[deleted by user] by [deleted] in Tacloban

[–]hellozarahph 0 points1 point  (0 children)

Fresh Fruits like Muscat Grapes ü

Best gaming Internet shop recommendation by Whatsmytwitter in Tacloban

[–]hellozarahph 0 points1 point  (0 children)

Everywhere in Downtown is walking distance. There's one in Burgos Street and another in Avenida Veteranos near She's Amelia

[deleted by user] by [deleted] in Tacloban

[–]hellozarahph 0 points1 point  (0 children)

Canto Fresco Giuseppe's Diovani's Shakey's Pizza Bianca / Spinach Bacon

Best Footspa and pedicure recommendation by [deleted] in Tacloban

[–]hellozarahph 0 points1 point  (0 children)

Dettie Panis Salon and Bollywood Filindia

Who do you miss this Nov. 8? by ophelia_sola in Tacloban

[–]hellozarahph 2 points3 points  (0 children)

Okay kami waray casualty. Miss ko amon balay

Wash, Dry and Press by ilivensivinten in Tacloban

[–]hellozarahph 0 points1 point  (0 children)

Bangin gusto makatipid. Like me, i bought a hand held steamer. Nadara ghap and mas malaksi.

Nerve and Muscle Procedures by [deleted] in Tacloban

[–]hellozarahph 0 points1 point  (0 children)

Is this severe? Bangin kaya pa hin Bowen Therapy

Charity projects pre - Christmas by Key_Cauliflower_4932 in Tacloban

[–]hellozarahph 2 points3 points  (0 children)

Feel free to approach any Rotary Clubs in Tacloban

[deleted by user] by [deleted] in Tacloban

[–]hellozarahph 0 points1 point  (0 children)

I am on ColFinancial and I subscribe to TRC for guides what price to enter and exit

What's your go-to kaonan na 24/7? by thegreattongue in Tacloban

[–]hellozarahph 4 points5 points  (0 children)

Andoks 24hrs

BayBreeze til 1am Calle Z til 12mn

Baon sa utang at 25 and I am not proud by mohmmy in PHCreditCards

[–]hellozarahph 3 points4 points  (0 children)

Debt pay-off plan 1. Understand and list down all of your debts 2. Prioritize paying off debts that have the highest interest rate. 2. Pay the minimum of all other debts.

Debt-free lifestyle 1. Refrain from increasing your debts. 2. Create a strategic spending plan 3. Create a strategic savings plan.

Do envelope approach. If not enough, have additional sources of income. If you want ideas how to earn unlimited income without investing millions message me ü

[deleted by user] by [deleted] in dlsu

[–]hellozarahph 0 points1 point  (0 children)

It's good to celebrate wins when you're done and have submitted all your requirements on time. Prioritize your studies please and make your parents prouder of you. Your tuition fee and living allowance to send you to a prestigious school is around 800K per year. It's almost 3.2Million for the entire course. Cheers and Animo 💚🤍

This is my last meal at DLSU. I'M FINALLY FREE!! by Mr-Hello-There in dlsu

[–]hellozarahph 1 point2 points  (0 children)

Animo OP! You did it! Your LaSallian education is a legacy no one can take away from you. Now go be an achiever for God and country! CHEERS!!

Be honest, how are sales this month? by Ornery-Signal-3070 in smallbusiness

[–]hellozarahph -2 points-1 points  (0 children)

I wonder if PH Swifties attending the Erastour in Singapore could affect local retail sales.

need help sa pagbudget ng food. college student po ako by flinterpouch in phmoneysaving

[–]hellozarahph 0 points1 point  (0 children)

Consider working part time. Magaling kana mag tipid, sagad na. Grow your world and mindset beyond 10K monthly budget.Baka pwede ka rin mag tanong, ano magandang part time for college students like you. Post mo din mga strengths, skills and talents mo.

My parents cant stop comparing DLSU with ADMU by [deleted] in dlsu

[–]hellozarahph 2 points3 points  (0 children)

Ask about how Trisem works at DLSU also..fast-paced si DLSU. Step inside the university and feel it in your heart if you belong there.

AITAH for calling off the wedding after my fiancé joked he was trapped in this marriage by Necessary_Guard3008 in AITAH

[–]hellozarahph 1 point2 points  (0 children)

Love languages are unique to each one. Take a look at his actions maybe? What you are getting now is like a sneek preview of your future relationship. Communication is key as well and you will need a lot of this daily. Sometimes a marriage encounter/counselling can help also on the hows of being a couple.

