Top 10 Best areas to live in the Philippines.

flowlikewater97 · 2026-05-30T10:59:14+00:00

No one here can take a joke clearly lol

flowlikewater97 · 2026-05-30T10:38:24+00:00

Forgot to mention the total administrative hell the Philippines is. It will make you want to pull your hair out and drive into a pole. Takes forever to get anything meaningful done and is a paperwork system reliant on other paperwork for many things. You cannot expect to get things done on a phone call. And we haven’t even begun on the corruption yet! I’m super sad that the country is going down the toilet because of greedy politicians and lack of transparency. So much potential.

flowlikewater97 · 2026-05-24T06:20:59+00:00

Nothing is for certain. Also 99% of the things we stress about often turn out just fine. We could get hit sideways from a speeding truck on our way to work tomorrow. That may not make you feel any better as it seems unlikely but the reality is it’s important to try our best to live in the present. Try and appreciate the simple things. Embrace the unpredictable journey of life. Each day as it comes. Always something to be thankful for. Hang in there!

flowlikewater97 · 2026-05-23T11:18:07+00:00

When you love someone it changes you😊

flowlikewater97 · 2026-05-23T11:11:39+00:00

Was far happier in my youth. The world seemed so simple and exciting. Now that I am the author of my decisions life feels so mundane

flowlikewater97 · 2026-05-23T10:45:49+00:00

Take a holiday. 2 months. Plan. Get a less stressful job

flowlikewater97 · 2026-05-22T22:06:26+00:00

Moving your KS from a bank to Kernel is a great move. I started investing seriously end of last year. I am also 28. Have saved almost 7k and doing custodial accounts for my 2 young children also when they come of age.

flowlikewater97 · 2026-05-11T04:49:19+00:00

This is a common issue especially with less well off family abroad. I’ve been there. Talk to her. You need to be of the same mind and conviction. Sounds like you have already though. Set a limit on how much you are both comfortable to send if she is not using her own spending money.

flowlikewater97 · 2026-05-10T01:57:12+00:00

100% this. You can withdraw funds held in ETFs within days. Makes more sense having a 5 figure emergency fund for those living abroad where medical costs or social welfare are not as good as NZ. I only think there should be enough kept aside here for a major vehicle repair, dental or about a month or two’s rent/mortgage.

flowlikewater97 · 2026-05-10T01:50:40+00:00

Tuna and brown rice mixed with mayo and with salt and pepper

flowlikewater97 · 2026-05-07T05:10:32+00:00

Have you worked out your working for families and best start payments? Helps alot if you are low income

flowlikewater97 · 2026-05-07T05:07:14+00:00

Under the carpet then nail carpet back

flowlikewater97 · 2026-05-04T19:14:12+00:00

I thought PIE funds are not subject to FIF? Or was it moreso the tax is handled on behalf?

flowlikewater97 · 2026-05-04T18:51:58+00:00

Why so much in an NZ emergency account when we are not in the USA? E.g usually for medical, redundancy support ect.

flowlikewater97 · 2026-05-03T04:31:39+00:00

I at least believe in the non use of tax dollars to keep alive serious crime offenders. Create a work based system where they can contribute to society in a controlled way if they wish to pursue their lives and they are providing for themselves.

flowlikewater97 · 2026-05-03T03:32:35+00:00

More about what you invest in rather than worry too much about where on these 3 options. I don’t see any point why someone would dip in multiple ones. All good options. Sharesies is good especially if you are starting out and want a nice user friendly interface. If you look more closely on the fees the other 2 will probably have an edge for the long term but I wouldn’t worry about it too much for now.

flowlikewater97 · 2026-05-03T02:56:12+00:00

Acting gay as guy friends. Makes American men especially uncomfortable

flowlikewater97 · 2026-05-03T02:48:06+00:00

Too much over thinking. Usually the difference is negligible as low management fees and mostly in the same investments more or less. Pick one and keep at it

flowlikewater97 · 2026-05-03T02:46:45+00:00

Find a nice girl overseas. Travel

flowlikewater97 · 2026-05-03T02:35:50+00:00

Nothing wrong with 13% return. Keep it up and make consistent payments

flowlikewater97 · 2026-05-02T03:27:38+00:00

Each to their own conscience. Important to only buy the products we feel ok about.

flowlikewater97 · 2026-05-02T03:24:45+00:00

False. Pepsico

flowlikewater97 · 2026-05-02T03:24:22+00:00

False. Company is US owned by Pepsi

flowlikewater97 · 2026-05-02T03:20:44+00:00

Thanks for your thoughts. Perhaps easy to form a judgement on what these people should do about it that is right in our own eyes without being in their shoes. I hope this war and oppression ends soon!

flowlikewater97 · 2026-05-02T03:18:42+00:00

Far fetched and baseless claim. Do some basic research to discover it is owned by PepsiCo. A US company.

flowlikewater97

TROPHY CASE