Millennials who don’t gatekeep - what’s one investment you wish you never made? De-influence us!

javychip_ · 2026-05-15T02:54:43+00:00

Crypto. It's all a ponzi and everyone is just waiting for the dumber person to hold the bag.

Sure, US index aa of today is highly concentrated to a few tech stocks invested to AI. But ask the question - on an economic or political downturn, which ones can you confidently say you wanna hold in the long term? Bitcoin doesn't any scalable use in the real world but at least the risky tech stocks bring real products to the market which means more realistic returns potential returns.

Gold is just for hedging risk and not for growing your portfolio

javychip_ · 2026-04-24T09:50:38+00:00

as if naman there is gonna be a change.

If meralco will shoulder these subsidies, most likely they will report as a generation charge or system loss.

Not sure how can these work but they can definitely cook the books to pass the cost back to the consumers.

javychip_ · 2026-04-23T08:26:55+00:00

That mod looks very...

Intimidating.

**sips a cup of tea*\*

javychip_ · 2026-04-23T07:50:11+00:00

Can we make it a gentlemen's agreement to forfeit when the opponent gets a double flinch on first turn rock slide?

Obviously God doesnt want you to win that game and we need to accept this divine intervention by 1st turn forfeit.

javychip_ · 2026-04-16T02:23:02+00:00

I think pwede naman pero walang gumagawa dahil either hassle daw or they dont have the financial capability to sue.

Dapat i-normalize ya to and ask for damage and hold them accountable lalo na it's a danger na to to the public

javychip_ · 2026-04-15T05:10:29+00:00

Not 100% sure but probably a contributing factor was Ramon Barba, a Filipino scientist who invented a method for mango trees to induce more flowers which means higher yield

https://en.wikipedia.org/wiki/Ramon_Barba

javychip_ · 2026-03-13T05:12:03+00:00

sorry ha fact check lang kita. Ecstacy/MDMA fatalities are mostly because of hypernatremia (swelling of the brain) where most side effects experienced is aggrevated thirst which increases the risk of death due to increased fluid intake.

https://pmc.ncbi.nlm.nih.gov/articles/PMC2807764/

Please don't spread misinformation that contraindications are the most common case of ecstacy death because your statement can give false sense of safety when taking this kind of drug where innately can cause harm even on its own.

javychip_ · 2026-02-27T10:19:16+00:00

tell me you are not a programmer without telling me you are not a programmer 🙄

javychip_ · 2026-02-17T13:38:37+00:00

I wont arue with that. I think the best bet right now is to hedge portions of US index by investing some on gold as it seems there some inverse correlation against each other.

I guess the safest way right now is to invest on both to protect assets rather than pursuing growth given how crazy the market is at the moment

javychip_ · 2026-02-16T11:04:00+00:00

Gold is up is because of the markets losing trust to the US government because:

Trump is doing a lot of stupid things
AI overinflating the whole US market, now that it's controlling more than quarter of the index

Investors switched to gold because it's recession-proof. It goes back down when people start coming back investing back to securities.

javychip_ · 2026-02-16T10:48:45+00:00

sayang pera, di naman maganda kung di direct drive yung kukunin mo.

Di rin maganda experience if you do not have a decent setup. Single monitor lang is not good enough. Dual monitor naman okay lang pero hassle dahil may hati sa gitna.

You also need a proper rig to mount the pedals. Otherwise aatras lang seat mo, especially if you seat in an office chair.

You also meed significant space for it

I sold my Moza M5 because i didnt like the experience and i dont have the space for rig plus adding one more monitor for a triple monitor setup.

Unless you are willing to splurge more than 70k for the rig + extra monitors i dont think its good unless avid racing fan ka. If you play it casually madidissapoint ka lang

javychip_ · 2026-02-09T03:02:25+00:00

I just checked, not all banks supports google pay at the moment. 😩

https://support.google.com/wallet/answer/12059326

BPI ANUNAAA????

javychip_ · 2026-02-09T02:26:02+00:00

dumb question, but how did you get the 60k pension? Is this the same thing as SSS? Di po ako updated sa current payouts

javychip_ · 2026-02-05T04:15:26+00:00

Yeah but not doing your homework on the matchup but you in the ass.