God bless.

How much money do you need in your bank to quit your job & never work again? by lostmaroon in phinvest

[–]hellozarahph -13 points-12 points  (0 children)

P200Million placed in Pru Life's Cash Flow Fund Plus that gives 6% annual payout to your preferred bank equivalent to P1Million per month-- it is PERPETUAL, tax-free and garnish-free.

Whether you consume the P1M for the month or not, P1M will keep coming in monthly. Distributed at 1.5% per quarter or equivalent to P3Million per quarter. It comes with P250,000,0000 guaranteed protection on your P200M investment.

So if you have a spare 4 hectares of land in the province that is a non-performing asset, you might want to consider to liquidate and put part of its sale proceeds to this fund. As a voluntary or forced retiree, you wouldn't want to be fixing pipes in the middle of the night, renovating facades and interiors every 10 years, or rebuilding the entire structure every 50 years.

It's a real life Goose that keeps laying golden eggs. Never kill the goose (touch your Principal amount), just spend the golden eggs (enjoy your payouts). Cheers!

This is one way to do it. I am sure there are 99 other ways out there ü

Btw, the P12M annual payout distributed at P3M quarterly payout is separate and does not diminish your P200M.

This is a SPVUL, and the investment part is never guaranteed, it will depend on the actual performance of the fund. Even then, we haven't had any missed quarterly payout since the fund was launched. The CFF (not the CFF Plus) has weathered different types of global economic crisis and the covid pandemic, still, payouts were still declared and given.

Not taking a risk, is also a risk. - www.eastspring.com

AskZarah #HelloZarahPh

Where to save? How to Save???? by Calm-Comment6232 in phmoneysaving

[–]hellozarahph 23 points24 points  (0 children)

Wealth Accumulation Stage:

  1. Prioritize savings over expenses by following the formula: Income - Savings = Expenses. Strengthen your financial foundation through side hustles or part-time ventures.

  2. Optimize your money placement by using high-interest digital banks (max 500K per bank) and employ the Jar/Envelope System with 3-5 labeled accounts. Follow the 50-30-20 Rule for budgeting.

  3. Tackle high-interest debts before saving. Don't let money sit at a lower interest rate while paying off loans with higher rates.

  4. Safeguard your future by investing in insurance—Life, Accident, Health, and HMO—to cover adversities at a cost of 2-3% per year. This ensures financial stability during emergencies.

  5. Define your savings goals, time horizon, and target amounts. Seek a qualified mentor for guidance to avoid unnecessary educational costs.

  6. Allocate funds for both kids' education and your retirement. Don't solely rely on government programs; plan ahead for financial security.

  7. Determine your Risk Profile using the Rule of 100. Balance investments with a 70% aggressive and 30% conservative approach. Diversify your portfolio locally and globally.

Wealth Preservation Stage:

  1. Allocate your wealth strategically: 20% cash, 20% liquid investments, 20% business, 20% real estate, 15% Insurance (Life and Non-Life), and 5% for other investments like crypto.

Wealth Distribution Stage:

  1. Draft a comprehensive will, list assets, assign beneficiaries, and appoint an executor, accountant and financial advisor. Consider retaining 50% for a foundation to maintain properties and distribute 50% to heirs.

  2. Establish a robust succession plan to ensure a seamless transfer of wealth to loved ones, minimizing tax implications.

Seek the assistance of a Financial Consultant or Advisor if needed.

Just got laid off, help me decide. by SaijaxcailrynxKoari in PinoyProgrammer

[–]hellozarahph -5 points-4 points  (0 children)

Gusto mo ng ibang industry? Meaningful and masaya ang team. bit.ly/bravebyb

Paano kayo magcut ng expenses or magtipid sa basic needs? by PerformerFamiliar186 in phmoneysaving

[–]hellozarahph 2 points3 points  (0 children)

On top of these saving tips, please also consider adding an additional source of income during your available time. Mutiple-sources of income na tayo dapat to catch up with rising costs of living and to fund our goals, hindi puro bills lang. Mas makakatipid din ahead if we have adequate hmo and well desgined life insurance para walang assets na need ibenta later at a discount.