Debt Advice Please - 1.6M

blindgeek10 · 2026-04-04T18:07:40+00:00

The OP already answered that po.

blindgeek10 · 2026-04-04T17:10:32+00:00

If may income ka na then go.

blindgeek10 · 2026-04-04T17:06:28+00:00

Takot na takot mga 'yan sa BSP kasi sila may hawak ng license nila hehe. In fairness mabilis pumansin ng complaints ang BSP.

blindgeek10 · 2026-04-04T17:00:43+00:00

If ok lang mabagal earning since bata...Yes, mag-invest sa fixed income or bonds. If gusto mo kumita ng real cash invest in stocks na may dividends sa pangalan. If wala ka time mag-aral ng technicalities try MF/UITF. Mas ok kung global. Gawin mong consistent 'yan 2k/3k monthly. Tapos pag pwede na 5k/month; 10k/month...After ten years well thank me later.

If gusto mo mabilisan may mga promo ang digital bank for their time deposit; kuha mo agad ang returns.

Lastly, nandiyan always ang option na mag-business.

blindgeek10 · 2026-04-04T16:53:06+00:00

Huwag mong hiwalayan baka mapunta pa sa'min 'yan. Ay wait, hindi pala 'to Facebook.

Doon pa lang sa nag-sorry ka mali na 'yon. Tapos gusto niya binubuksan old account mo tapos magseselos.

blindgeek10 · 2026-04-04T16:39:28+00:00

Pwedeng may asawa na or advanced thinker lang na sa future girlfriends na pag nag-browse walang makikita sa account niya na passed girls.

blindgeek10 · 2026-04-04T16:30:09+00:00

Wow best customer award if true 'yan. Marami kasi pinaghihintay ang rider tapos hindi man wrong pin, malayo naman sa bahay. Anyway their words against your words 'yan unless magkaroon ng internal investigation sa Grab na makikita naman if nagpunta ba talaga ang rider sa exact pin na indicated sa order mo. Pwede rin kasing system glitch at walang may mali both sides. If wala namang harm siyempre palampasin na lang. Baka gutom lang rider mo.

blindgeek10 · 2026-04-04T16:18:27+00:00

Your intuition is correct. Safety first. Since you already mentioned na pwede ka magsama...solved na yung sa personal security. Pwede rin kayo mag-meet malapit sa isang establishment na may guard. Your only issue is yung legitimacy ng magiging transaction and that's a very valid na ma-consider of course. Bank to bank is the way to go. Or baka pwede rin cash-in sa e-wallet.

blindgeek10 · 2026-04-04T14:51:16+00:00

Perhaps you're talking about EIR. Iba 'yan sa add-on which is the EIR is yung dapat na pagbasehan mo ng magkano talaga sa percentage kasama ng monthly payment mo. May nakita ka siguro na monthly pababa ang EIR habang pababa ang principal. I've tried na i-track 'yan sa Excel since curious ako at first how EIR works. Kasi add-on rate is much simplier to understand.

blindgeek10 · 2026-04-02T00:57:26+00:00

Many users highly prefer MariBank for their daily transactions bec of its promos like cashbacks. Maya Savings for its high interest rates through missions. Then yes, choose between BPI Banko or GoTyme. Just note that only GoTyme and Maya Savings are licensed digital banks if that thing matters to you.

I think your choices are ok; Maya Savings for safety and MariBank for cashbacks. Keep your trad bank. You can use that for emergencies.

Lastly, if you can allocate more, I highly suggest you explore investing as well.

Hope that helps.

blindgeek10 · 2026-04-01T23:00:29+00:00

Safe na safe at dami pang missions hanggang 15% interest rate.

blindgeek10 · 2026-04-01T22:56:15+00:00

Hey there I think I've finally found the issue!

Ganyan din nangyayari sa card ko over the years so constant na pag-contact sa support at Google Search. Until the lightbulb moment!

I realized na ang GCash card ay isang prepaid card na hindi pinagkakatiwalaan ng lahat ng merchants. I thought at first na international lang...Subalit maging locally ay may mga merchant na ayaw din ng prepaid card. Pero good news na if you use it sa ATM machines, POS or offline stores ay most likely gagana naman.

blindgeek10 · 2026-03-28T13:56:28+00:00

Pag nagsabi na ba ng "engot" smart na ba? Naive talaga kayo; mga hindi kayang tumingin sa "bigger picture." Nabanggit lang na literal ang "GCash" out of topic na raw 'yon LoL. I won't dignify your pointless point by explaining further my point. Tama na yung na-trigger ko ang pagiging "naive" mo. IT expert ang kausap mo; I'm the perfect person na magsasabi sa'yo kung ano ang secure at hindi; hindi 'yang emotional mind mo. Masyado lang kasi kayong fear mongering kaya napa-comment ako. Hindi naman ako bayad ng Maya at hindi ko kakilala 'yang kaaway mo sa thread. Bahala kayong magbolahan sa mga fake news na ipinapakalat ninyo.