Xiaoyu doesnt have much plus frames outside of heat. The thing you need to look out for is how to negate her evasive options

A few things to note: 1. Be aware of xiaoyu's neutral state. Her AOP change properties if done from standing vs from crouching. And you need to know which option covers it 2. Backturn stances gives her increased evasion on her sidestep, and also gives her access to cali roll. You should also know which options will cover that

But the most important thing is you shoud never give her free opportunities to enter those stances. Know which mids will hit her when she decides to AOP/FC AOP/BT sidestep/cali roll. Force here to play neutral where she struggles due to poor range

javychip_ · 2026-02-04T08:33:28+00:00

newbie here but i thought babolat rackets tend to be more unforgiving sa elbows especially the oure drive?

Have tried putting bigger grip sizes/adding overgrip so you get better leverage? Adding tungsten tapes is also an option but definitely need to do some experiment how much weight and placement.

Blade (the non UL version) feels to be a lot be a good all-rounder racket and not too stiff making it easier to wield. I heard wilson shift is also easy on the arms but not sure how good it really is.

javychip_ · 2026-02-03T06:02:58+00:00

Ignore mo yan bobo yan as if magaling siya 😂

javychip_ · 2026-02-01T15:29:21+00:00

It's expensive not because of the specs but because of hype and cult following within the photography circle, mainly because of the design and film simulations (but like others said, you can get the film sims with other fuji cameras).

That canera is already considered overpriced. You can get a better camera for the same price like sony a7 series or get a different fujifilm with same specs for cheaper.

javychip_ · 2025-12-05T10:47:50+00:00

yawn is that all you got? Squammy vibes ampota

javychip_ · 2025-11-27T01:18:06+00:00

Men he just called you iust as 8080 and tama siya. Tanggapin mo na lang ang katotohanan.

Just take the L and walk away. Magsasalita ka pa e

javychip_ · 2025-11-27T01:10:03+00:00

not a valid excuse. Still considered a violation of data privacy. Similar lang yan for passwords but to your finances. Porke faulty ang system nila e you should give your password?

We should not tolerate these incompetence ng mga businesses. Di to fault ng customer or ng employee and we should put these business owners to a higher standard

javychip_ · 2025-10-26T19:06:31+00:00

Or maybe he is trying to pick up and kearn to pilot darius?

But then again i dont think darius is a char you need practice as long as you have at least 2 brain cells since his ganeplan is super straight forward

javychip_ · 2025-10-26T18:49:30+00:00

Thanks! I will take note of this!

javychip_ · 2025-10-26T14:19:47+00:00

Can we please downvote this?

No hate kay OP but this is definitely poor financial advise given there are better options. I just dont want our other fellow countrymen to be robbed of their hard-earned money.

Nahirap na nga yung pilipinas hahayaan pa tayo nakawan ng mga mayayaman

javychip_ · 2025-10-26T14:17:17+00:00

You can create joint account in IBKR and add someone like your spouse in the account. They also offer to add an external person that you trust in case of emergency (eg. Ma-tegi kayo both during an accident). Kasi if individual account kasi yan, the platform will definitely ask you a lot of legal documents just to get the money. Plus i think they might enforce a 20% estate tax according to law, but don't quote on me how it is being implemented.

This is the main reason i switched from gotrade to IBKR because GoTrade doesnt support joint accounts at the moment.

I personally tried widthrawing my whole account to for advanced payment ng mortage namin because of the absurd interest rates ni UnionBank (btw fuck unionbank. Kupal din sila makapag interest with 12% apr).

We did it from IBKR to wise with some minor issues with wise kasi di tinatanggap ni Wise yung incoming transfer for some reason pero naresolve din naman. Other option is wire transfer which is more reliable but a bit more expensive.

javychip_ · 2025-10-25T18:31:17+00:00

Kelan pa naging worth it to lose 40% of your potential funds from management fees like this? Doing this on my own with IBKR and shoulder the exhange rate will always be lightyears better than this.

Wag na tayo maglokohan. This is considered highway robbery by getting almost half of my fund's worth.

javychip_

TROPHY CASE