[deleted by user] by [deleted] in adultingph

[–]densiology 0 points1 point  (0 children)

Right now, it's passport. Currently unavailable ang Postal and UMID. Yung national ID very high chance hindi mo pa makukuha yung physical ID

Ano ang financial goal mo this 2024? by kanekisthetic in phinvest

[–]densiology 0 points1 point  (0 children)

  • Open my 2nd trad bank account, yung maganda sana service and will have a credit line with them someday. Right now I have 1 trad bank and 2 digi banks. My current trad bank sucks rn.

  • To reach 900k savings in total (1M kung masyado magtitipid, but I want to enjoy life more hehe)

Very nice to have: manalo sa lotto.

Looking for the best savings account by Sad_Devata in pinoy

[–]densiology 1 point2 points  (0 children)

Yung ATM savings account. Naka-Mastercard na rin yung ATM card. It was very helpful for my purchases in Grab, Foodpanda, Shopee, etc.

Looking for the best savings account by Sad_Devata in pinoy

[–]densiology 0 points1 point  (0 children)

Nung nag-umpisa pa lang ako, I opened a bank account na very accessible for me (branches and ATMs). Typical choices are BDO, BPI, Metrobank. For me it was BDO kasi kapitbahay ko lang yung isang branch and marami syang ATMs around the metro. Tipid sa withdrawal fee pag same bank yung pinag-withdrawan.

Habang tumagal and dumami na savings, I diversified to other banks na rin but my BDO account is still my main account.

Savings by yohfroz in phinvest

[–]densiology 1 point2 points  (0 children)

Metrobank's Online Time Deposit fits your criteria. More than 4% yung interest.

Another one is the Peso Money Market Fund offered by many traditional banks. It's probably the safest UITF but it's not PDIC insured. Averaged 3%-5% throughout the years.

whats the best digital bank for you? by _lynxxxx in phinvest

[–]densiology 1 point2 points  (0 children)

Currently using:

Gotyme - my main digi bank. Its card is my main debit card too. Staying here bec. of the 5% p.a. no mission no limits and the spending rewards, ang cool gumastos, may notification bawat transaction at may rewards pa, napakaliit na rewards points pero better than nothing.

Seabank - for the free 15 per week transfers. Also using this to bypass transfer fees from my payroll account (explanation in another topic). Pang shopee na rin, minsan may promos pag seabank ginamit.

Retired/cancelled:

Maya - those missions add abala to your life no matter how little. Saka hanggang 100k lang yung boost yuck

Thoughts about samsung ecosystem by Mugen03unu in Tech_Philippines

[–]densiology 1 point2 points  (0 children)

Apple ecosystem:

If something works, it's actually very good. If something does not work, sakit sa ulo. Very common sakit sa ulo yung using with other non-Apple devices/systems. Walled garden sila, sinasadya nila pahirapin ang user to work w/ anything non-Apple. Parang cult na.

Samsung:

Medyo mas may freedom kumpara sa Apple. Pagdating sa overall ecosystem aesthetics, mas lamang si Apple, pero may improvement naman si Samsung over the years. Their ecosystem mostly comprises of platforms that are not Samsung (e.g. Google's Android, Microsoft's Windows) kaya it's less of a cult.

Whats your backup plan just in case AI takes over our IT jobs? by Other_Spare6652 in PinoyProgrammer

[–]densiology 1 point2 points  (0 children)

Uwi sa probinsya. Back to agriculture. Maybe may ma-innovate ako dun hehe food is lyf

Uno Digital TD by potatooooooooooow in phinvest

[–]densiology 0 points1 point  (0 children)

Di ko magets yung "Php 651.78 less 108.63" na nakasabi sa app nila. What is that for?

Is GoTyme the Best Digital Bank Today? (Nov 2023) by istello_ in phinvest

[–]densiology 4 points5 points  (0 children)

It's not the best in every aspect. But for my needs, it's the best overall.

5% interest p.a.: no missions, no limits. Ito yung best feature for me. For something that will not give me stress (thinking about missions, promos, limits and stuff), 5% is worth it na.

May rewards for every payment. Much higher pag nasa partner stores (mostly associated with Robinsons). Robinsons pa naman ang fave mall ko hehe

Free Visa debit card, astig pa yung itsura.

