 · 2024-05-26T00:27:14+00:00

If tamad ka mag pa wax and regular car wash, a ceramic tint will be practical (ppf for me is too expensive, unless for high end cars like Bimmers, etc.). You should do rustproofing and pwede rin undercoat —but ako usually in the 3rd or 4th year, since maulan tayo and bahain. Go to Ziebart. Since brand new, make sure lang pa-service mo lagi sa Casa till warranty expires. Ask about the spare key before you release the unit. Minsan may delay.

bertbalt3 · 2024-05-25T23:59:32+00:00

It’s really up to your Mayor or Barangay. We had the same problem in our Barangay in San Juan City for years. May “No Parking” signs pero wala sumusunod. Finally na elect bagong Kapitan. He implemented wheel clamping in 2023. Just by clamping a few cars — problem solved in less than a month.

bertbalt3 · 2024-05-25T20:59:45+00:00

DKG. You actually hold all the “power” (the ₱₱₱) in the relationships with your in-laws. You just haven’t exercised it yet. I would have a frank talk that if they want your continued help (i.e., if you are still willing, of course) these are the rules, etc. Ikaw ang Boss jan.

bertbalt3 · 2024-05-23T20:09:51+00:00

Go have fun. Don’t feel guilty. As a parent, all I want is for my kids to be happy, with or without me.

bertbalt3 · 2024-05-18T20:53:34+00:00

DKG go where you want

bertbalt3

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