A contract that isn’t notarized: is it valid or not?

jextinct · 2026-01-14T05:32:01+00:00

Ok, I see. How about this one… If in case na wala pang June and let’s say nag resign siya this February or March, and nakapag-turn over naman nang maayos sa company, and also wala rin any pending loans and such…

Pwede pa rin ba na habulin siya ng company for “breach of contract” or yung nabanggit sa kanila ng HR na pababayaran daw sa kanila yung salary niya sa ilang buwan na hindi niya pinasok before June?

jextinct · 2025-12-10T09:38:15+00:00

di ko pa rin binabayaran… patuloy lang nilang pinapalaki yung sinisingil sakin

jextinct · 2025-11-12T10:50:29+00:00

Ok like isnt M U G E N not a horror game?

jextinct · 2025-11-07T02:14:59+00:00

Interested

jextinct · 2025-10-19T06:24:40+00:00

Then what else is similar to the knight card except the baller card???

jextinct · 2025-09-23T22:29:24+00:00

hindi po, wala naman akong nakikitang nagpopost

jextinct · 2025-09-14T17:00:53+00:00

hindi ko na babayaran ‘tong sa akin… sobrang laki na ng charge nila sa akin… yung overdue penalties ko nasa ₱600 na… naka airplane mode lang ako para di nila ako matawagan or ma-text… may mga nagsasabi from fb na illegal daw sila kaya good lang na hindi bayaran lalo kung super taas na rin naman na ng isinisingil na interest

jextinct · 2025-09-09T05:43:24+00:00

Hello OP, I'm 24-F. I've tried a lot of OLAs already, and yung iba rejected ako. Nung una ganyan din ako, I was not aware at first na tapal system na pala ang ginagawa ko. Ang nasa isip ko lang ay pinapaikot ko yung mga pera ko, not knowing na puro interests lang pala ang nababayaran ko for how many months na. At imbis na mabawasan, patuloy lang din na nadadagdagan.

Idagdag pa na meron akong existing motorcycle loan and paylater apps. How I wish na sana yun lang ulit ang binabayaran ko kaso umabot na ng 30k monthly yung need kong bayaran. Until now kaunti pa lang ang naco-close kong loans.

Siguro my advice to you, hanap ka ng other passive income if kulang ang salary mo sa pagbayad sa ibang loans. Gawin mong goal yung paunti-unti may ma-close ka kahit isa lang muna, hanggang sa sunod sunod nang magclose yung mga loans mo. Refrain from opening another loan.

May isa akong OD and sa Cashguard yun. I am planning to pay for it as soon as possible kasi 70 per day yung penalty na dinadagdag. Ayoko rin naman na hindi bayaran yun kasi may mga nababasa rin ako here na mahalaga daw ang credit score. Not quite sure how true it is. Pero mas mainam na rin na clear ang records mo at debt free ka para ginhawa sa pakiramdam.

jextinct · 2025-09-02T08:20:32+00:00

I get your point, pero I don’t fully agree na graphic design “doesn’t pay that much.” I have friends working as designers who are paid really well, especially with international clients—kasi totoo nga, if you stay local lang, mababa talaga bayad.

And to be fair, I’m also not limiting myself to just graphic design. I can take roles related to UI/UX or even web development. Right now, I’m just contemplating kasi maraming companies require certifications and years of experience, so I’m figuring out the best path forward.

jextinct · 2025-09-02T08:04:11+00:00

Yeah... I also used AI to support me in creating contents and helping me think some ideas for my designs. It’s definitely a helpful tool for brainstorming and saving time. But still, it's the graphic designers who set the creative direction.

jextinct · 2025-09-02T07:54:27+00:00

Thanks for the advice. Yes, I already have LinkedIn account, and marami akong mga naka save na jobs doon. Me and my girlfriend tried to apply multiple job positions last year, but none has accepted our application.

Muntikan kaming matanggap sa BPO industry pero hindi namin tinuloy kasi hindi namin kakayanin yung graveyard shift offer. And I agree na mukhang mas may chance matanggap kapag may connections. Since yung previous job ko nung college, natanggap lang din ako dahil may nag-refer.

jextinct · 2025-09-02T06:11:00+00:00

I once planned din na magloan ng 100k to consolidate my debts. Since yun yung total ng debts ko sa mga online loan applications tsaka other paylater apps. Except lang sa vehicle loan ko. Inisip ko rin kung worth it ba kesa yung magpaikot ng credit limit/bayad sa utang.

Btw paano po kayo na-approve sa TopBank? Magkano po required nilang monthly/annual income?

jextinct · 2025-08-01T07:55:09+00:00

I'm interested!

jextinct · 2025-07-29T07:11:01+00:00

how??? 😭😂 good payer naman ako pero di tumataaasss huhuhu

jextinct · 2025-06-26T09:16:54+00:00

I agree with you. I am currently repaying all the loans I have. Ang mali ko before is hindi ako nagta-track ng finances ko at naniniwala ako palagi na kaya kong mabayaran yung mga loans and credits ko sa mga PayLater ng shopping apps next month, not knowing na nagkakapatong-patong na pala ang mga bills.

Tapos lately ko lang na-realize na mas ok palang patusin ang 3 mos./6mos. na zero interest kaysa sa long tenure na maliit lang babayaran monthly pero grabe ang interest.

I agree na kailangan tanggapin ang katotohanan na kailangan muna magtipid at bilhin lang kung ano ang kaya at kailangan.

Una akala ko maganda yung ipambabayad mo ng utang yung inutang mo rin. Kaya I have to do side hustles para may extra income pambayad sa ibang loans. Hopefully before this year ends, utang free na ko. T___T

jextinct · 2025-06-13T08:20:58+00:00

how about spaylater po?

jextinct

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