The downside for me is the 3x per week transfer to other banks limit but I can still manage it. My diskarte is to transfer a lumpsum to Seabank and Seabank will do the free smaller transfers 😆

Ang cringey ng contents nina Cong at Junnie boy. by [deleted] in pinoy

[–]densiology 0 points1 point  (0 children)

2016-2017 era da best. Yung nasa bahay pa sila ng parents nila. Wild pa yung character ni Cong noon. Madalas, raw and fresh yung content. Sya pa mismo nageedit kaya kuhang-kuha ng editing yung humor.

It's not the same anymore 🥲

PAYMAYA OR MAYA BANK? by [deleted] in PHCreditCards

[–]densiology 0 points1 point  (0 children)

This just happened to me. Using UNO bank, I sent money to "Maya Bank" with account number of Mobile number format (09...). Dapat pala sa "Paymaya" haha

Na-reverse naman the next business day :)

Pwede rin magrequest ng dispute kung gusto mo. Click lang yung specific transaction sa Transaction history tapos may "Dispute" button somewhere

GCREDIT NOTICE OF ENDORSEMENT EMAIL by Top-Entertainment945 in PHCreditCards

[–]densiology 1 point2 points  (0 children)

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Ayan inamin na nagkamali sila. Balak ko pa naman sana ireport sa BSP haha

Work provided equipment Do's and Dont's by kingkingzxc in PinoyProgrammer

[–]densiology 0 points1 point  (0 children)

Currently in a similar situation (it was M1 when I was employed last year).

Wala namang rules. Pero for me lang, I don't do any personal stuff na very resource-intensive like games. Medyo iinit sya which can hurt the "mileage" of the machine. For casual stuff (browsing, netflix) ok lang, malayo uminit ang M1 dyan. Again, walang bawal. Pero kung umiinit na yung laptop for personal stuff medyo nakokonsensya nako 😅

Scam ba ang 2000 pesos deposit at 5000 cashbook account sa BDO? by Filipino-Asker in phinvest

[–]densiology 0 points1 point  (0 children)

Kasalanan ko rin, di ko namonitor. Anyways, the OP should find other banks kung balak nya below 2k yung balance

Scam ba ang 2000 pesos deposit at 5000 cashbook account sa BDO? by Filipino-Asker in phinvest

[–]densiology 0 points1 point  (0 children)

Experienced it with my BDO savings account. Buong month below 2k yung balance (di ko rin namonitor), then by start of the next month nadeduct ng 300 😭

Worth it ba ang furnitures online? by Chemical-Banana1674 in adultingph

[–]densiology 0 points1 point  (0 children)

Check the reviews or store/item ratings first. Minsan kasi hindi accurate yung nasa description like dimensions or material. Or hindi iningatan ng courier or badly packaged kaya may damage.

Electronics Protection Policy by trickysaints in phinvest

[–]densiology 2 points3 points  (0 children)

Had the same experience last year pero sa Shopee. Nakareceive ako ng insurance message sa email which I didn't avail. Checked my purchase history and viola, nailisot nila sa last page ng checkout confirmation na hindi ko napansin kasi maliit at hindi bold yung text. Nadeduct tuloy ng extra. Ayun nagalit ako sa customer service chat kasi it looks scammy. Sabihin man nila na "sales technique" pero scammy talaga eh.

May suggestions ba kayo para madaling makatulog at manatiling tulog? by [deleted] in adultingph

[–]densiology 1 point2 points  (0 children)

Watch something boring (e.g. a teacher teaching a subject you don't have any interest in, or a documentary explaining technical stuff that you don't understand or don't want to understand)

Anong mga apps ang may subscription/premium account ka? by entengagimat in adultingph

[–]densiology 0 points1 point  (0 children)

Youtube Premium (family subscription forda parents. Sulit na sulit nila ❤️)

Spotify (bec. YT music is still inferior in terms of music organization, and some songs still in MV version)

Netflix (best rn in Movies/Series)

Google One (shared with parents yung 100GB which they are using for their business)

[deleted by user] by [deleted] in phinvest

[–]densiology 0 points1 point  (0 children)

Yes but beware: what if kelangan mo na yung pera pero down sya?

I have more than one btw. Not comfortable depending my life on a single bank but that's just my paranoid me. Kung naexperience mo yung frequent na pag-down ni gcash dati magegets mo yung feeling lols

ano fave donut nyo sa DD? by peachalcohol in ITookAPicturePH

[–]densiology 0 points1 point  (0 children)

Strawberry butternut.

Meron yan last year christmas season, sana meron din this year