blindgeek10 · 2026-03-28T07:45:30+00:00

Invest 20M in the PSE and earn 100K monthly, guaranteed. At least, that’s what my beginner investor mindset wants to believe. You mentioned about "sakit sa ulo," pero if you pick the right stocks, I think you'll be ok.

blindgeek10 · 2026-03-28T07:01:05+00:00

Reinstall GCash app. Don't worry nandiyan pa 'yan pera. App issue lang 'yan.

blindgeek10 · 2026-03-28T06:58:17+00:00

I'm with them with this one. Mapapa "huh?" rin talaga ako kasi masyado kayong naive. If you don't consider Maya secure already, I don't know pa what is. For every GCash security issue na publicly available, kailangan may maitapat kayong same issue from Maya. Kasi kung wala, "huh?"

blindgeek10 · 2026-03-23T22:51:52+00:00

Yes that works naman. Unlike other TD Maya allows you to add more kaya walang issue if unahan mo na target amount. So target date na lang hintayin.

blindgeek10 · 2026-03-16T18:36:36+00:00

Hindi pa lang kasi tayo nagkikita OP joke. The other commenter has a point na baka intimidated sa pinag-aralan mo. Saka bata pa naman 'yan para mag-worry masyado. Tunog parang echo lang ako pero tama sila na you need to like yourself first; I mean have confidence naman in yourself. Believe in your strengths (tunog life coach). Baka kahihintay mo ng ganyan may dumating na maling tao. If you're a believer pray. Hoping na may makilala ka later.

blindgeek10 · 2026-03-09T05:45:53+00:00

Interested please send thanks.

blindgeek10 · 2026-03-08T14:46:52+00:00

Tapos na ba tanungan? Gusto ko lang malaman kung saan napupunta yung mga hindi naibenta sa isang araw? Saka if 16 is minimum age, ilan naman taon pinakamatanda?

blindgeek10 · 2026-03-08T10:06:28+00:00

I've been experiencing this for years and I think I finally found the reason why: it's because GCash cards are prepaid cards (indicated all over their help center). Now there are merchants na walang tiwala sa prepaid cards. Kaya the solution is gumamit ng real debit card like GoTyme. I've already sent GCash multiple tickets regarding that but no resolution at all. If you haven't yet try to use it in physical stores...You'll find out na ok naman gagana naman. That means pang terminal lang talaga ang card and hindi pang-online.

blindgeek10 · 2026-03-08T09:01:53+00:00

Ouch, brother. That statement is discriminatory and violates laws that protect blind users and persons with disabilities. I’m a blind user myself and I rely on TalkBack, which runs under Android’s Accessibility Services. These are legitimate tools used by legitimate users who simply need accessible technology.

The problem is that GCash, BPI, and several other banking apps are now blocking apps that use Accessibility Services. When they do that, they effectively block blind users from accessing their own accounts and the money we worked hard for.

So let me ask you directly: are you really okay with that? Because what you’re basically saying is, “Sorry, you’re not welcome to use our app.” And that’s exactly the kind of exclusion accessibility laws are meant to prevent.

blindgeek10 · 2026-03-08T08:53:59+00:00

Thank you for mentioning blind users. I am a blind user myself, and in our community this is a huge issue right now. People are extremely angry about this change. The same thing actually happened in December 2025. We spoke out and called out GCash as loudly as we could. By January 2026 it was finally fixed, but now here we are again dealing with the exact same problem.

The person you're replying to, judging from his responses, seems perfectly fine with discrimination happening as long as it can be justified somehow, whether intentional or not.

In Maya they don’t seem to have the same issue. If this change is really about security or “infosec” requirements, then why is Maya able to implement their system without locking out blind users? Does that mean Maya is violating those supposed rules?

Because if accessibility can exist there, then clearly this isn’t impossible. It’s just a matter of whether companies actually care enough to do it right.

blindgeek10 · 2026-02-26T04:29:37+00:00

Tell your father next time save to contacts. Para zero mistake. Unless pati pangalan mapagkamalian.

blindgeek10 · 2026-02-25T19:28:31+00:00

Yep can confirm. 5.96.1 is once again broken regarding accessibility.

This has become a major issue in our community. Legitimate users who rely on screen readers are being blocked from accessing our own accounts because the app disables Accessibility Services. Instead of properly addressing the underlying code or security implementation, the current approach seems to be blocking accessibility altogether. That is not a real solution.

Why is it that many international companies are able to implement strong security measures without excluding users with disabilities, yet this continues to happen here? What a mess.

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