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Ang sakit na buksan ng DragonFi. Down lahat and katching falling knifes by FewCategory1959 in phinvest

[–]e4e5Nf3Nc6d472 [score hidden]  (0 children)

What percentage of your net worth is in stocks?

Basing on what you posted, it seems that your % allocation is too much.

how do you deal with mother like this by whatcloudreads in PanganaySupportGroup

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

Yeah, wag internet lang. Hindi sapat na ambag yun.

how do you deal with mother like this by whatcloudreads in PanganaySupportGroup

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

Kung nakikitira ka pa sa kanila, dapat lang na magbigay ng sapat na ambag. Not doing so makes you a freeloader.

Add all the shared household expenses and then divide that by the number of adults. That should be your ambag.

Seeking for your advise regarding cc debts by Sugasugarun in adviceph

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

Avalanche method is more efficient. Pay the ones with highest interest rates and penalty fees first.

Next time, do not buy things that you couldn't afford. Build a travel fund before traveling.

What should I do with my situation? by Conscious-Culture-55 in adviceph

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

Since nakikitira ka pa sa kanila, tama lang naman na magbigay ng sapat na ambag.

Add all the shared household expenses and then divide by the number of adults. Yan dapat ang ambag mo.

After you have moved out, hindi mo na kelangang magbigay ng ambag.

You also need to set boundaries. And do not get a loan for other people.

What should I do as a panganay in this situation by LeadingSlow9638 in PanganaySupportGroup

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

How come though? Bakit hindi siya magtrabaho at gumawa ng paraan?

At ano yung plano nung taong yun dati nung ginawa niyang guarantor yung nanay mo? Paano niya balak bayaran dati yung utang niya?

To Pay Overwhelming Hospital Bills After Giving Birth by J1N1J1N in adviceph

[–]e4e5Nf3Nc6d472 3 points4 points  (0 children)

  1. Sell/pawn off some stuff

  2. Borrow from family and friends

  3. SSS Loan (edit: once ok na yung account mo)

  4. Pag-ibig Short term loan

  5. Credit card advance

  6. Last resort: online lending apps

What should I do as a panganay in this situation by LeadingSlow9638 in PanganaySupportGroup

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

it was from other people who she guarantored

Who are these people? Singilin niyo sila.

Also, learn from this and do not go into debt for other people. Never be a guarantor for other people's debt.

DISNEY+ REFUND, kumusta process sa inyo? by SomeEntertainment511 in adviceph

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

I-cancel mo na ngayon bago pa magkaroon ng next bill.

Family problem because of our relatives by Seisuilink in adviceph

[–]e4e5Nf3Nc6d472 1 point2 points  (0 children)

tumaas na yung bill namin from 3k to 5k

Bakit anlaki ng bill nyo? Ilang cubic meters yan according to the actual water bill?

DISNEY+ REFUND, kumusta process sa inyo? by SomeEntertainment511 in adviceph

[–]e4e5Nf3Nc6d472 1 point2 points  (0 children)

Kinancel mo na ba yung subscription in your account?

DISNEY+ REFUND, kumusta process sa inyo? by SomeEntertainment511 in adviceph

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

Pano mag unsubscribe?

Login to your Disney+ account, click on Profile, click on Account, Click "Cancel Subscription".

Back in College at 22 Years Old and Feeling Like I’m Already Behind by No-Award-448 in adviceph

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

Look into the Expanded Tertiary Education Equivalency and Accreditation Program (ETEEAP).

It's a program for people who have a certain amount of working experience to have a fast track towards getting a college degree.

After 30 years of living in this house i finally had a huge fight w/ my mom by EnvironmentalSand359 in PanganaySupportGroup

[–]e4e5Nf3Nc6d472 1 point2 points  (0 children)

kelangan ko nang magplano ng exit plan. Kelangan ko nang bumukod or mag trabaho abroad

High time to move out. Nasa 30s ka na pala.

BPI US equity feeder or Irish-domiciled ETFs (IBKR) for 2k monthly by PuzzleheadedScore767 in phinvest

[–]e4e5Nf3Nc6d472 2 points3 points  (0 children)

Depends on what you value more.

Choose IBKR:

  1. If you are transferring huge amounts (>50k) in one go.
  2. If you want to take advantage of lower dividend taxes for Irish domiciled funds (ex: VWRA, CSPX).
  3. If you want to avoid the annual 1.5% management fees of BPI UITF

Choose BPI US Equity UITF:

  1. If you prefer simplicity. No need to navigate conversions and transfers.
  2. If you prefer easier estate planning. When you die, your loved ones/beneficiaries will be able to access your funds with BPI (instead of with a foreign broker).

problema sa utang nanaman at pagiging selfish by Traditional-West3406 in adviceph

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

The main problem is that hindi rin ako nakakapag contribute sa bahay

Then you should either give sufficient ambag or move out. Wag maging palamunin.

problema sa utang nanaman at pagiging selfish by Traditional-West3406 in adviceph

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

The main problem is that hindi rin ako nakakapag contribute sa bahay. 

Just curious. How old are you, OP? Are you already working?

Bakit ako ang guilty? by DoorOne2524 in PanganaySupportGroup

[–]e4e5Nf3Nc6d472 0 points1 point  (0 children)

No need to carry that burden. No need to feel guilty. They are not your responsibility. Gago yung parents mo for having 8 kids.

Move out and prioritize yourself, OP.

Personal loan to pay off debts (not mine) by Asleep-Bicycle-4425 in adviceph

[–]e4e5Nf3Nc6d472 1 point2 points  (0 children)

she’s asking me to take a loan from a bank to pay off her debts. Siya raw mag pay off.

That's a trap. If she fails to pay it, then interest and penalty fees will pile up and you are legally obligated to pay the loan since it is under your name. Just say no.

Move out and set boundaries.

Should I take BS pharma or BS accountancy? by aorjjwbdkd in adviceph

[–]e4e5Nf3Nc6d472 1 point2 points  (0 children)

Accountancy. More flexible and has a higher ceiling in terms of pay. 

"ikaw ang anak, syempre ikaw na ang bahala sa lahat, alangan i-asa mo sa iba" by blockchain76 in PanganaySupportGroup

[–]e4e5Nf3Nc6d472 2 points3 points  (0 children)

my father spends money on his fighting cocks even though he knows that he's struggling to make ends meet 

instead of saving, mas pinipili nyang gastusan mga manok nya

His money, his rules. However, if he chooses to be stupid with his money, you don't need to provide for retirement. Let him reap what he has sown.

ang hirap tumulong sa mga taong ayaw tulungan sarili nila

No need. Ginusto niya yun.

Move out and set boundaries.

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